davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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. (NC)

XXXX Account XXXXnfo Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on XXXX I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of Metro 2 and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian credit reporting
Is INTENTIONALLY WITHOUT
ANY LEGITIMATE DISPUTES
AND AT RANDOM LOWERING
MY CREDIT XXXX SCORES BETWEEN 23 TO 40 POINTS
EVERY MONTH BECAUSE I TOLD THEIR CORPORATE HEADQUARTERS TO XXXX XXXX XXXX AND TOLD THE
CEO OFFICE SECRETARY THAT EXPERIAN CREDIT REPORTING AGENCIES ARE
AT RANDOM LOWERING EXPERIAN FICO SCORES FOR
NO APPEARANT REASON WHILE MY XXXX  AND XXXX  FICO SCORES ARE AT XXXX  AND XXXX XXXX SCORES AND LAST WEEK MY EXPERIAN FICO SCORES WERE IN HIGH XXXX
TO LOW XXXX AND EXPERIAN 
DOES THIS BETWEEN XXXX TIMES A YEAR BY AT RANDOM JUST LOWERS INDIVIDUALS EXPERIAN CUSTOMERS XXXX SCORES AND THE CUSTOMERS XXXX
SCORES ARE GOING UP WITH
XXXX  AND XXXX  BY OVER 25 TO 40 POINTS!* WHAT IS AND WHY IS EXPERIAN CREDIT REPORTING AGENCIES DOING THIS AT RANDOM WITH NO LEGITIMATE REASONS OTHER
THEN TRYING TO MANIPULATE AN INDIVIDUALS XXXX SCORES BY
INTENTIONALLY LOWERING MY XXXX  SCORES BY EXPERIAN CREDIT REPORTING AGENCIES SERVICES WHILE MY XXXX SCORES WITH XXXX  AND XXXX  ARE GOING UP
XXXX  AT XXXX  AND XXXX  HIGH XXXX*
*WHY DOES EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATIONS ALLOWED TO
MAKE UP AT RANDOM REASONS FOR LOWERING AN INDIVIDUALS XXXX SCORE FOR NO REASONS AT ALL!!*
*PLEASE INVESTIGATE EXPERIAN CREDIT REPORTING AGENCIES PRACTICES AT ONCE AND PLEASE ON MY BEHALF FILE
CRIMINAL COMPLAINTS AGAINST THEIR STAFF AND CORRUPT CORPORATE EXECUTIVES FOR INTENTIONALLY MANIPULATING MY XXXX SCORES AND FOR FALSELY 
REPORTING MY GOOD FAITH
ON TIME PAYMENTS WITH ALL MY CREDITORS AND CREDIT REPORTING AGENCIES AND PLEASE CHARGE THE CORRUPT EXPERIAN CORPORATE HEADQUARTERS EXECUTIVES 
WITH FEDERAL CRIMES AS
THEY FALSIFYING MY GOOD
CREDIT RATING!*I WANT THE
EXPERIAN CORRUPT CORPORATE EXECUTIVES TO
BE PROSECUTED FOR VIOLATIONS INTENTIONALLY 
VIOLATING MY PRIVACY AND
FORWARDING FALSE NEGATIVE CREDIT REPORTING INFORMATION TO
MY OTHER CREDITORS WITHOUT MY KNOWLEDGE OR CONSENT AND ALSO EXPERIAN CREDIT REPORTING AGENCIES SOLD
MY PERSONAL CREDIT AND
PERSONAL INFORMATION AND GAVE OUT MY SOCIAL SECURITY NUMBER TO AN OVERSEAS EXPERIAN CREDIT REPORTING AGENCIES THAT FALSELY REPORTED MY GOOD
CREDIT CARD PAYMENTS HISTORY!*I WANT EXPERIAN CREDIT REPORTING AGENCIES CORRUPT CORPORATE EXECUTIVES PROSECUTED FOR FEDERAL CRIMES AGAINST ME!*
YOURS TRULY,
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
Consumer complaint received 2022-03-18
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)

