davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (AL)

My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXX, Al XXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX XXXX XXXX and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help XXXX to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm retired. This should be unlawful that someone can open or change an account with showing proper identification.
Consumer complaint received 2021-08-18
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. (PA)

XXXX has violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 please remove this inaccurate information from my report immediately. 

XXXX XXXX
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (OH)

We are refinancing our loan and the bank that owns our loan, TCF Bank, is out of compliance. Paperwork was submitted for a payoff amount on XX/XX/14 and as of XXXX they still have not responded with the requested information so we were not able to close on our refinancing loan in XXXX which was the agreement. 

TCF 's incompetence has been shocking. They recently asked if my loan is a VA loan. It is not, and it is crazy that the bank that owns my loan had to ask me that question. They clearly have no clue what they are doing.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (TX)

Lonestar Title Loans forged a signature on a second loan to void out my sell of the vehicle. They only said they would buyout his loan at XXXX  XXXX XXXX not put the car back in my name. I thought it was strange they had me signing paperwork. Then they continued to harass me after telling them the car was totaled and sending proof, and talking to regional dmv office receiving proof of forgery. To this day they are texting and leaving voice-mails with personal and threatening information not knowing who's phone they are actually calling. This all occurred between XX/XX/2019 to present.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

LexisNexis as of XX/XX/XXXX states that they verified Judgment & liens and the amounts are accurate. the documents I have from the State Lien are not correct nor is the amounts correct as showed on file. Lexis Nexis also does not report accurate information and I disputed the amounts 2 years ago and those was put into dispute and as of XXXX County has incorrect information showing and I hired an attorney to pursue the issue to the matter. 
The information that is on record is wrong. Lexis Nexis has and can not provide my information by law with my full social security number my full date of birth and full address as well as my full names attach with all this on public file. There was a law passed in XX/XX/XXXX that clearly states if all the full information is not on file for Liens, Lexis Nexis needs to Delete/Remove all information pertaining to Liens & judgements on file. Lexis Nexis also needs to provide full information on file with full social security date of birth etc in full not partial information to be valid or legal
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AE)

I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

First, I already have a complaint about Citizens One filed through CFPB. The complaint ID is XXXX. I have another complaint about this company. In the original repossession situation, Citizens One told me it would cost {$4900.00} to make my loan current so i could get my vehicle back. This amount accounted for my XXXX auto loan payment of {$1000.00} not posting in their system yet. This was the first week of XXXX and I had already confirmed with my bank that my {$1000.00} payment cleared my checking account already. Fast forward to XX/XX/XXXX, I paid {$3900.00} to make my account current and was able to get my vehicle back. I only paid {$3900.00} because the XXXX payment posted. I then set up auto payment with the company in an effort to prevent a future situation like this in the future. When I auto payment, I was told it wouldnt take effect for 30 days, and I received a letter stating the first auto payment would be XX/XX/XXXX. Because of this, I paid my XXXX payment over the phone on XX/XX/XXXX. I paid {$1000.00}, and my actual note is only {$930.00}. Today, XX/XX/XXXX, Citizens One took {$970.00} ( note plus a late fee ) through auto payment. 

My loan should have been current. I would not have been able to get my vehicle back if it wasnt. This was XXXX. I then paid my XXXX payment which would keep it current. Yet, this company took money from me through there auto pay program a month before they were supposed to. 

I have attached documents. One document dated XX/XX/XXXX says I owed {$5300.00}. This was never the number. The highest it was was roughly {$4900.00}, but I do not have the document stating this amount. I was sent a document by request though, and I believe it was dated XX/XX/XXXX. This XX/XX/XXXX document would have been 3 days before I actually paid what was needed to make the loan current. I paid {$3900.00} over the phone with the repossession service manager. This was the required amount according to her. 

The second document stated the first auto payment would be drafted XX/XX/XXXX and then on he 5th of every month. Yet, they already took a payment when I already payed XXXX payment in the first place. 

I have also include screenshots of my bank statements. 

I feel this company is doing everything they can to put my loan in a default status again so they can repossess it again and double their money at auction.
Consumer complaint received 2019-11-12
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. (MI)

I am a victim of identity theft and have been disputing fraudulent accounts and inquiries for the last couple of years and current year. I have sent in a police report as well as a federal trade commission report that was asked of me. Just recently I was told that if I sent in the federal trade commission report that the items would be removed and blocked. I did what I was asked to do and yet the information is still yet not being removed as I was told. Every time I contact this company I am getting told different things and getting the runaround so I decide to record the conversations so that I have proof of what I am being told by the representatives. When I told them that I was recording the conversations a couple of times, they got really upset and I got hung up on which was very rude. So when I called by I was told that the information was not good enough and to dispute it again!!!!!!! RIDICULOUS
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was trying to buy a pet online, and I realize I got into a scam by the supposed breeder. I checked online and several persons reported the same issue using the same process of scamming people ( cheap pets, fast delivery and security deposit ). Their website utilize the same pictures as other 4 websites, and the " owner '' picture appears in other several websites, same for the phone number. I tried to contact PayPal to cancel the transaction because of scam but they declined my appeal. 

