davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (OH)

Lockhart , Morris & Montgomery appeared on my credit report XX/XX/2023. Multiple attempts to contact this company and I only receive a busy signal. I have never heard of this company, I never received any notices regarding a debt with this company, nor have I received any notices of my rights pertaining this debt with this company. 
The account listed on my credit report has no account number and is for {$990.00}. There is very little detail and many discrepancies with reporting across all three bureaus from this company. Ive never signed for this medical collection company and I would never allow another person to see my personal medical information. I also had Medicaid Insurance that covers any medical expense that I may have. Not to mention the fact that I have not received any bills, notices, letters or anything from this company. I have the right to demand to see a signed contract between Lockhart , Morris & Montgomery and myself. If they can not produce a signed contract from me, the consumer, then they must remove their trade line from my credit report per the Fair Credit Act. An alleged bill or alleged e-signature from a company other than Lockhart , Morris & Montgomery is not sufficient as a validation of debt.
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published.

Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter.

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.

There was a list of items that were sent in my initial dispute letter that now must be deleted from database.

The information must be deleted from my report as soon as possible. Not only did Transunion not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting.

Once again! Under federal law, Transunion had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK (CA)

In XXXX or XXXX of this year, I negotiated with Discover Loans {$30000.00} over 3 years to consolidate my debt. Although the monthly payment was nearly $ XXXXmonth, it was doable. In XXXX, my husband passed away, and due to a law in XXXX, because I was a XXXX, I am not entitled to his Social Security benefits, thus my income dropped by $ XXXX/month. I immediately called Discover Loans and explained the situation asking for an extension to 6 years ( I understood that would increase the percentage on the loan ), and they refused stating that their policy is that the loan needed to be " 6-months '' old before a modification could be made. I explained that I could not afford the monthly payment and didn't want to default or ruin my credit rating, and they still refused to help me. I ave been paying on the loan, albeit less than the {$1000.00}. I wrote the president of the company and he referred me to XXXX XXXX, in their consumer advocacy division. She has called me monthly to tell me there is nothing that can be done. Now they are charging me additional interest, monthly late fees, and have further suspended charging on a Discover credit card ( which is my lifeline, and I certainly have not been charging frivolously on it ) which has always been current. I don't think my request was unreasonable, but I do feel their punitive measures towards me have been.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that XXXX and Transunion remove the account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX from my credit report. Please see the attached debt validation letter that was sent to the collection agency 2 months ago. Also, please find attached the original creditor statement verifying that they could not find an account with my name and the account number reporting. They also mentioned another collection agency as the owner of the account and a different balance. XXXX has since removed this account. Due to negligence and many FCRA and FDCPA violations I am demanding that this account is removed within 7 days. Please see the attached letters which are dated and time stamped for your records.
Consumer complaint received 2022-07-20
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. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  Bankruptcy Reference # : XXXX XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

XXXX was told that charges were coming up that I did not make, they said they would fix the charges, they did not. Then they said they made mistakes through computer error, I called them and they were told months prior that someone who claimed to be discover called and told me they were opening a line of credit under my information. XXXX said they said they never called, then they said their bank called, then they said their bank did not call. Either way multiple pulls were made as shown in the credit report.No one listened or assisted.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I sent TransUnion a cover letter, Identity theft affidavit via USPS certified return reciept. Transunion recieved my mail correspondance on XX/XX/2023. Transunion failed to block the information relating to the Identity theft I had requested. Pursuant to 15 usc 1681c-2 the block of information was to be done within 4 business days.Transunion failed to do so while investigating the identity theft. Transunion sent me a letter dated XX/XX/2023 stating that they was going to rescind the block due to me not providing any information and that they believe I recieved goods and services. I sent all the required information in accordanec to federal law. I also notified transunion that if they believed that I recieved good and services form the furnishers that I request a senior exectuve memeber to send me an affidavit sworn under oath of that fact transunion never provided that correspondance for proof of the fact. Pursuant to 15 usc 1681g as a victim of identity theft I AM ENTITLED TO RECIEVE DOCUEMENTARY EVIDENCE as proof IN WHICH THEY BASED THEIR DECISION ON I HAVE YET TO RECIEVE THAT EVIDENCE. Pursuiant to 15 usc 1681c-2 ( c ) ( 3 ) information itself can not be evidence of me obtaining goods and services. 
I have never done any business with any of the furnishers of this information, I have no contract with them, they are not creditors of mine, I have never had any relationship with any of the furnishers of the false information being reported. I was never given any documents to prove otherwise. 

Transunion knowingly and willingly continues to report inaccutae and unverifiable information on my credit report after notice of the facts was given. They have failed to maintain reasonable procedures to assure compliance with the fair credit reporting act since I am a victim of identity theft pursuant to 15 usc 1681e in which they were to prevent from happening as well as allowing persons to furnish information without a permissible purpose I had no business relationship with any of the furnishers, no contract, they are not a creditor of mine, I have no account with, no obligation nor any services was ever rendered to me pursuant to 15 usc 1692e ( 2 ) from these furnishers. Transunion failed to protect my right to privacy in which they had an obligation to protect pursuant to 15 usc 6801. They allowed my nonpublic personal information to be obtained by perpetrators of fraud. 

I am suffering and will continue to suffer harm to my reputation from the material misrepresentations in my credit report if this error is not corrected immediately.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$110.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2023-07-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Mr Cooper request 30 days of income. I provided XXXX check stubs from my employer ( it was sent in XXXX separate PDFS cause it was a big page and XXXX weekly pay stubs to show a months worth of income. XXXX XXXX [ per send sit back to me saying the information in invalid Also they HOW IS MY PAYMENT MORE IF I COULDNT AFFORD XXXX how can I afford XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (OH)

Recently I received a notification about a collection from Vance & Huffman in the amount of {$1100.00}. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I logged into my report and found that this company illegally posted a collection account and the original creditor was XXXX, XXXX. I have never heard of nor had an account with either of these XXXX companies. I have never had an account nor any dealings with either of them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from Vance & Huffman before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. This company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I have been dealing with this issue since XXXX, I purchased new XXXX XXXX in XXXX the financial company was XXXX making payments to them and guess they went out business and a XXXX party took over their loan long story short XXXX  is still on title, this car loan is not on my credit report and has not been since XXXX I have been reaching out westlake portfolio management is the XXXX XXXX and I have been getting the run about my title. XXXX is saying their is {$0.00} balance and it shows void/canceled when I asked what does that mean they are telling me they never received it from XXXX and that XXXX XXXX has it I have contacted XXXX multiple times and they have insured me that never had it I gave them my full name, XXXX, and Vin number that dont havent Im just trying to Lien release or a letter of. Non secure interest to give to the DMV to remove XXXX off my title. I have tried talking XXXX but getting the run around and now Im being told its nothing they can do because they received anything form XXXX and that it went XXXX XXXX XXXX Id their anyway yall can help me get this issue resolved never received emails or phone calls or anything mail they said what was going on with XXXX I found out because I had called them and that was there automated response and it redirected you to XXXX and that was in XXXX.
Consumer complaint received 2022-07-20
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. (GA)

I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a 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 consent.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-27
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX