davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (FL)

To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( Equifax, XXXX, and XXXX  XXXX. All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with Equifax and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, XXXX, and Equifax do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (MS)

Equifax will not remove fraudulent hard inquires on my credit report despite me disputing multiple times. I have mailed in the requested documents ( letter, ID, police report, FTC report ) on 4 separate occasions, including a fax. They continue to tell me they have not received my documents and that I need to mail them again. I have delivery confirmation and fax received confirmation. I have been given run around for months and have been lied to by multiple representatives of the company.
Consumer complaint received 2018-06-10
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. (MO)

After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),
Consumer complaint received 2020-09-21
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. (FL)

credit cards keep reducing my limit after I pay a significant amount so that I wont be near the balance and i end up getting reported multiple times for being near or less than {$50.00} over my limit with no phone call, email or notification whatsoever.
Consumer complaint received 2022-09-18
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2022-04-01
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. (PA)

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Consumer complaint received 2023-01-31
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-04-01
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. (PA)

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Consumer complaint received 2018-06-10
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. (WA)

I use a credit monitoring service, I was alerted yesterday XX/XX/XXXX, that a hard pull was run on my credit on XX/XX/XXXX through Equifax from a company called XXXX. After some research I found out this is XXXX. I have not applied for any credit cards or loans and did not give this company consent to run my credit. I have reached out to the company and still have not gotten a reply back. I have never had an account with this company so I do not have any access to know what amount was given or who has access to it.
Consumer complaint received 2020-06-04
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. (FL)

Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud
Consumer complaint received 2018-06-10
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: Focus Holding Company (GA)

I contacted : NAME : XXXX XXXX XXXX XXXX XXXX ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : www.focusrm.com on XX/XX/XXXX by email. I noticed that this company is reporting inaccurate information on my credit file. I attempted to contact them but with no success. I then filed a claim with the XXXX on XX/XX/XXXX. XXXX case number is : XXXX. I again received no response from this company. 

I am looking to seek damages in {$1000.00} per breach of FDCPA in addition to having this inaccurate, incorrect information removed from my credit file. 

Please assist.
Consumer complaint received 2020-09-21
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: ERC (GA)

XXXX XXXX is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
Consumer complaint received 2022-04-27
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. (AL)

I have filed several disputes with the XXXX  and experian about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted Experian and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.
Consumer complaint received 2022-04-27
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. (AL)

I have filed several disputes with the transunion and XXXX  about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and Transunion by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (WA)

I am home sick with XXXX, and haven't been to work. So, I received a phone call from XXXX XXXX  about my XXXX Credit Card. They told me, that my account is 90 days past due. I told the representive that I couldn't make a payment until XX/XX/22. I have not received my credit card statement in the mail, or via email. The last statement in email is from XXXX of XXXX. The representative told my whole balance was due of XXXX without an invoice, or a letter. 

I asked for a letter, and she refused saying that my entire account balance was due. I have not received my statements, and she kept stating yes I have, and that the letter is my statement. i know my right under the Fair Debt act. So, again i asked for a letter, and she said No. 

I did pay XXXX online today to hold my account, until i get to work, after having XXXX. 

I don't remember making a promise to pay by a certain date, which she stated as well. Knowing that I haven't felt well, I might've made the promise to pay.
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NM)

Never knew I could dispute debt until now that I was attempting to purchase a home. Also, I have been harassed and threatened that cops would be sent to my house. Family members have been called trying to revive payment and when Id attempt to get information. They were vague and rude. This negative report has been on my account longer then seven years and is affecting my home purchasing.
Consumer complaint received 2022-09-18
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CO)

XXXX XXXX XXXX XXXX sent a letter addressed to me. It says I owed on a PayPal account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022. 