WebsitXXXX XXXX XXXX XXXX Websites with the same picture of the " owner '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't have a physical address, they live in " XXXX, Florida '' that doesn't exist .
Consumer complaint received 2022-07-20
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. (AL)

My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXX, Al XXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX XXXX XXXX and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help XXXX to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm retired. This should be unlawful that someone can open or change an account with showing proper identification.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (UT)

Aldous and Associates is trying to collect on XXXX XXXX membership fees for me, my wife, and my daughter. We have never even stepped foot into a XXXX  XXXX  and have no agreement with them. We dont even live close to a XXXX XXXX. I have disputed the debt with no response and continued collection efforts with threats of negative credit bureau reporting ...
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I just spoke to a rep with Great Lakes and even a manager XXXX on XXXX XXXX XXXX ( they said they got my payments and in adm forebears til XXXX ) ). I called to get status of My loans to make sure they were under cares act until XXXX to get verbal confirmation they were reporting it correctly As well as to get date so I would be prepared. I was told my loans were under cares act Another reason I called was because I spoke to XXXX XXXX Ombudsman with dept of Ed ( earlier XXXX ) and she said aGreatlakes and nelnet were reporting I had not paid anything XXXX. Plus I has received a letter after I made 4 payments through XXXX from Great Lakes saying that they only received XXXX payment! This was before they sent me a detailed list with payments i made, a late XXXX for interest and I paid an extra payment they were collecting and I didnt have to pay! I have never experienced a company like this!!!! It seems like they are trying to take from people anyway! Mess up credit and loan status they manipulate to their advantage.both Nelnet and Great Lakes ..they change status to deferred or forebearance prior to coronavirus vs repayment in order to run them out!!!! this letter says I agreed to resume payments in XXXX but I didnt I wasnt working during the summer! Seem like bullies they both sent conflicting letters throughout my time! Its bad enough nelnet came in picture XXXX because Great Lakes gave the loans I disputed several times and they seem to mix up loan information/conversation between the three companies and in phone the seem to say wrong thing then correct it!! I realize all of this is being recorded they have!! If it wasnt for the illegal entries in my apt , Forged docs and stolen signed green return card ( deleted out of mailing system found receipt and I saw green certified card signed by XXXX something day before made police report I organized them ) XXXX pension with XXXX may be stolen and a weird XX/XX/XXXX Ascension ( Great lakes company- I didnt know who they were especially based on weird letter.nothing attached.. I was updated in payments on loans and they send a letter ... I thought it was a bogus debt collectors ) regardless something is so off with all three companies1.Big picture if i didnt see all this ... I wouldnt believe they were trying to steal from government and consumer!!! Great Lakes keeps changing my phone number and both companies said they dont do hyphens very odd but I think they are changing my name because they wont pull names together ... there is a dispute regarding a fake XXXX promissory note in name XXXX and my signature was crooked on bottom!!! Copies of certified disappeared- with hacking this can be updated to paid because I saw documents credit reporting and much conflicting info in various sources?? Looked like a setup ... .technology is more advanced than people know to- easy to steal our money ....
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF EDCUATION/XXXX  XXXX never late DEPT OF EDCUATION/XXXX  XXXX never late XXXX   XXXX  XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (TX)

On XXXX, I originally asked for this account to be removed for multiple inaccuracies & FCRA violations. The pay history section was incorrect showed additional months late AFTER the close date of XXXX. I was charged additional late fees AFTER the account was closed. The were no payments recorded for XX/XX/XXXX through XX/XX/XXXX ( which were all on-time payments ). The Date Closed of XXXX is missing. The balance of {$540.00} is incorrect. **Instead, ALL payment history for this account was completely eliminated, now showing No Data Available for XXXX and most of XXXX. *Undisclosed payment history is not accurate and complete credit reporting. Yet another FCRA violation. My report now says Account previously in dispute now resolved by data furnisher. This is incorrect. My dispute was not resolved at all. It was actually made worse with additional inaccuracies. The Delinquency First Reported date now says XXXX, when it previously said Delinquency First Reported XXXX. 
**It is inaccurate and unfair to update the First Reported date to XXXX, thereby causing it to show as a recently reported debt, when in fact it was First Reported in XXXX. ( the first actual delinquent payment was XX/XX/XXXX ).
Consumer complaint received 2020-10-27
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)

XXXX violating their covid 19 assistances XXXX that they extended. Their reps miscommunciated massively without having the authority to do so. 

I have been a customer for nearly a decade never one issue. Exhausted every attempt to rectify with lender. Never once have I been late one month I was advised no payment due at all XXXX  XXXX XXXX XXXX {$7.00} which I did o even called to confirm. 

None of the dates or times that they provide match the actual time stamps or dates on my end some of which easy to discredit as they were emailed to me
Consumer complaint received 2022-07-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (NV)

I sent in dispute letters XX/XX/XXXX and then sent a 30 day demand to comply letter and still havent got anything back. I sent to all 3 credit Bureaus
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (IL)

RMP services keeps calling me from an auto dial with a recorded message asking me to call them. With fraud I told them stop calling me and to send me a bill though the mail. They state they will not send me anything through the mail and Im only allowed to call the number the voicemail provides. I have said calling me multiple times a day is harassing me and they dont care. Ive told them twice to stop calling and I have yet to be taken off the list for these robot auto calls.