davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I inquired with the company about a debt on my credit report on XX/XX/2018. They responded to complaint with one set of papers trying to say the account for the rental property was mine, when at the time I lived in another state and was working a XXXX XXXX job for 18 years at the XXXX XXXX XXXX I was living in to show I also have proof that I did not get the rental. I asked the company to show me ID used they could not produce one. They have sent me 2 different sets of paperwork.
Consumer complaint received 2022-06-07
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-28
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. (NJ)

N accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX.The following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX XXXX XXXX XXXX  , XXXX, OH XXXX-XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( Transunion and XXXX ) The 3 offending credit inquiries only show on Transunion.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (UT)

UWM has incorrectly reported to the credit Bureau that I was 30 days late due to their mistake with my auto payment. It was set up originally and they over charged me then stopped debiting my account and every time I would set up the auto pay they would stop it. I notified them on several occasions. They also had the wrong mailing address. I have contacted them on several occasions about these errors but they have done nothing to correct. Now my credit is impacted. I have XXXX mortgages with them and this one does not get processed properly. They need to correct my credit and reverse the charges.
Consumer complaint received 2022-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX and XXXX sold a debt to XXXX XXXX  XXXX. My personal information was used to open an account with XXXX XXXX and XXXX. I informed them of this and the debt was removed. However, they sold my personal information to XXXX XXXX  XXXX conspiring with the initial identity theft.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (SC)

Conns XXXX XXXX is reporting incorrect late payment to all 3 credit agencies. I have always paid my payment before the 30 day mark. The payments were due on the XXXX of each month. My last payment I made on XX/XX/2022 paid the loan off. I have late fees left to pay from where conns charged me late fees from the payments not being paid by their due date. They are now reporting these fees as 30 days late on my credit report. Again, all my monthly payments were paid BEFORE the 30 day mark so I dont understand why they are not reporting late fees to the credit agencies. If I make another payment before XX/XX/2022 towards their late fees then how are they now reporting these fees on my credit? Please advise. I can also send a copy of my contract if need be. Thanks!
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-07
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am a victim of identity theft. I learned that my personal information was illegally used to open an auto loan. The perpetrator of this illegal act is currently in jail for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that you absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : - Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - Several payments were received from a debit card and ACH checking account in my name. 

The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was XXXX while I served in the military which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - No returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 a account without my written instructions XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX 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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXX
Consumer complaint received 2019-09-17
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)

XXXX, XXXX AND EQUIFAX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX which is Comedity Bank system has been down for for days and you cant sign into your account and they are not taking calls. Their XXXX says its a system update but you cant do anything on their website. If the system is down what does that have to do with them accepting calls? You cant make payments.
Consumer complaint received 2022-12-07
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: GOLDMAN SACHS BANK USA (MN)

In accordance with the fair credit act XXXX XXXX XXXX XXXXXXXX with Marcus by Goldman Sachs has violated my rights.

15 USC 1681 section 602 : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnishe an account without my written instructions. 

15 USC 1666 B : states a creditor may not treat a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

Please refer to # XXXX as this is the same problem. 
Unfortunately whoever answered the previous complaint did not sign or indicate a name on the letter to me so I am unable to address him/her. Although Gregory Funding has stated that they sent my tax payment to the XXXX XXXX  XXXX on XX/XX/2022 it has still not been received and credited by the XXXX XXXX XXXXXXXX. 14 weeks later my original tax payment of {$2300.00} generated fines and penalties resulting in the amount due to the XXXX XXXX XXXXXXXX as {$2500.00}. I have tried to get thru to Gregory Funding to obtain a copy of the cancelled check so that I can work with the XXXX XXXX XXXXXXXX to credit my tax obligation. It is impossible to get thru to customer service, therefore there is no customer service.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING SYNCHRONY BANK SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN XXXX.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX Navy Federal
Consumer complaint received 2019-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2019 amount of {$35.00} was paid to a said " XXXX XXXX '' on PayPal and I never authorized those payments. Someone else acted on my account and now I have been stolen from
Consumer complaint received 2022-06-07
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED 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 XXXXXXXX -XXXX  XXXX 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. ''
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

A week ago I was messaged by a man on XXXX  asking if I needed financial assistance. I said yes. This man then said and showed that he had a ton of money from an account. He sent a photo and the. Emailed me checks and I deposited them and to prove I was loyal I had to send him some back. These checks then bounced and I was left with XXXX because I had already spent and sent money thinking the checks were real.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (NY)

Collection agency XXXX XXXX XXXX reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called XXXX  - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in XXXX then. I have never lived in XXXX, I have been at my XXXX address since XXXX. I have had second houses in XXXX and XXXX, never XXXX. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen
Consumer complaint received 2021-08-19
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}
Consumer complaint received 2022-06-07
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. (OH)

Disputed numerous items with the credit reporting agencies that had incorrect information, accounts that don't belong to me, mixed report with someone else debt they continue to verify incorrect information.