davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to XXXX. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to XXXX  the money went from XXXX to XXXX and sat in a holding account because the XXXX loan number did not match the new XXXX. 

When I received the delinquency notification via USPS mail service, I immediate contacted XXXX and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new XXXX mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through Experian and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new XXXX account. 

I also am very confused as to how XXXX is reporting on-time payments going back as far as XXXX when I never made payments to XXXX during the reporting periods.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (NY)

After reviewing your response, I would like to say that I am not using a credit repair firm and never have. I feel that the item listed in m y credit report are inaccurate, and I would like your company to investigate.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (DE)

In XX/XX/2021, I received a notification on my XXXX Credit Report about a collection entry by a company based in Alabama known as AMSHER Collection Services ( XXXX. The debt was for a company known as XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2021, I called XXXXXXXX XXXX  and the lady checked her records and confirmed that I had never had an account with them as they service the Southeast United States and I live in Delaware. She advised me NOT to call AMSHER, but to file a dispute with XXXX which I did. I supplied XXXX copies of my drivers license and passport and about a week later the collection notice on my credit report disappeared. On XX/XX/2021, I received a new entry on my credit report listing the same information and same collection agency. Today, XX/XX/2021, I contacted XXXX by phone and asked them why the inquiry was reinstated. They said AMSHER reported to them that the account was opened using my social security number and that this indicated fraud and for me to contact the FTC to file a identity fraud alert.
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 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 XXXX data breach and may have gotten Into the hands of the wrong person.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (ID)

On XX/XX/2021 an item on my credit report listed as Caine & Weiner was removed. It has now reappeared on my credit. 

This item was not verified and valid under the FCRA and by law had to be removed and cease all further collection and reporting actions. This has not been followed. 

This needs to be removed permanently, immediately, and as this is pending legal action.
Consumer complaint received 2022-06-20
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. (NJ)

I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. Please be advised that I am the only person who is writing this comment there is no other party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please see attached documents
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

This is the second complaint I have filed against an erroneous charge filed by XXXX XXXX for a phone purchase I never made. My first account with cfbp was # XXXX which was closed by XXXX on XXXX XXXX. Now, on XXXX XXXX XXXX has simply rolled this file over to another Collection agency : Sunrise Credit Services in XXXX, NY for {$1300.00}. I have called this company twice to explain this unjust report with no resolution ... both times I was told they would send me a Fraud Report but nothing was ever received! How can it be legal for XXXX  to simply roll this charge over and over to multiple collection agencies without any action to resolve this charge against me who never had this phone or address listed. My Excellent Credit Score has gone from Excellent to Good twice now!!!! I don't want this to continue and reporting to cfpb is good but not enough if XXXX XXXX doesn't take responsibility.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 9. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 10. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-28
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. (MS)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 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 XXXX data breach and may have gotten Into the hands of the wrong person.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2021 at XXXX ( eastern time ), I received a phone call from XXXX. When I answered, a female stated her name was XXXX and she was looking for my wife XXXX XXXX. I informed XXXX that my wife was asleep. She then stated that there was no message. I then inquired what company she was with and she stated that she was with Portfolio Recovery. I informed XXXX that I did not want the company to call my phone again. She proceeded to tell me that the company did not have a " do not call '' list. I informed her that I do not want that company calling my phone number again and all further calls are to stop. She again stated that the company did not have a do not call list. My wife has repeatedly told the company to stop calling and they refuse to comply with the request.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

Ive sent several letters to these collection agencies to show me proof of accurate debt because my HIPPA rights haven been violated. I believe your company has violated several of my consumer rights. Specifically, you fail to validate a debt at my request, which is a FCRA violation and you continue to report a disputed that to the credit bureaus. Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. As you may be aware, Estoppel by silence legally means that you had a duty but to speak but failed to do so therefore, that must mean you agree with me that the debt is false. I will use the XXXX in my defense.
Consumer complaint received 2022-06-20
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. (IL)

In accordance with the fair credit reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights more than once, by taking inaccurate information off my credit report and putting it back on my credit report after the investigation was over. 