Hi I am submitting this XXXX XXXX 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 Bum. 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Consumer complaint received 2022-03-18
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. (MA)

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I have never done any business with any company that goes by Fidelity Creditors Services or any affiliated company nor taken out any type of loan. The alleged debt they are charging me is over 9 years old and has been bought and resold many times over. Fidelity Creditors continues to charge me interest although they have failed time and time again to provide me or signed contract/s and/or evidence of loan/s or financial services they claim they have rendered to me Please help!!!
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a call this morning that I had a debt owed to Fifth Third Bank in the amount of {$940.00}. I closed my account in XXXX. Apparently my debit card was used for {$560.00} after the bank account was closed. I think someone committed fraud on my bank account as it was not me. Fast forward to today they called me at XXXX am and said I had till XXXX pm today to settle the debt or it would be escalated to the attorneys for civil litigation and restitution. I went to the bank and the manager said they had no record of me owing them anything. I called the collection company back and asked for proof and they would not provide any other than a letter stating I owed the debt. I was not provided any chance to dispute the debt. Also they stated the debt was turned over for collections in XXXX ( 6 years after I closed my account ) and was still within the statute of limitations as it was within 10 years of the write off. How can they come after me for supposed money I owe them 13 years after I closed my bank account? They stated if I wanted to dispute it I would need to hire an attorney and then I would be charged attorney fees on top of what I already owed them and they would be escalating it by the end if the day. The collection company was XXXX XXXX XXXX out of XXXX Delaware. I had never heard of the 13 year old debt before today and was given XXXX hours to decide if I wanted to pay it or would be taken to court. Is this fair? I feel like it is not. Please any help understanding this would help.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have notified Experian regarding accounts on my credit report that were a result of identity theft. I sent them a 605 identity theft letter accompanied by the 605 law and an FTC identity theft report. The federal law required them to block the account within four days but Experian is persisting that their policy is higher than the federal law that regulates them. I was told that their policy is the reason they are not removing the fraudulent account. The account is XXXX XXXX. After contacting XXXX  XXXX the company agreed that if the account is resulting from identity theft experian must remove it. The company agreed especially because both XXXX  and XXXX have already complied and removed the account. I am also going to include the united states postal service tracking number for the 605 letter and ftc report that was sent to experian. The tracking number is proof that it has been well over 4 days since Experian has received the notice and they are choosing to disregard the law. 
Tracking number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-07-19
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX XXXX Balance Owed : {$370.00}.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (IN)

An ex-boyfriend of mine in XXXX knew all of my information ( since, don, address ... etc ) he got a payday loan in XXXX, XXXX. and I being held accountable for his actions.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank you
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

I was approved for a trial modification. I made 2 payments. I made a XXXX payment with no problem. 
I called in to confirm they received it and I was advised it was there and has been applied as my first trial payment. My XXXX payment was returned. I called in this month to find out what happened and was placed on hold and the call ended. I called back numerous times and was never advised as to what happened. I asked for supervisors and I was advised either no one was available or that someone would call me back. 
I have a sale date. I need to know what happened with my trial plan so I can keep my home. The letter they sent back with my payment failed to explain what went wrong.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (WA)

There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf. 

The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am disputing some inaccurate information that reporting and harming my credit negatively. 
This company ( LAW OFFICES MBA ) has put a medical debt into collections against me illegally. 
Under 15U.S.C. 1681 sections 602A states : A. I have the right to privacy.

Under U.S.C. 1681 section 604A. section 2 states : A consumer reporting agency can not furnish an account without my written instructions. All these accounts and information these agencies is reporting is innaccurate and illegal.
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

For XX/XX/2021 Lexus Financial put my account to ( 30 days late ) status when I I contacted them asking to remove it ( via phone and mail ) and reason for it was that for that month I was in XXXX  because of XXXX I also attached proof of XXXX XXXX XXXX results and response to that they wrote me that they did investigation and everything was right and correct.On that auto loan I was a co signer and bills were going to primary account holders address that I no longer had contact with.