davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (PA)

In accordance with the fair credit reporting act XXXX 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 in account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have made several attempts to reach out to Experian about my disputes and they keep stating they check with the vendor and they assured them it was mine. I have also reached out to the debt collections agency directly requesting validation docs and they can't provide me with anything verifying the account belongs to me. Makes me wonder how does Experian actually do there validations. I have also sent a direct letter from a debt collection stating they would remove it from my account because it actually shouldn't have been there and i sent the letter to Experian stating this and they choose to keep reporting the derogatory information eve thought its 's not mine. This is really hurting me with my purchase of a home and its really disturbing knowing you put your trust in the credit bureau and hope they are reporting correctly. Furthermore when I take the extra step to see if the collection agency can provide me with validation of the account and they can't then why are they able to put negative inaccurate information on my report? I have reached out to XXXX XXXX XXXX and all they offered me was payment plans why would i want a payment plan on a debt you can't validate. Procollect the same thing instead of validating the debt they just asked me to pay and I ask them for information bearing my signature and when did we do business and they hung up on me. XXXX XXXX XXXX states to be a representative for XXXX and I'm currently a customer of progressive they said they would look into it and I never heard back or received anything in the mail. The final Collection company XXXX they put the invalid information on my report I called them for verification they said it was from XXXX  at an address I never live at and they also sent a letter that they would dispute the account. The same letter was sent to Experian and they refuse to remove the inaccurate information. All of these companies failed to send me validation so, but Experian claims the accounts are indeed mines. I requested method of validation from Experian based on me knowing these accounts are not mine and they have yet to respond my disputes return as item remains. I have really run out of options the collection agencies are not responsive, but seem to be responding to Experian I'm the consumer in the middle requesting the information yet receiving none.
Consumer complaint received 2022-08-20
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: First Credit Services Inc. (FL)

Let it be known that I XXXX XXXX am acting on my own behalf. On XX/XX/XXXX, I XXXX Accounts Receivable Technologies illegally reported a negative collection account on my consumer reports in the amount of {$2800.00}. I have never willingly entered into a contractual agreement, spoken to, or done any business whatsoever with Accounts Receivable Technologies. 

On XX/XX/XXXX the CFPB 's new debt collection rule became effective stating that The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. Accounts Receivable Technologies disrupted my workday with phone calls as well as advised me that the collections will be negatively reported to my consumer report if not paid in full within their timeframe.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-29
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-01
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. (CO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-02-24
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. (NY)

Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I was released from XXXX XXXX on XX/XX/XXXX. I was originally placed into XXXX XX/XX/XXXX -- So I was physically not able to leave any XXXX XXXX during that time. 
Upon release I checked my credit reports and saw that multiple credit card / store cards had been opened. I also saw these two medical complaints as well and disputed them at the same time. 
Companies like XXXX, XXXX, XXXX XXXX all did investigations with the documentation from my XXXX XXXX  and they resulted in removal from my credit history/report. 
The only two remaining debt collection accounts that I COULD NOT HAVE OPENED BEING XXXX, are being held by a company called XXXX XXXX XXXX our of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The company is always threatening, verbally and literally aggressive during calls to inform them post-disputes that they have something incorrect. I have been trying to resolve this because of two reasons ; 1. I was in FEDERAL XXXX XXXX 2. IF SOMEONE HAD USED MY NAME WHILE I WAS IN XXXX THEN WHY SHOULD I BE RESPONSIBLE FOR THE DEBT? ANY MEDICAL DEBTS WHILE IN XXXX ARE COVERED BY THE BUREAU OF XXXX OWN MEDICAL SERVICE TRIAGE EACH XXXX LOCATION HAS. 

I tried at least 5 times to calmy speak with this company, I have disputed at least 8 times on the 3 different bureaus and this collection agency always comes back with the answer of, " Verified as accurate ''. 
But I could not have left XXXX, I was sentenced for XXXX XXXX and they do not give furloughs to XXXX XXXX even though my charge was XXXX XXXX  with a note. Because XXXX  is XXXX  I under federal guidelines can not leave the XXXX and could not leave the XXXX in XXXX, PA United States XXXX XXXX. 

Today is XX/XX/XXXX I have lost count of exact attempts at disputes with a actual Federal letterhead stating that I was in XXXX  during that time. This is what resolved all of the other opened while in XXXX. This company seems to be aggressive, and not cooperative at all when I try to inform them that its impossible for me to have made these. I have documentation proving my XXXX. Thats all I need to show that I could not go for a drive from PA to IL and open these accounts for whatever medical issues they are for.
Consumer complaint received 2022-08-20
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. (NJ)

First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Transunon and XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
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 XXXXXXXX
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on XXXX
Consumer complaint received 2022-07-15
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. (MI)

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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is not allowing me to log into their " free website '' to check my scores and make necessary disputes. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I need access to my information without being forced to pay for something when it is free. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it. 

my score dropped XXXX pts for no reason
Consumer complaint received 2022-07-29
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$15000.00XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-24
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts are continuously reported with different name variations and same account number and yet never shown in dispute status. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2021-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

On XX/XX/2021 Carrington Mortgage representatives provided information that my XXXX XXXX mortgage only qualified for a 12 month forbearance but the policy indicates that I qualify for a maximum of 18 months. I verified this information by contacting XXXX XXXX. Carrington XXXX  has consistently provided me with incorrect information regarding COVID forbearance and modification leading me to make uniformed decisions like starting repayment prior to being able to. They are misleading many of their customers into foreclosure.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called Carrington Mortgage several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with Carrington Mortgage and their reporting has halted my chances of that of happening, I need this information corrected immediately.
Consumer complaint received 2021-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

This is my second formal CFPB complaint to Wells Fargo. My original, CFPB No. XXXX, regarding the company 's mishandling of my deceased grandma 's ( XXXXXXXX XXXX XXXXXXXX XXXX ) two IRAs resulted in me receiving the attached email from XXXX XXXX, Exec Office Case Specialist, sending an email to me addressed to my deceased grandma. How cruel and unprofessional!! Over a week ago, I called the phone number for XXXX XXXX and left a message pointing out this error and requesting a call back from his manager due to this insensitive email. However, to date, I have received no call back. I am not understanding why his voicemail specifically says that you will receive a call back within 24 hours ; however, this handler and his manager does not return calls. I would like a phone call back from this handler 's manager within 24 hours or I will be filing a complaint with the NC Attorney General 's department.

I would appreciate it if your company would also attend to my mom 's issue, as your company has informed numerous people ( my mom, my grandma 's executrix, and a manager of XXXX XXXX  ) that she is a beneficiary of one of my grandma 's IRAs. However, your company will not release the funds. She has sent the paperwork twice. This is not fair to do to my mom, who has a terminal illness, and has XXXX XXXX XXXX!