davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have an excellent payment history with my payment accounts, credit cards etc. It started last year that XXXX XXXX  said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and Synchrony bank closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.
Consumer complaint received 2022-09-17
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. (FL)

I have been disputing inaccurate information and inquiries on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the inaccurate information and inquiries claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the inaccurate information and inquiries immediately!
Consumer complaint received 2018-12-08
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: PRESTIGE FINANCIAL SERVICES INC (NC)

ON XX/XX/2018 I WENT INTO XXXX   XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
Consumer complaint received 2018-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXXO BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (HI)

On XX/XX/2020, I have sent my two dispute letters certified to 1. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX & 2. XXXX  XXXX XXXX XXXX same address : XXXX XXXX XXXX XXXX XXXX, NV XXXX both certified letters return its original envelope with the certified posted unsigned or stamp on it. I believe this case must be an inaccurate address on my XXXX XXXX Credit Report. I have XXXX the Address above and turn out to be AARGON COLLECTION AGENCY. This is a violation of FCRA.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$7300.00} debt from XXXX I cant say this more emphatically, I have never had a XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account.

I have one account with them. XXXX # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

Received phone call several months ago from a rude representative that argued and refused to let me talk. They gave me several addresses that I never lived at in an attempt to verify the debt. This debt was from a XXXX credit account. I settled the debt with the original creditor shortly before they purchased the debt from XXXX XXXX  I had no account number for their internal records so I emailed their compliance officer in XXXX and provided a copy of my bank statement showing where I paid XXXX  for this account and the settlement account. Not only did they proceed in attempting to collect, they placed this account as a collection on my credit. Numerous disputes with them and the credit bureaus have yielded no results.
Consumer complaint received 2018-12-08
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: Experian Information Solutions Inc. (NC)

XXXX  continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted XXXX  Credit Bureau by phone and mail. I was told by XXXX  that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX  representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Consumer complaint received 2021-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to Transunion and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
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Consumer complaint received 2021-01-29
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. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I was contacted by Amerisave about a refinance on my mortgage, i was told that i had to pay the appraisal fee before we could get started. I did we discussed the loan and i decided against using there service. The appraisal was never done. 
in an e-mail i was told that the money would be automatically returned because the appraisal was never done. After a couple of months i was told i would not receive the money back they were going to put it toward some application fee.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

On or around XX/XX/XXXX I started to receive harassing phone calls and letters from numerous credit card collection agencies about a dozen or more credit cards that were illegally opened in my name starting back in XXXX thru XXXX. I disputed all of them thru XXXX, XXXX, and XXXX and all but Discover Bank have investigated and confirmed that it was a true case of Identity Theft and removed them from my credit report. All except for Discover Bank. I continue to get hauled into court beginning in XXXX and the case continues to drag on and cause me medical issues. There is no stopping these people and they continue to harass me.
Consumer complaint received 2021-04-09
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. (FL)

XXXX XXXX  is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX will have to pay my lawyer fees and for the lie detector test result I present in court
Consumer complaint received 2021-01-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

FRIDAY AFTER XXXX  I WAS SENT A TEXT THAT CLAIMED TO BE XXXX EMPLOYEE BUT WAS A SCAM.AT THAT TIME I DID NOT GIVE HIM ANY WRITES TO MY BANK ACCOUNT HE MUST HAVE GOT IT THROW MALWARE TO GET IN TO MY ONLINE BANKING AND MANIPULTED MY BANK ACCOUNT MY THOUGHT AT NOW IS WHY RED FLAGS WEREN'T THROWN UP.MANIPULATING MY ACCOUNTS.AT THAT TIME HE SAD GO TO COMPUTER AND HE WOULD REFUND XXXX CHARGE BACK TO MY ACCOUNT HE HAD MY ACCOUNT PULLED UP IT SHOWED I HE HAD PUT XXXX DOLLARS IN SIDE OF XXXX REFUND.THE PROBLEM IS WHEN I CLICK ON THE TEXTMESSAGE HE HAD MY STOLE MY COMPUTER THRU MALWARE.THEN AFTER HE HAD MADE A XXXX MISTAKE HE DEMANDED HIS MONEY BACK HE CLAIM I HAD STOLEN HIS MONEY FROM FRAUDULANT MADE UP HACKER ACCOUNT.I FILL LIKE THE BANK SHOULD BARE SOME RESPONSIBLITY WHEN MY ACCOUNT IS BEING CHANGED FROM ACCOUNT TO ANOTHER.
Consumer complaint received 2021-10-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IL)

My Son applied for loans to enter XXXX XXXX in XXXX IL. In the process he signed up electronically while he was in High School, age XXXX. He is now almost XXXX!! Then, XXXX XXXX, approved him to go. The problem is, I was set up fraudulently to be a cosigner or owner of this loan. It is on my credit and they want me to pay. I believe my Son set up a cosigner/owner account and charged or incurred {$38000.00} in debt in one year at college. I did not even have proper income or give authorization for this debt. I filed a fraud report, and police report. Because XXXX XXXX was bought out by Navieat, they had no proof Because everything was signed electronically. I want to hire a lawyer but I don't know what to do. I saw an article that claims you are suing them already for these types of reasons. I haven't had a job in 7 years, never made payments. I tried through XXXX XXXX to file fraudulent accounts but it keeps being sent back. My Son, is XXXX years old, and has medical issues. He is still attending college at another college, in Illinois, and I have no idea how. I refuse to pay this bill ever. I owe less on my home, than I do on his 1 year at XXXX XXXX XXXX XXXX. Can you please help me?? I have all the copies of everything I tried to file years ago. This has caused me so much XXXX, I have to be on medication now, and my Son says he would try to help but doesn't know how to get it under his name. We don't even know how the charges got this high in 1 year!!! It should be or is illegal.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my Equifax, XXXX  and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( 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 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB :XX/XX/XXXX. I had to move do to job loss and never had a bill update.
Consumer complaint received 2021-05-03
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: National Credit Adjusters, LLC (FL)

To Whom It XXXX Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding National Credit Adjustment {$420.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you XXXX be liable for your willful non-compliance, as per FCRA XXXX ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. XXXX XXXX of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act