Also 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-06-28
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. (GA)

The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to XXXX past due and XXXX XXXX XXXX has been reporting the account every month as XXXX past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to XXXX XXXX XXXX XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to 180 past due and Credit Acceptance Corp has been reporting the account every month as 180 past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to Credit Acceptance Corp *XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.
Consumer complaint received 2022-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

I received a letter from Navient dated XX/XX/2022. Navient is telling me to avoid FEDERAL loan default, although, I made numerous attempts to clear miscommunications. 
They continue to make untruthful statements about my character and following the XXXX  process. The emails keep stating I am being unresponsive. 
Please Reference Consumer Financial Protection Bureau ID XXXX with Navient Receipt of Concern Case XXXX. 
My Navient Logged Web Account System Receipt for the uploaded complimentary copy of the complaint and already approved studentaid.gov XXXX, not due to be recertified for income until XX/XX/2022, with my web account logged into, dates XX/XX/2022 at XXXX. It provided confirmation on my image snapshot Upload Successful. 
I am writing this complaint to avoid FEDERAL LOAN DEFAULT, and gain support to have Navient honor the studentaid.gov XXXX, already filled out and approved, due to be recertified XX/XX/2022. 

Attempted to speak to Navient XXXX on XX/XX/2022, XXXX Navient XXXX XXXX XX/XX/2022, XXXX
Consumer complaint received 2021-06-28
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: First Advantage LNS Inc. (MA)

I have contacted all credit bureaus some have the wrong contact information number, this account is reporting on my credit with no credit history I have a XXXX credit report to prove this case. 

Also its charged off and still reporting a {$1400.00} balance this account is not mine Ive tried multiple time explaining this collection agency send a copy of a fraudulent signature they claim is mine and 2 otter people Please remove this based on inaccurate reporting to each credit bureaus. 

Also the Original Creditor has NO NAME this is not 100 % accurate reporting.
Consumer complaint received 2021-06-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I checked my report and saw that Victoria secret card with comenity is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX ( # XXXX ) {$26000.00}, ( XXXX ) {$11000.00} XXXX XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX  ( # XXXX ), ( # XXXX ), XXXX XXXX XXXX  ( # XXXX ) {$750.00}, XXXX XXXX ( # XXXX ) {$23000.00} Child Support ( # XXXX ) {$10000.00} XXXX XXXX XXXX XXXXXXXX ( # XXXX ) {$1400.00}, XXXX XXXX ( # XXXX ) $ {$430.00}, XXXXXXXX XXXX XXXXXXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX ( # XXXX ) {$1200.00}. 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information without my written instructions.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NV)

The debt is for an apartment. The apartment company never notified us that we owed money, so I asked the debt collector why I owed. The woman told me per HIPAA laws I had to pay to have the carpet replaced, which is clearly false. This was after I asked them for an itemized detail of the debt owed which they refused. I asked for their address to send proof I dont owe money, two agents refused to provide their mailing information. All I wanted was a chance to show that I did not owe what they were claiming, because I have documentation that proves I do not owe money. One agent said if youre poor and dont have money just say that and called me a liar when I said that I didnt owe the money. The person then hung up on me. Ive talked to multiple agents from this company and they have all been verbally abusive. In addition to this, I have asked that they dont call me yet they continue to do so.
Consumer complaint received 2022-06-20
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. (NC)

I have requested multiple time to remove two hard inquiries from my Transunion report that were not authorized or was a misrepresentation of the company. The other two credit bureaus have corrected the information, Transunion seems to always refuse to do so. 

XXXX XXXX XXXX has sent them letters to request removal and I've sent the same letter of the request to them beginning in XX/XX/2022 and it still remains on my credit report as a hard inquiry. 

I've disputed XXXX XXXX XXXX XXXX XXXX XXXX which does not have any information or documentation of my agreement to access my credit report and Transunion is aware but refuses to remove the hard inquiry off of my credit report.