This is NOT my PayPal account, nor did I have a purchase of this amount.
Consumer complaint received 2021-05-04
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: Atlanticus Services Corporation (MA)

I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I qualified for a modification due to Covid. My trial period was from XX/XX/2020 to XX/XX/2020. I had to pay XXXX per month for three months. The XXXX payment was made the end of XXXX. I was sent documents that needed to be signed and notarized. I took them to the notary and sent them back to the mortgage company. The notary did not verify our names correctly. The documents were not accepted so they sent me another set of the same documents to have done again. In the meantime, I was told by my case manager to hold off on my payments because the dates and amounts will change. The second set of documents were notarized and sent back before the deadline date. I waited until XXXX to send a combined payment of XXXX which would apply as the XXXX and XXXX payment. The mortgage company did not accept the payment and sent me a letter stating that they would be shredding my check. Since that time, I have called and insisted to talk to managers. I spoke with XXXX, XXXX and XXXX and they all promised that this was an error on the banks side and would be corrected and my account would be fixed. I have not heard back from any of the managers that promised me a call back and my loan still is not fixed. Please help.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current (NY)

I tried to rent a XXXX truck got there and decided to cancel the transaction so I was told everything was voided and my money would be refunded within 5 days but the prepaid card company ( current ) still has a pending hold on my card I spoke to several reps and I feel like the trying to scam me out of {$510.00} so now I'm contacting you guys. The transaction happened on XXXX XXXX and I still haven't got my money bk it's not the truck rental company it's the current ppl who's holding my money and for what
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (NM)

I keep getting called about debt its been seven years and debt is still being reported. As a result I am unable to purchase a home. Also I was contacted by IRS and was force to pay the IRS because the credit card debt was charged off and taxed as chargeable income.
Consumer complaint received 2021-05-04
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. (TX)

wrong info : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX see attachments
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I have been the victim of unresolved fraud - on XX/XX/XXXX there were 3 unauthorized charges made on my card from Chase. I noticed these charges at night and froze the card since this was my only option at that hour, as the fraud department is not open around the clock. Numerous additional charges were declined and notifications posted to my email after I managed to freeze further transactions on the card. I notified Chase at the earliest opportunity by telephone that 3 charges for {$45.00} to XXXX, {$38.00} to XXXX, and {$0.00} to XXXX were all fraudulent. I have no knowledge of how my card info was compromised. Upon reporting these charges and receiving credit pending investigation, I was satisfied that this situation had been solved, however Chase reversed one of the credits to my account and notified me on XX/XX/XXXX that I would have to pay for the {$45.00} charge as I had allegedly benefited from this transaction. I phoned Chase on XX/XX/XXXX and was told that a user in procession of an account utilizing a XXXX  email address had item ( s ) shipped and delivered to my town, something about gardening supplies. I assume this is what is intended when they say I benefited. Myself nor anybody that I am in contact with ever received any such items. I also do not use XXXX. After disclosing these details, the representative I spoke to became furtive with additional details and referred the case to higher review. I categorically insist that these charges were all fraudulent and unauthorized, and that I should not be held liable, in accordance with the cardholder agreement. All necessary information explaining the fraud was conveyed in the original contact and this should have been solved in the first interaction. Additionally, only as a minor grievance, Chase failed to ever reverse or offer credit for the third fraudulent charge of {$0.00} which I did verbally report as one of three total charges that were fraudulent.
Consumer complaint received 2021-11-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IN)

XXXX XXXX XXXX # XXXX was helping us with a cash out refinance and after we paid for the appraisal we decided to cancel and not move forward with the entire process. ( I attached the documentation when I let XXXX know twice and even called XXXX ) I never received a response from XXXX and because of that they went ahead and contingently approve the loan which means they were never told this loan was withdrawn at our discretion. XXXX never let anyone else in XXXX department know as they confirmed they were not aware. XXXX is breaking XXXX agreement with having an NMLS and not doing what the consumer wants and truthfully it seems XXXX proceeded with the loan to collect gains, as in maybe XXXX receives incentive kind of like XXXX XXXX. I am extremely disappointed and upset over this situation with XXXX and the company and XXXX needs to be watched as XXXX is not aware of how lending works and how important having an XXXX really is
Consumer complaint received 2021-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.
Consumer complaint received 2021-02-01
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. (TX)

XXXX XXXX XX/XX/XXXX, I request a valid Permissible Permission used to access my credit report on XX/XX/2017. XX/XX/XXXXand Experian need to validate permission.
Consumer complaint received 2022-04-27
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 fair credit reporting act has violated my rights. 

XXXX XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Lease Term Solutions Unverified Account 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions