davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I placed a credit freeze on my credit with equifax after receiving a letter from equifax say my personal data had been breached this was XX/XX/2019. I then have tried to remove the freeze so I can sign-up for cell phone service with XXXX XXXX XXXX but can not get the freeze removed. When I try on-line they say " can not complete your request right now ''. When I call they tell me " the system is updating to call back in a 1/2 hour to an hour ''. I have called back and called back for 2 days and still get the same answer.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pacific Collections (CA)

XXXX XXXX XXXX XXXX gave me medication I was allergic to, which had me end up in their office that night and they claim to charge me {$71.00} for that expense. When they had told me that it was their fault and I wasnt going to be charged. This happened in 2017. It got reported to my credit today and it knocked down 40 points on my credit. This is completely uncalled for. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. Auto Credit Corporation (VA)

InXX/XX/2016,IwastoldbyacarlotownerthatIwasnotgoingtobethecosignerbutatemporaryco-signerforapproximately30dayswhichwould'vebeenaftermydaughterhadproducedapaycheckfromhernewjobbyXXXXXXXXofXXXX,VA.Theowner/carsalesmantoldushewouldtakemynameofftheloanandthecarwouldonlybeinhername.Theownersaidhewouldnotturntheaccountovertoacarfinancialagencyandkeeptheaccountasin-housefinancing.IaskedifIcouldgetthisinwritingandhestatedthatIcouldtrusthim.Whenmydaughtergothercheckandpresentedittohimhehadexcusesastowhyhecouldn'tputitinhernameonly.Duringthistimehedidn'tinformherthathetransferredtheaccounttoacarfinanceagency.Aftermorethantenattemptstoincludepopupvisitsatthecarlotandphonecallswewereunabletoreachtheowner/salesman.Approximately18monthslaterIreceivecallfromUSAutoCreditstatingthatmycarpaymentislate.IinformedthemIhadnoacknowledgedthatmyaccountwastransferredtothemandtoldthemwhatwasgoingon.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (NY)

I start a dispute un XXXX XXXX about the 120 days late payment to chance that update or erase because i try Many times in the past to do my payments and the site never allowed me i have screenshoots of the emails that i send to them AND they never answer. And i need that Fox. Thanks
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XX/XX/2019 I received an alert from Experian that my credit score had dropped 6 points without any explanation. I have had no negative activity in years. I looked at he report and it suddenly showed 2 negative marks - both from over 6 years ago but suddenly reported as current. XXXX XXXX and XXXX XXXXXXXX XXXX I disputed both corporation 's information on XXXX XX/XX/2019 I received a notice the disputes had been resolved. Nothing changed, but my credit score immediately dropped another 20 points! There had been no other intervening activity on my report. Consequently my score dropped 20 points simply because I disputed to claims. This is illegal. I called a second time to dispute this entire process. The customer care contacted XXXX XXXX and that was determined to by inaccurate information and was removed, but my credit score did not change! They lowered my score based on inaccurate information and when the information was corrected they failed to return the score to its previous state. The supervisor failed o address my question gave me nothing but bureaucratic circular reasoning and hung up the phone, She refused to provided her name. I spoke to her on XXXX/XXXX/209 at XXXX PM est. Experian is failing to report accuate information,. dropping my score without explanation or reason based on disputes which were in one case verified. They are preventing me for obtaining credit necessary for my livelihood. I intend to bring a court case against if this is not resolved.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I've attempted to eliminate my PMI. I've paid my balance down to 71.64 % of my original balance. I've never been late on a payment and have made payments for over 180 months. Ocwen Loan Servicing is trying to force me to pay {$450.00} for an appraisal in order to eliminate the monthly PMI.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/XXXX Please refer to my previous complaint # XXXX against XXXX XXXX. 
XXXX XXXX over charged me twice the value of the XXXX XXXX XXXX XXXX-12 year old car with high mileage. 
I want a refund. {$280.00} x 10 payments= {$2800.00} plus {$1600.00} down payment is {$4400.00}. I have paid and over paid for the car is not fully loaded and no full tank of gas. 
The car is only worth {$4300.00} for fully loaded on XX/XX/XXXX. 
I want a re-write of the car loan at a lower rate of interest.

