davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my most recent credit report I see an account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (IL)

After further review of my XX/XX/XXXX Credit report with XXXX, XXXX, Equifax -- i discovered an account that was previously mine, but was reopened by some other then myself. 

The report confirms the opening date ( confirmed ) payment history. The Account was closed a year ago with the Financial Institution, how it was reopened is out of my reach Upon further review the report indicates a late payment in XXXX of XXXX, and a closure in XXXX of XXXX. Moreover, this validates a double redflag, and imminent fraud. A fraud report was placed with XXXX.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.
Consumer complaint received 2022-08-11
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXXXXXX XXXX XXXX  Account Number : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/XXXX these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Consumer complaint received 2022-04-08
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. (CT)

In accordance with the Fair Credit Reporting act 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 all 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 2022-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ability Recovery Services, LLC (FL)

Ability recovery services llc calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!
Consumer complaint received 2019-04-11
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: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage/XXXX  XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that Shellpoint was not reporting my mortgage payments to the credit bureaus. In 2017 Shellpoint reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, Shellpoint removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to Shellpoint. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that SHELLPOINT MORTGAGE/XXXX XXXX   WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that Shellpoint did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could Shellpoint not have knowledge that my mortgage was not a part of the Chapter XXXX??
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

Hi I am submitting this XXXX XXXX without 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.
Consumer complaint received 2022-08-11
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late DateXXXX
Consumer complaint received 2020-03-25
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. (CA)

I have had an ongoing issue with the reporting of a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. They continue to inaccurately report things on my credit, causing hardship. The 1099 shows that the debt was cancelled as of XX/XX/XXXX, yet it is still being reported negatively on my credit past that date, showing I have a negative payment history from XX/XX/XXXX until now. How is it negative if it is cancelled? I have also attached the certified mail letter I sent to the finance company, which they refused and returned to sender. I would like this account completely deleted from my report as they refuse to cooperate and / or report accurate information.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX. Inquire done for credit card, I already have a XXXX XXXX XXXX account. This application on this date ( XX/XX/ ) was not done by me.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

This is a complaint against Credit Collection Services ( acting on behalf on XXXX ). 

I had just moved back to XXXX XXXX after selling my house in XXXX XXXX and needed cable and internet while I was there. I started service in XXXX XXXX  and asked if I could stop at anytime because I would be moving back to XXXX once I found another house. The XXXX employee said YES just make sure you bring the equipment in otherwise you will be charged. 

A few months later I was leaving for XXXX and on the way I stopped at the XXXX XXXX to drop the equipment off and pay whatever remaining balance I owed/cancellation fee. The store in XXXX asked if I was going to use XXXX in XXXX. I said yes and they said ok you can bring the equipment to XXXX and set up when you are at your new home, it will be no problem because XXXX serves XXXX. I gave them my address to switch the service. A few days later When I arrived in XXXX I tried to set up XXXX at my new home. But, it turned out XXXX could not serve my address for what I needed. I then went to drop the equipment off at the XXXX XXXX in XXXX. The XXXX store took my equipment and my account was canceled. 

Months later I received an email from my business manager saying there was a XXXX bill for almost {$600.00}. I thought that was weird because I had taken care of what I was suppose to do in XXXX and then in XXXX. I personally never received any notices in the mail to my home in XXXX. I thought it was a scam because I had paid whatever I owed in XXXX and then dropped the equipment in XXXX, and everything was canceled. 

Despite being told everything was all set in XXXX and then all set in XXXX, XXXX continued to insist we pay an amount for not returning the equipment. They continued by threatening to send the account to collections. As I was not able to make any headway in having XXXX admit their own mistake and reverse the billing, I decided to just pay the bill to avoid having a marks against my credit. 

Even after paying the bill- for an amount that I never owed- they still filed a mark against my credit. 

This is a wholly dishonest practice by XXXX and despite being bullied into paying a bill that was not correct, their collection company " Credit Collection Services '' still filed a negative mark against me.
Consumer complaint received 2020-03-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

AmeriHome Mortgage Company, instead of sending one monthly bill on a set schedule, sends out a new bill every time you make a payment. When a lender sends me a bill, I pay it. As such, I have made 31 payments to AmeriHome Mortgage in the last 25 months ( 6 extra  payments to this company ). In both XXXX and XXXX XXXX, I made 2 payments each month. I made 3 payments in XXXX XXXX, 2 payments in XX/XX/XXXX, 2 payments in XX/XX/XXXX and again in XXXX XXXX. I have made 2 payments in XX/XX/XXXX. As a consumer, I should be able to expect to receive one bill each month on a set schedule. I received a statement date of XX/XX/XXXX, with the payment due XX/XX/XXXX. It stands to reason that the statement date of XX/XX/XXXX should have a payment due date of XX/XX/XXXX. No, they put the payment due date as XX/XX/XXXX in both XXXX and XXXX, giving me a 2-day window to pay the XX/XX/XXXX statement ( thank God it's leap year, so I got that one extra day ). They charged a {$38.00} late fee, although they're payment system makes no logical sense and I'm 6 payments ahead of schedule. I believe AmeriHome Mortgage should send consumers one bill per month on a set schedule. Again, I have made 31 payments in 25 months, based upon their wacky billing system.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cardinal Accounts, Inc. (IN)

Ob XX/XX/2022 I called Cardinal Accounts INC about a collection account that had just recently reported to my credit report. When I called, a lady answered and asked me my first and last name. I told her and she directed me to an older sounding lady. That lady advised me she could not find my file and she would need to give me a call back to discuss the account. She said that the call would be from a no caller ID. I received a call about 5 minutes later from the same lady. She did not verify my name, date of birth, last four of social, or anything of those sorts. I asked her why she didnt do any of that being a debt collection agency before discussing any information with me. She said she didn't have to. I then asked if the phone call was recorded for both of our sake and she said it wasn't and they don't record phone calls there. The information they are reporting to the credit bureaus is incorrect and they never even attempted to reach out to me regarding the debt. They didnt even have the correct address for myself. I feel like this " debt collection agency '' is practicing fraud and should definitely be looked into.
Consumer complaint received 2022-08-11
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. (MI)

After checking my credit report with XXXX, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. XXXX violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by XXXX but the problems were not corrected.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX  XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX  XXXX ( Bank ) -XXXX XXXX XXXX XXXXinance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX ( Bank ) -XXXX XXXX XXXX XXXX XXXX  Finance XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) -XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX