davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: EQUIFAX, INC. (WY)

XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Consumer complaint received 2022-03-03
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. (CA)

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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)

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act 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 2022-01-13
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)

The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

On XXXX, I co-signed for a loan for my niece who is XXXX XXXX XXXX XXXX The next day I checked my credit score through credit journey saw my brother 's credit was now listed with my credit information. I contacted the XXXX dealership in GA who denies making the error. The Dealership reported the accounts were mixed when that ran my credit report with Experian on XXXX, but stated they used information from XXXX and process the loan. I contacted Experian on XXXX, and learned our information was mixed and my account was flagged so that would not happen again. I requested from several agents who mixed our information. I was not given that information as they kept saying they could see that information. I called back on XXXX, and requested to speak with a supervisor and spoke with XXXX who told me that someone would call me in XXXX hours. That never happened. I called Experian again on XXXX, and learned that now I could not get that information as the problem has been corrected. I explained that every time I called I requested this information. I was also in informed by the Supervisor XXXX, that I need to file a compliant with this office and should look up the information. XXXX wanted me to believe that XXXX of my brother 's creditors linked all our information all at one time on XXXX. I told her that sounded outlandish. I was told that now I could not learn that information because the problem was not fixed. Someone should not be allowed to have more access to my credit information or report incorrect information and not beheld accountable.
Consumer complaint received 2022-01-13
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: JPMORGAN CHASE & CO. (KY)

I have sent JPMCB multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Consumer complaint received 2022-01-13
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. (VA)

Im filing this complaint due to Equifaxs failure to comply with my re-investigation request, as required by law. They did not provide me with any of the investigation documents consumer laws affords me to receive. They also received a copy of my XXXX report which accurately reports these items and still have chosen to ignore the laws and report inaccurate information. All of the attached accounts are inaccurate, misleading and false reporting. It has been almost 90 days and I still have no resolution to this issue. At this point, I am demanding Equifax to cease & desist from reporting these accounts. I demand these items to be immediately removed from my report.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists XXXX XXXX  - Account # : XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NJ)

I'm a XXXX  who is trying to apply for a PSLF student loan forgiveness. I've worked over 15 years in my district. I have had several loan servicers over the course of my consolidated loans. The current one, Moleha, was assigned to me this XXXX. They only have record of me paying payments since XX/XX/XXXX. I've always paid my loans; never late or defaulted. Now, the problem is XXXX and XXXX, my previous servicers, never sent any of the previous payment info out to Mohela. I do have some billing statements from XXXX  proving payment over a period of roughly 2 years. I also have bank statements. None of this information is available to the new servicer and they won't accept it as proof. XXXX  is out of business and XXXX is saying there is nothing they can do. 

I qualify for this loan forgiveness. I've made payments over many years since the program started in XXXX. I was in the wrong payment plan and like many, didn't find this out until XXXX. The XXXX have a limited time waiver for people like me. But how can I prove and get credit for my payments when the XXXX don't know anything, the servicers are out of business to provide the proof and all I have is a few years worth of records. 

I keep getting the run around on this.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

So far i sent 3 dispute letters. XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all requested that this company KIMBALL TIREY & ST. JOHN validate an alleged debt that they say that i owe and they are reporting it as a valid debt to XXXX and XXXX but ignore me when i ask the to prove it. So it has been 120 days since my first letter and they have ignored me. They are violating my rights as a consumer knowingly. And i've recached out to the credit bureaus two and they also are ignoring my requests. I am a consumer asking for validation under the Fair Debt Collection Practices Act and this company reporting this alleged debt has failed to live up to their legal obligations. As a resort i am asking you guys to enforce my rights as a consmer because this is stressing me out and hurtig me from buying a home.
Consumer complaint received 2022-03-03
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-12
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information CenterRe : Notice of Dispute Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account because you are inaccurately reporting, This account was charged off on the following date XXXX. 
Since then, the account has repeatedly been updated as charge-off every month. 

This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (MI)

I recently placed an order with XXXX ( order number XXXX ) on XX/XX/22 and was promised that my items would be delivered today at noon if I opened a Goldman Sachs Apple account. After placing the order I was told that 80 % of my order would be delivered at a date much longer than the promised date. Upon contacting Apple they refused to do anything and I just noticed that Goldman Sachs has pulled my credit! So I was sold products with a promised delivery date and then said terms were changed AFTER my credit was pulled and an account opened in my name!
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

I went to get a credit report from XXXX to apply to an apartment on XX/XX/XXXX. I saw that my credit score was over XXXX points lower than the last time I checked because I supposedly opened an account with XXXX MOBILITY on XX/XX/XXXX and owed {$1600.00} which was sent to Sequium Asset Solutions for collection. The problem is that I never opened an AT & T account at all. I called Sequium and they said they couldn't pull up my account based on the account number I could see on XXXX - XXXX - or my name. They said I had to give them my social security number. This seemed very suspicious to me and I refused. I asked to speak with a supervisor and they said I could not. They said I could give them the last four digits of my social which I did. They found my account. I confirmed that I did not open the account or give permission to anyone at any time to open any accounts in my name. They asked me if an email address was mine that used a variation of my name and it was not mine, which tells me this was a case of identity theft. They asked if I recognized an address which I did. They asked how long I lived there and what my current address was. They gave me a link to report fraud with XXXX XXXX XXXX. When I went to the link it also asked for my social security number and wouldn't let me submit my report without it. I did not trust this. I sent Sequium a certified letter telling them to remove this debt from XXXX.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

First, Received calls from debt collector for the amount of : {$2000.00} from a XXXX  account in my name. So, I know I have not used XXXX in like many years and then I was under the name XXXX XXXX. So my Credit report shows on XX/XX/2020 a transaction with XXXX XXXX XXXX On the other part report date XX/XX/2020 an address associated my current name XXXX XXXX as : XXXX XXXX XXXX XXXX, XXXX, GA. I have never been to Georgia let alone live there let alone during the hight of the pandemic! I was home here in XXXX XXXX PA. I tried to get the address off of my credit report. I tried calling XXXX to figure out how to get into my old account and they said I have no account? Even in that old account I would have been XXXX XXXX with a very old Credit card I no longer have. I am debt free. My credit report is very clean and I have a very high credit score. Please help me get rid of these people. How in the world did they associate a XXXX XXXX from XXXX, Ga with me here in PA. I only ever lived here and even ran a business etc. Thank you for your help!
Consumer complaint received 2021-12-28
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. (SC)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX5 USC 1681.
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: Resurgent Capital Services L.P. (TX)

I have been advised since XX/XX/2020, I have been apart of multiple breaches from multiple companies. Due to this, I have free access to my credit reports from XXXX and XXXX. I have noticed a few accounts that do not belong to me. Notices have been sent to all three bureaus for the inaccuracies to be removed.