Auto Dealer fraud. Unfair business practices. I have been robbed.

The car loan is invalid. 
I have not heard from the dealer. Dealer has not responded to the AZ Attorney General. 
Please read attached.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

American express business made an unauthorized hard inquiry on my personal credit report. Additionally, to add insult to injury they denied me credit based on fraudulent and libelous information by way of reports that have not been verified, validated, and/or are outdated. They also took access of my personal information and forward it to a third party company. Please instruct XXXXn to immediately removed all unverified reporting information and have Amex correct any and all decisions made based on those unlawful reports.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, XXXX/Synchrony Bank improperly installed defective alleged water-resistant laminate flooring in three rooms of my home. Immediately after installation I noticed raised areas on the newly installed flooring which were very noticeable and unacceptable. I notified XXXX immediately via their Chat feature on their website. At this point I re-thought the my initial observations of the raised and warped areas on the new flooring. I had applied blue painters tape on top of all areas which appeared to be non-congruent with the rest of the flooring ; ie : the raised areas. As the days and weeks passed, I observed the slightly raised areas increasing in size in all directions. I noticed the areas where the boards were butted up against each other were becoming more pronounced and noticeable. By XX/XX/XXXX the raised and warped areas of the flooring had grown to a stage that I could no longer dismiss them so I contacted XXXX and explained the situation to them. XXXX sent an inspector out to look at the flooring in my home on XX/XX/XXXX. I believe his name was XXXX. XXXX agreed with me that the flooring looked warped and damaged and improperly installed in some areas. XXXX told me that rectifying these problems can take up to a year or more. I contacted the finance company, Synchrony Bank and advised them that there was a large problem with the flooring. All of the flooring. I told them that there was no part of the flooring that was any longer acceptable and that I was not going to pay one more penny for the flooring until the matter was resolved. I also told them that I wanted to have the entire flooring removed from my home and all of my money returned to me. XXXX advised me that I would still be charged interested and be obligated to pay for any portion of the flooring that was not in dispute. I explained to XXXX that the ENTIRE floor was in dispute and that no further payment would be made on the account and that, in fact, I wanted any money that I had already paid for the flooring returned to me in full. On XX/XX/XXXX, I received a phone call from a debt collector, XXXX XXXX, regarding this account. XXXX from XXXX conveyed to me that Synchrony Bank had turned my account over to a debt collection agency, therefore damaging my credit. Additionally, XXXX began charging late fees and ongoing interest against my account without my knowledge or permission and against our verbal and written agreement once the problem was discovered. They continue to take collection measures against me
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I HAVE TRIED ON SEVERAL OCCASIONS TO GET THIS MATTER OF BANKRUPTCY RESOLVED WITH EXPERIAN CREDIT BUREAU AND CAN NOT GET THEM TO VALIDATE NOR VERIFY THE INFORMATION THEY HAVE ON THE BANKRUPTCY ON MY CREDIT REPORT AND ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY. ALL I WANT THEM TO DO DO IS SEND ME SOMETHING WITH MY SIGNATURE VALIDATING OR VERIFYING THAT THIS MY BANKRUPTCY, THEY WILL NOT, I HAVE SUBMITTED A COMPLAINT BEFORE DATE XX/XX/XXXX COMPLAINT NUMBER XXXX PLEASE USE THE ABOVE COMPLAINT DOCUMENTS IF NEED
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/year> which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXXXXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy.

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX XXXX  XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I accordance with the far credit reporting act XXXX  account XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed the inquiry with XXXX XXXX XXXX and TransUnion but they refused to removed it. the inquiry took place on XX/XX/2017.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.