davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (CA)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Duncan Solutions, lnc. (MD)

I have been receiving correspondence by mail from XXXX XXXX XXXX XXXX stating they are in demand for payment of {$360.00}. I think this is a scam because when I call to dispute the request they always ask me for personal information to identify me and do not provide my information over the phone and the person disconnects the phone call.
Consumer complaint received 2018-09-10
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. (MS)

was a victim of inquiries Transunion and XXXX said they can not help me I need to call or send each creditor letter to dispute.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2018-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (NH)

An online FFEL CONSOLIDATED LOAN was done online without my knowledge in XX/XX/XXXX ... .with a company known as CHASE. This online CONSOLIDATED a parent plus loan that I thought was paid off in XXXX ... .need computer location address contacted Chase..discovered company now called XXXX  ... still told loan sold to XXXX and no information on how this consolidation occurred online ... twice the interest rate and like I paid nothing..and I paid quite a bit..parent plus ... and badness..internal revenue OFFSETS and wage garnish..on a loan I did not INITIATE NOR HAVE ANY INFORMATION BESIDES THE OFFSETS AND GARNISHES AND WRECKING MY CREDIT ... PLEASE HELP
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX, Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

The problem is with EQUIFAX I was denied credit with XXXX XXXX by EQUIFAX and requested a free credit report and score and an explanation why. My original complaint # XXXX-XXXX dated XX/XX/XXXX. Their first response was a request for payment contrary to my being entitled to a free report. I objected to this request by initiating a complaint with the CFPB. EQUIFAX sent me another request for more personal information but no report, score or explanation again. A few days later, EQUIFAX finally sent me a history of all my credit transactions. ALL of them were shown to be paid in full AS AGREED, indicating a perfect record. But still no SCORE or EXPLANATION for the denial. Why is it so difficult to tell me???? Their last number, a confirmation # XXXX, dated XX/XX/XXXX 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I am writing this in an attempt to have a potentially devastating financial situation from happening. In XXXX of this year I contacted a Navient representative to discuss the financial hardship I have been facing and the impact that my adjusted loan payment would have on my family. I was assured by the representative in XXXX that, due to my financial hardship, if I resubmitted my information at studentloans.gov that they would lower my monthly payment amount to {$0.00}. 

I followed the representatives instructions and was told to wait to get confirmation of the new payment amount the following month. As I was checking my e-mail yesterday I received my payment information and was stunned to find that it was not {$0.00}, but in fact {$270.00} monthly. I made a phone call during a break at work to call to find out what had happened. The representative, while pleasant on the phone throughout the process, informed me that the representative that had guaranteed a $ 0 monthly payment due to my substantial financial hardship was wrong and that I would be expected to make a payment once my temporary forbearance period ended in XX/XX/2018. 

I have worked at non-profits and for both state and county governments over the last decade and it has done nothing to help my student loan situation despite being promised that it would. I was advised today by the Navient representative I spoke with to reconsolidate my loans with XXXX XXXX to try to get into their forgiveness program. Unfortunately, I am having a hard time trusting anything that a Navient employee has told me as it has caused a fair deal of grief. I was unaware of the possibility of income based repayment being low when I had lower monthly wages and because I was advised to use forbearance and deferments I am now left in a situation, where like many in the class action suit filed against Navient, I cant use those services when I need them most.
Consumer complaint received 2022-07-10
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2023-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some inaccurate information that is currently being reported on my credit report. Upon reviewing my credit report, I have identified several negative items that require immediate attention. 

Firstly, there is an account under the name of XXXXXXXX XXXX XXXX  with account number XXXX. However, I do not have any record or knowledge of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report as soon as possible. 

Secondly, there is an account under the name of XXXX with account number XXXX. I find this account 's name and number questionable, and I urge you to either clarify this information or delete this account from my credit report immediately. 

Thirdly, there is an account under the name of XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX. While other bureaus have not been able to verify this account, I am surprised that it is still present on my credit report. Therefore, I request that you delete this inaccurate account immediately from my credit report. 

Fourthly, there is an account under the name of XXXX XXXX with account number XXXX. Similar to the XXXX and XXXX accounts XXXX I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report. 

Lastly, there is an account under the name of XXXX with account number XXXX. As with the other accounts, I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report immediately. 

I request that you investigate these accounts and take the necessary actions to correct any inaccuracies in my credit report. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AR)

OCWEN LOAN SERVICING AND XXXX, XXXX & XXXX HAVE VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X 31 TIMES SINCE XX/XX/XXXX.
Consumer complaint received 2018-09-10
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: DISCOVER BANK (DC)

Please assist with misreporting by Discover Financial Services on my credit card account and misreporting on my credit bureau reports. Case involves ID theft after data breach by XXXX XXXX XXXX XXXX XXXX/contractor XXXX/XXXX, XXXX XXXX, MD. XXXX/XXXX admitted liability for misuse of my data and provided ID theft protection until summer XXXX. In XX/XX/XXXX XXXX XXXX XXXX, according to XXXX attorneys at XXXX : XXXX called stating they were representing me in administrative hearing related to XXXX XXXX data breach. I allowed XXXX to charge {$4500.00} to my Discover. By XXXX XXXX, I suspected XXXX/XXXX frauds, confirmed by XXXX in XX/XX/XXXX enclosed email, and wrote Discover to investigate the billing. See XXXX XXXX, XXXX letter enclosed. 

I was XXXX from government injuries and asked Discover for XXXX assistance. I called them and wrote multiple times using XX/XX/XXXX letter as I lacked access to computer, I was XXXX due to government service injuries and addicted to opioids which caused XXXX XXXX  and XXXX XXXX. See enclosed XXXX XXXX physician script for XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX letter on XXXX XXXX. During this time XXXX threatened me in multiple calls for money, including firms enclosed XX/XX/XXXX letter. I returned to Washington DC for medical care in XX/XX/XXXX. 

XXXX returned {$4500.00} to Discover in XX/XX/XXXX. Discover illegally assessed me penalties on the fraud charge of {$4500.00} amount to nearly {$1700.00}. Under federal consumer law, Discover is required to provide XXXX assistance to members and it may not assess penalties on fraud charges. I was without computer and sent the enclosed XX/XX/XXXX letter to Discovers mail unit. Discover must comply with federal XXXX and consumer laws. 

I seek protection from Discovers adverse credit reporting of penalties assessed me for fraud charges. I demand Discover prevent  Brown/Goodkin from continuing to use DFS to commit fraud. Please accommodate my federal service XXXX and help me obtain relief from Discover misreporting and from continued theft by XXXX. Please contact me if I can provide additional information. Thank you for your kind assistance. XXXX Bless America! 

Sincerely, XXXX XXXX XXXX Member Sons of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Government, Credit Card Companies
Consumer complaint received 2018-08-23
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)

I have A XXXX XXXX on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

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Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have A XXXX XXXX  on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be  inaccurate. 

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Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (WI)

I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company Professional Placement Services as a collection for {$50.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!
Consumer complaint received 2022-07-10
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. (GA)

I haven't sent 10 or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX  Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : XXXX
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting incorrectly a charged off account and a 30 days past due on XXXX - partial account number XXXX. ( Please see pages 23 and 24 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting these accounts correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

Contacted via phone to collect debt, never received a debt collection letter from XXXX  XXXX. Stated to Convergent that I never had a XXXX account, and suspect this was a XXXX account opened by someone else. XXXX debt is for {$160.00} from XXXX, do not know exact date because I was never provided a Debt Collection letter. This debt is over 14 years old and obviously exceeds the statute of limitations for debt collections. After stating to Convergent that this was not my debt, I received a letter stating they contacted XXXX and XXXX indicated that the Identity Theft claim on the account is not valid. I called Convergent on XX/XX/XXXX and explained that I did not incur this debt and that it is outside the statute of limitations and to cancel this debt, they stated they could not cancel and debt would remain open. I then called XXXX on XX/XX/XXXX and verified with XXXX that I DO NOT owe them any money. As stated to Convergent, I have never had a XXXX account and XXXX confirmed this information.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX XXXX XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX XXXX XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed
Consumer complaint received 2018-08-23
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: Exeter Finance, LLC. (CA)

Exter Fin pulled a hard inquiry on XX/XX/2017. I am unaware of the company and what they do. I did not give permission to pull my credit