davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX and XX/XX/XXXX for code of ethics violations.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.
Consumer complaint received 2021-08-28
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: Bridgecrest Acceptance Corporation (GA)

I was a customer of Bridgecrest from XX/XX/XXXX to XX/XX/XXXX. The loan was paid off. Bridgecrest is reporting an error to XXXX. Bridgecrest is reporting DATE OF FIRST DELIQUENCY as XX/XX/XXXX. This is not correct. This was recently changed by Bridgecrest. On previous reports the DATE OF LAST ACTIVITY was XX/XX/XXXX, which is correct because this is when the account was officially closed. This is hurting my credit rating because it appears I have a recent delinquency. I have filed a dispute with XXXX to have this corrected and Bridgecrest confirmed the error as accurate. This is inaccurate and is a FCRA violation called re-aging.
Consumer complaint received 2021-03-30
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. (MD)

I have sent multiple letters to EQUIFAX about the XXXX  XXXX XXXX account on my credit report but nothing has been done so far and this unacceptable. The account is in violation of the Federal Credit Reporting Act and should be deleted from my credit report immediately. Interests and fees have been added to this account even though it is charged off which is a violation of the FCRA! I have attached documents on here to prove my case. Delete this account immediately!! It is clearly visible, I even circled the most important information on these documents. Unless you are blind or getting paid by XXXX  XXXX XXXX you should clearly see what I am talking about. I am not going to give you ( Equifax ) 30 or 60 more days since I have already waited too long. I have mailed you multiple letters about this issue and I have the usps return receipt for every letter that I have sent to you. I am giving you ( 3 ) three days to delete this account from my credit report. Just look at the attachments. If you ( Equifax ) do not delete XXXX XXXX XXXX from my credit report I will sue you in federal court if this how I can get your attention and I am not even joking. I have also so attached on here the form to sue you so will understand that I am not joking. The form is ready to be filled in and sent out. Delete this account from my credit report!!!
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I went into a XXXX Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of XXXX  and at the time I pulled my credit report and noticed that XXXX had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that XXXX has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

Some time ago I had gone to the hospital for emergency XXXX XXXX. I went to an in network ER and paid all out of pocket expenses that I my insurance did not cover, such as deductables and co-pays. I paid over {$8000.00} but after all was paid I received an alert on my credit report for a medical debt that I was NEVER BILLED FOR. It was in the amount o {$250.00} with a collection agency call AR XXXX XXXX. I contacted them and paid this in full as soon as I was made aware of the debt. This should not be on my credit report. How can I pay for something that I was never notified about?? I want XXXX and XXXX to delete this.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America EDD checkings account was hacked, and someone transferred XXXX on XX/XX/2020 to XXXX XXXX ( ref # XXXX XXXX. 

I called Bank of America, who said a credit would be posted as they contacted the bank, but I have not received the credit
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (NV)

I have reached out numerous times regarding this false account, this account has caused a great deal of damage to my credit report as well as unnecessary embarrassment. This account is fraudulent and not mine. I also have never given this company permission to contact me or to use my information. According to the FCRA I have the right to challenge any false and inaccurate information I may find on my credit report. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from initial letter, as you have failed to do so I currently request that you remove the mentioned item from my credit report. Upon removal of the items listed above, please send me an updated copy of my credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2019-03-30
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. (GA)

It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.
Consumer complaint received 2022-07-08
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)

I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.
Consumer complaint received 2021-09-28
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: TD BANK US HOLDING COMPANY (FL)

My Name is XXXX XXXX Todays Date is XXXX XXXX My XXXX Report Number : XXXX And My FTC Report Number Is XXXX Iam The Only One Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Account As I Could .Also Recently I Called XXXX Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Account : TD AUTO FINANCE Account number XXXX {$14000.00} XXXX Even Called XXXX Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way XXXX Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2021-06-30
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: Santander Consumer USA Holdings Inc. (CT)

I got these accounts that are not mine and i want them to be remove from the credit reporting agencies. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-05-16
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. (FL)

I HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I DO NOT RECOGNIZE THESE INQUIRES : XXXX AND EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2020-10-08
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. (PA)

The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-10-08
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)

On XXXX XXXX, 2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related tome the consumer. TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful negligence and defamation. TransUnion Needs to adhere to the FCRA in regards to the my Identity Theft Fraud Report in their posse
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment marked on my credit for last month. I just bought the motorcycle and this can not be happening. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-07
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. (AR)

I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MD)

In ApproximatelXXXX XXXX XXXX XXXX  my Mortgage Servicing XXXX XXXX XXXX Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to Selene Finance. Selene said they had no record of the loan. It.s has taken until today and we still have no resolution because Selene is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The XXXX  and expense I am going through haven taken a toll and I want it stopped.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been sending written correspondence to XXXX and Equifax regarding an account from XXXX from XXXX since XXXX of this year and have made zero progress.

The account is reporting inaccurate and incomplete information. Additionally, there is a serious timeliness concern with this antiquated account. 

I understand that Equifax has been plagued by the additional burdens of being under Federal Investigation due to false reporting. I am not sure why XXXX has not provided any clarity on the situation or the requested proof or documentation to support the inaccurate and untimely information that is being reported.