davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (TN)

This complaint is in regards to XXXX XXXX on my credit profile This account is in Litigation due to fraudulent activity and also concerning your companies 2017 data breach ( XXXX ) this letter and complaint is also for Experian, which has cause numerous damages to my consumer profile and my ability to obtain credit. It is XXXX and Experian job to report all accurate information, but yet i have an account on my consumer profile that is a fraudulent account and is in litigation because of identity theft i am a veteran and i XXXX  in different countries and find myself victim of fraudulent activity due to me not being stationed stateside and i notice these fraudulent accounts upon my return. 
15 USC 1681 C-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as info that resulted from an alleged identity theft, not later than 4 business days after date of receipt!

Remove this account asap from my consumer profile and all missed payments associated with XXXX XXXX which is in litigation due to Fraudulent activity with this account!
Consumer complaint received 2023-06-25
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: Resurgent Capital Services L.P. (CA)

creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an account without my written instructions.15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes.
Consumer complaint received 2022-05-21
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. (IN)

in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, Account # 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 2022-05-21
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. (CA)

Experian continues to allow XXXX Bank to update information related to a CLOSED account, as of 2018. The account was rendered a CHARGE-OFF ( the account is fraudulent per police and FTC report XXXX. However, Experian continues to allow the original creditor access to the fraudulent account and update the account with fraudulent information that the account is LATE each month. US Bank has deemed the account CLOSED CHARGE-OFF but Experian continues to allow the creditor access to the fraudulent account, allowing XXXX Bank to change the opening of the account, closing of the account and status date of the account each month. This is in violation of the FCRA, as this information had been removed/blocked has been allowed to reappear and post fraudulent information each month. Experian needs to be held accountable for taking such actions that violate the law. XXXX Bank Account # XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

Back in XX/XX/XXXX, I noticed on my credit report there was a collection account for {$1300.00}. When I realized that this debt represented a few hours stay at a local hospital, XXXX XXXX XXXX on XX/XX/XXXX. I had checked into this hospital due to breathing problems ( Not Covid-19 related ). From this hospital, I was transported by ambulance to the XXXX  XXXX in XXXX XXXX that same day. I did not have any medical/health insurance at that time. However, staff at the XXXX  XXXX assisted me with my application for XXXX and XXXX which was approved about 90 days later. When I got the approval, I placed a telephonic call to the XXXX XXXX XXXX and provided them with my XXXX XXXX number so they can receive payment for their services from XXXX -- -this was around XX/XX/XXXX. 

Imagine my horror when I discovered that the above -referenced medical-bill for {$1300.00} was now appearing on my Credit Report ( CR ) as a collection account. I immediately contacted the Collection agency, AR Resources ( see attached AR document ), and explained that this bill was already paid by XXXX XXXX Upon their investigation -- -AR Resources removed the collection account from my CR -- -this was back in XX/XX/XXXX. Fast forward today, XX/XX/XXXX, the same bill for {$1300.00} shows back on my CR but from a different collection company, XXXX XXXX, from XXXX, Texas. I immediately contacted their office and spoke to XXXX, XXXX XXXX XXXX, explaining to her this account was paid by XXXX back XXXX XXXX. She informed me that I would have to provide Proof of coverage and a copy of my XXXX XXXX XXXX -then she will remove it from my CR. 
Be that as it may, be, I do not trust XXXX XXXX, thus my instant complaint to CFPB.
Consumer complaint received 2022-05-20
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-04-24
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: AVANTE (TX)

In accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Avante USA, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have my mortgage with ShellPoint Mortgage Servicing. I make my payments on time every month through automatic ACH withdrawal. For the month of XXXX, they failed to apply my payment on time which then caused a waterfall of issues that now have hit my credit report. When i initially spoke to them on XX/XX/XXXX, the indicated that they identified the issue and sent a request to correct the issue and apply the payment. They also indicated that this would not impact my credit report. On XX/XX/XXXX, i started getting notifications from all of my credit monitoring software apps indicating that there was a change in my XXXX XXXX. Come to find out that Shellpoint did report this to the credit agencies as a late payment in contradiction to what they said they would do. When I contacted Shellpoint again on XX/XX/XXXX, I was told that they could see that there was an error and that I would not have to do anything. The rep that I spoke to indicated that he would send a request to have my credit report updated. I called back on XX/XX/XXXX to check on the status and spoke to a rep that told me that i had to send a request in writing to correct this error ( which was their fault to begin with ) and to have my credit file updated. After XXXX minutes of arguing with this person that I should not have to work so hard to get their mistake corrected, he indicated that the system was just updated to show that they sent the request to have the file updated. I asked to speak to a XXXX and of course XXXX was not available, but the rep I spoke to stated that " XXXX '' would call me back in XXXX hours later. Of course that did not happen, so I called back in on XXXX and asked to speak to a XXXX, once again XXXX was not available, but someone named XXXX XXXX was going to call me back. The level of incompetence and unwillingness to solve a problem that they created with any sense if urgency is dumbfounding. I am in a personal situation where my XXXX XXXX is critical, and I have spent my entire life paying my bills on time to maintain an above XXXX XXXX XXXX and for this mistake to tarnish it, with no regard to a sense of urgency to get it fixed is unacceptable.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Natural Person/Original Creditor : XXXX XXXX Reference Number : XXXX Reference Number : XXXX On XX/XX/2022, and XX/XX/2022, I applied for credit for an auto purchase. I was denied but, never sent an adverse action letter explaining why. It shall be unlawful for any person or organization to discriminate against an applicant. My SSN Belongs to the ( SSA ) Social Security Administration and any purchase made with that identifying number is an obligation of the United States pursuant to 18 USC 8.

Pursuant to 15 USC 1602a ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Keep in mind impersonating a creditor is a federal crime. I am the original creditor. 
Pursuant to 15 USC 1602a ( l ) a credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. I initiated a consumer credit transaction using my SSN/credit card for personal, family, and household services. This is my demand for the credit I applied for and your opportunity to cure.
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: Experian Information Solutions Inc. (NY)

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance- ; XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} If Experian, XXXX, and XXXX feel there is a possibility these itemsbelong 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 do not provide any records & claim the item is 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts 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 for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$6300.00}
Consumer complaint received 2022-07-15
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. (MO)

I had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX. XXXX XXXX XXXX XXXX : {$1300.00} XXXX. XXXX XXXX XXXX XXXX : {$4000.00} XXXX. XXXX XXXX XXXX XXXX : {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX  XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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: Experian Information Solutions Inc. (CA)

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Consumer complaint received 2023-04-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (FL)

As a consumer of Finance of America Reverse I understand it is my obligation to maintain my home in good condition. XXXX XXXX of XX/XX/XXXX caused extreme damage through flooding. To prevent mold wet drywall had to be removed immediately. 

Unable to get response from general contractors to work on my thousand-square-foot, XXXX home, with the help of my family and friends the house was dried out in time. Work repairing damage continued with me as homeowner acting as my own general contractor with tremendous help from my family. 

A flood claim was filed, {$20000.00} advance was received from FEMA within days. The endorsed check was sent to Finance of America where funds were withheld for weeks.

Denied the use of the {$20000.00} advance in making repairs, I borrowed on my mortgage, thereby incurring interest and fees. And I continued to borrow as repair expenses mounted.

The balance of claim {$74000.00} was sent by FEMA to me XX/XX/XXXX. I sent the endorsed check to Finance of America. Scanned receipts of expenses in two batches totaling over {$60000.00} have been sent to Finance of America. Two days ago I received release of funds {$27000.00}, {$47000.00} being withheld.

In my obligation to maintain my home in good repair, I have had to borrow thousands, after having paid for flood insurance, my claim having been honored by FEMA, incurring interest and fees while Finance of America keeps my funds. They have made it extremely difficult for me to maintain my home in good repair. 

This is unfair business practice, an undue burden, adding unnecessary stress in a catastrophe. In the case of reverse mortgages, reasonable to assume users are elderly and therefore even more burdensome. This practice should not be allowed.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

my lender had pull my credit i had notice i had some items they didnt belong to me it end up being mix credit issues so this one company i end up fight for month and try to dispute it. ill even provide information from credit report proving that it didnt belong to me. they told me they not providing any letters, to help me take it off my credit. they very rude, and hang up in my face. ill even try a another way to settle the debt. they told me no. im at all my all with this company kimball tirey & st j
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU has responded to my initial complaint however they have not provided a signed copy of the agreement they reference in their lawsuit against me nor in their response to the complaint processed through you. I would like a copy of that signed agreement for my records-thank you