davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. require the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9900.00}
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: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit monitoring reporting bureous transunion, XXXX, XXXX must be removed and replaced by new credit bureous that can protect the consumer rights and provide the true information as needed. transunion, XXXX, XXXX collect any reported information ( some of them are incorrect information ) and impact the credit scores. They can make the poor score to excellent score or they can make the excellent score to poor score without a true base. Within the current financial system this actions play a big role for a hourly working personal and can impact the Financial status. We have to immediately terminate transunion, XXXX, XXXX to stop them to violate human, financial and economic rights. 
We truly need a new modern bureous that can monitor and report the information based an reality, contracts, fairness, responsibilities.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NJ)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Hi, I am struggling very badly since I have lost my jobs in XX/XX/XXXX. But I never give up, I start driving XXXX, XXXX actively interviewing for jobs. But after a while rejection after rejection, I get mentally tired of it. 

I reached out to my Mortgage company RoundPoint Mortgage ( https : //www.rpmservicing.com ), and inform them of my hardship situation. They have adviced me to fill out a form and send them all of my earning statement, history struggling to be considered. After reviewing my case, one of the Agent called me and said to stop my mortgage payment from XX/XX/XXXX - XX/XX/XXXX. After that period the mortgage company will decide what I have to do. They also mention me to agree and sign a paper, so after 6 months, I have to pay back all the due payments including late fees and surcharge. 

I have tried to ask the agent how it will help me then. She said to get approved this is the only offer they can offer me now. 

So I didn't agree with that to sign. 

I have XXXXyrs old baby, and also we are expecting another in a few months. My wife was helping me on the mortgage, other bills, and home expenses. But on XXXX she also gets laid off from work because she is pregnant. 

We both were working hard and doing good in our career. Now with all the situation, I am straggling so hard. 

Please help with guidance, how can I save my home and lower my mortgage payments. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (TX)

Equifax is reporting a negative account ( # XXXX, {$7600.00}, XXXX XXXX XXXX XXXX ) on my Equifax credit file as a " Charge off, '' when in fact the account is a civil judgment ( see attached court document proving this account is a civil judgment ) that does not contain the proper identifying information. This account is being falsely and inaccurately reported as a charge off. This is a civil judgment and not a charge off. It does not contain my social security number, my address or my date of birth. I have disputed this account with Equifax several times and each time Equifax responds with a notice that the account was verified by Equifax. ( See attached response from Equifax, page 3 ) Equifax provided no documented proof that it should have requested and received from the creditor as a part of its investigation. Equifax has no documented proof that this account is not a civil judgment and it Equifax has not conducted a proper investigation of my disputes according to the law. This account is not being reported by the other two credit reporting agencies.
Consumer complaint received 2019-02-09
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: LEXISNEXIS (OH)

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX
Consumer complaint received 2019-02-09
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. (NY)

At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (GA)

Equifax has furnished inaccurate information on my credit report. I have not received the details of the investigative report with interviews from family and friends 15 USC 1681a ( e ). Information on my credit report must be 100 % accurate. Furnishing information that I have reported as inaccurate is willfully and knowingly doing so and violates FCRA requirements. Having inaccurate names and addresses puts me at risk for identity theft and financial harm. I did not give written consent to Equifax to furnish anything on my credit report 15 USC 1681 ( a ) ( 2 ). This is defaming me as my credit report represents my character.
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (HI)

Company sent me a letter dated XX/XX/19 - I received on XX/XX/19. On XX/XX/19 I disputed the debt and requested validation. 

The company blatantly broke the law by reporting the account on my credit report on XX/XX/19 without responding to the dispute or validation request. 

The broke the law numerous times because they reported before the 30 day period is up and they did not respond or validate the debt before reporting on my credit. 

This debt is not valid, it was settled with another debt collector.
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. (AL)

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 XXXX 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 XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MD)

I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are. 

XXXX Name : XXXX XXXX  Account XXXX Original company : XXXX Debt amount : XXXX XXXX Name : Southwest credit systems Account XXXX Original XXXX XXXX XXXX Debt XXXX
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 XXXX  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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Take NOTICE ... This is my final request to have these deleted 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX off my consumer reports and credit reports... .Each response in this portal will show your ignorance and negligence to the law as not one response addressed the complaint. Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days or i will file a federal law suit myself. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (NJ)

ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, EQUIFAX AND XXXX AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX/MODE Account # XXXX PO BOX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED
Consumer complaint received 2019-02-09
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. (NY)

At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue
Consumer complaint received 2022-08-28
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: HYUNDAI CAPITAL AMERICA (GA)

The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. XXXX, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with Hyundai. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that Hyundai reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with Hyundai from XXXX.
Consumer complaint received 2019-02-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I received a statement from Chase on XX/XX/19 regarding an Act ending XXXX Balance : {$5600.00} Creditor : JPMorgan Chase Bank, N.A. 

The letter states that Action Needed : Please pay your student loan balance in full. 
The letter is addressed in my previous married last name XXXX. 
It says they haven't received the balance owed on my student loan and that I have defaulted on my loan, and must pay the full balance. 
I have not received a statement from Chase in over 12 years. Chase sold my loan to XXXX ( also stated on their website, that all student loans were transferred to XXXX ). I have an active account with XXXX, that I have been paying on. 
Nowhere on any credit report does it show a Chase student loan. This is the first and only notice I have received from Chase.
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

My APR for my Apple Card with Goldman Sachs is presently 21.99 %, by far one of the highest interest rates of any credit card I have. With a good FICO credit score of between 760 - 790 depending on the credit agency, my other interests rates are in the 7.5 % - 16 % range. Further, I pay my bill on time and in full monthly. I consider Goldman Sach 's interest rate to be gouging. On several occasions I have spoken via text with Goldman Sachs customer service to ask that my APR be lowered. They have declined to do so, saying that my rate is based on my credit, even when my credit is good and enough to warrant the lowest interest rate offered on other cards. I feel that Goldman Sachs is taking advantage of their customers with this high rate and my rate should be lowered.
Consumer complaint received 2022-08-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, my husband and I tried a trial with XXXX XXXX for the weekend. The catch was that we were expected to do a meeting after the stay. The promise was that the meeting would be for an hour. When we went to fulfill our agreement, the agent kept us there for up to 2 hours. Repeated attempts were made by us to leave. Told the agent we were not interested. We could not physically leave because they had our IDs. The agent kept bringing people forward, disregarding all attempts to leave, showing videos, and promising we could trade our points with XXXX at any time to take a trip anywhere in the world. Under all the pressure and wanting to leave, we agreed. The signing process was quick. No mention was made of the fact that we had up to 7 days to back out of the contract nor that, as active military, we actually had up to 30 days. Immediately the next day, we wanted to get out of the contract, but due to operational commitments with the military, we went out to sea and missed all opportunities to do so. We kept making monthly payments until we could find a way to get out. We even tried actually using our benefits, to which XXXX XXXX  representatives state we had to request 5-7 months out even to get a reservation. We complied and still could not book a stay. They said if we upgraded our benefits we could get our stay for the time we wanted. I even tried contacting them to find a way to get out of the contract, but the person stated I would have to sell to a third party or keep paying. This was not the full truth. We tried finding timeshare exit programs, but all said to stop paying immediately. For fear of taking a hit on our credit, we did not pursue it and kept paying. Well, a part of the contract with XXXX XXXX requires the payment of maintenance fees every other year, apart from the monthly fees. When in the meeting, the agent stated that the only repercussion of not paying the fee was that you would not be able to use the benefits. So when the time came up this year, we thought, well, we can't use the benefits anyways because they kept denying us our rights. XXXXXXXX XXXX has been violating the XXXX of XXXX by overpromising with misrepresentations with the XXXX XXXX. We have paid thousands already and have not been able to use our benefits once. They sent us to debt collections for maintenance fees on a timeshare they have not allowed us to use even when the maintenance fees had been paid up. It is already hard being XXXX XXXX military and now having to deal with vultures like this company, causing more burden to my family. Putting us out of pocket every month paying on something we can not even use and now, to add insult to injury, hitting both our credits for fees on something we can not use. Any help in this matter would be greatly appreciated.