davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX 4 XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.
Consumer complaint received 2021-12-03
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. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans Union Credit report XXXX dated XX/XX/XXXX, Consumer Statement have incorrect information about a landlord tenant dispute dated on about XXXX. The landlord reported un unpaid rent and was aware the dispute originated for failure to provide laundry facilities and cable television. The landlord dispute is not longer valid after 7 years, consequently, under Consumer Statement ( Note : This statement has no expiration date ) is incorrect.
Consumer complaint received 2020-12-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding Has place a collection for XXXX on my credit file and they have no contract signed by me. I have never heard of this company and if they bought it from the dark web all contracts had been cancelled with creditors. I have not opened any counts I have been out of work since XX/XX/2020 due to COVID 19 and underlying medical conditions. Do the the FCRA they are violating my rights and placing adverse Information and amounts on my credit when the president signed into effect that a creditor could not ruin your credit.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

We are processing a VA loan for a new home through XXXX XXXX XXXX. My rep checked our credit score on XX/XX/2019 looking for the best rating and the best interest rate for our loan. Last XX/XX/XXXX got an email from XXXX giving me a " free '' look at my credit score. After giving them my information, CC, DOB, SS, etc. they charged my CC almost {$60.00} to give me my report. I contacted them on the following Monday and asked the rep to remove the charges from my CC. He refused and hung up on me. Two days later I get an email from a Creditor : XXXX telling me that my credit score is over a hundred points lower that the other bureaus. They reported this to Experian and they dropped my score over a hundred points lower. My complaint is to XXXX and XXXX. I have attached the reports that was sent from a loan application that I do not know where is came from. XXXX rep hung up the phone when I asked where they got their information. 

My credit score was XXXX before XXXX sent this out to Experian.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached and my dispute letter with my ID
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRYS XXXX XXXX XXXX XXXX XXXX  IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and XXXX is furnishing illegal late payments XXXX XXXX XX/XX/year> & XX/XX/year> from XXXX XXXX XXXX  account XXXX. 

Late payments are excluded from Consumer Files on open end Consumer accounts
Consumer complaint received 2021-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2021-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (OH)

On XX/XX/21 I submitted a Power of Attorney to Mariner Finance with regard to a customer of theirs with regard to trying resolve or restructure a loan to assist my client with repayment options or a possible settlement.On XX/XX/21 I called Mariner Financial to speak with the manager and was told the she ( XXXX ) was not available.I left a message for a return call.On XX/XX/21 I placed another call to Mariner Financial to speak with the manager and was told once again that she was not available so I left another message for a return call.I called several more time the dates are as follows ( XXXX and again on XX/XX/21 & XXXX.I called on XX/XX/21 because my client received two phone calls and a voicemail from Mariner Financial acknowledging that they have my POA on file but requested that she gives them a call anyway.The last two calls were on XXXX at XXXX and XXXX.After learning of these calls I called Mariner Financial on XX/XX/21 spoke with XXXX and advised him the they are violating that I was the POA for his customer MsXXXX.XXXX  and that they are in violation of FDCPA in contacting her.He said that per company policy that unless they receive a Cease & Desist they will continue to call her.I tried to explain FDCPA he refused to listen.I asked for his legal department he said to look it up then hung up.On XXXX/I called the corporate office to speak to someone with regard to the violations and was told to contact the branch.I explained the situation to XXXX at corporate she agreed that the branch should the contact my client but could no offer me a contact to the legal department and that I should call the branch. I asked if she was refusing to the give me contact information to the legal department and she said that she couldn't help me with that information.I called the branch back to speak with the manager to resolve the violations and was refused.I explained to XXXX that we will seek punitive damages against the company and I was told to do what we need to do. 
The address for Mariner Financial is XXXX XXXX XXXX.XXXX  Oh.XXXX
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2023-04-09
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. (TN)

I disputed all three bureaus no change, I have no knowledge of this inquires if you could help me i would appreciate it so much I'm XXXX and a veteran thank you the accounts are listed XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this accts are hard inquries and i have no knowledge or gave no permission. I disputed XX/XX/XXXX  XX/XX/XXXX  no changes on my report XXXX  equifax XXXX  thank you XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX  ), XX/XX/2019 ( XXXX ), XX/XX/2019 ( XXXX  ) Obtained from all three.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXX. Unknown ( I have not knowledge of these accts I have request Validation over 60 days I have not received anything from the companies. 
Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXXXXXX XXXX-Account number XXXX Paid, Closed. {$690.00} written off. ( XXXX ) Account name : XXXX-Account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As to so many times previously, My name is XXXX XXXX XXXX and my husband XXXX XXXX. We had placed a total of 10 complaints related to Select Portfolio Servicing and their deceptive practices, but your department only send the complaint and wait for the complaint to be answer. But here we go again. I submitted a loan modification to SPS multiple times. The latest modification of mortgage that I received was in the amount of {$4500.00}, a larger amount than the one I received before, the interest rate at 7.475 % adjustable rate the same terms I had before with the same principal balance of {$530000.00}. This are the receptive practices from SPS. 
First I had been given five years off my debt due to Statutes of Limitations ( see final summary judgement interest rate from XX/XX/XXXX to XX/XX/XXXX that make us only 70 payments past due not 125 past due payments as they keep stating that is due. 
I contacted and submitted a complaint also to the Federal Trade Commission, Florida Office of the Financial Regulations for providing servicing in Florida without a license and third open a law suit related to the present charges and not giving us credit for the 5 years deduction. No one is to big to fail. Thank you for your communication service.
Consumer complaint received 2021-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (VA)

I received said loan in " XXXX '' I agreed on a set payment of " {$170.00} '' per month, I've been paying this amount for " 15-months ''  consecutively, the loan was " {$4000.00} '' my remaining balance as of " XX/XX/2020 '' is " {$3400.00} '' my issue involves the application of " Interest and Principal '', is this " legal/fare/or right ''. 

The company is " ONE MAIN FINANCIAL '' in " XXXX, VA. 

I thank you for your Time, Effort And Help.
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have had Sallie Mae, the NAVIANT student loans for a longtime. I have been steered in may directions, I originally borrowed {>= $1,000,000} for my schooling which has now grown into a balance of {$400000.00}. First, I believe they have miscalculated the amounts I owe, which includes misguiding me so that options were not discussed and/or any possible ramifications, secondly, no one ever explained anything about deferments, any other options to me thought my loans which I have been paying for nearly 20 years, they do not have any answers for me, when I ask them, please help.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information was stolen and illegally obtained and distributed because of the XXXX data breach. XXXX has removed XXXX XXXX XXXX from my consumer credit report and my credit report but Trans Union is still reporting XXXX XXXX XXXX as a collection on my credit report. I have reached out to Trans Union and explained this issue but they have not responded. This XXXX XXXX XXXX XXXX being reported by Trans Union on my Credit Report and XXXX Credit report is causing serious problems for me concerning the ability to obtain credit.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TX)

I connected with XXXX XXXX to assist with student loan payments, but have received an FTC notice and instructions on how to fill a complaint about their unfair and deceptive practices. I have since canceled the subscription to XXXX XXXX. I don't know where to proceed from here.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Consumer complaint received 2022-05-02
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)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX xxxxxxxx XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-19
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. (NY)

Experian is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plusXXXX XXXX XXXX  and XXXX law should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and XXXX.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

Vehicle was repossessed after paying for 4 years amount owed on contract to Santander it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Porania, LLC (FL)

Hey, so there is a Bankruptcy reporting on my credit report that should not be on there and reporting fraudulent. Its been 30 days and I never got any feed back on it and by law if there is no response you have to remove the debt.
Consumer complaint received 2019-08-23
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a cable bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.