davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian has played games since before XXXX and now I am to the point where this has to stop. You send me a notification to go look at the results of an investigation and it says not available online, then call this number which is strictly a choice of ordering your credit report or asking about a fraud alert. 

Well, I am done spending hours upon hours trying to get an agent as it's just a game with them. 

At this point I am notifying Experian that I will not attempt to call their number again, nor attempt to pull up results that only direct you to a number, They need to call me directly in less than the 15 days they know that the CFPB gives them to act. 

If I do not hear from them at my phone number supplies, I will assume they are denying me access and forward the information to the authorities. 

This is now pure harassment and abuse on their part.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2021-01-23
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: AES/PHEAA (MI)

The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.
Consumer complaint received 2021-01-23
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. (IL)

I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as Experian & XXXX are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am a victim of fraud and the account in question is not mines. 

Chex systems  : XXXX/account # : XXXX Amount : XXXX Date : XX/XX/2017
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

On XX/XX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of my character.
Consumer complaint received 2021-01-23
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: Medical Data Systems, Inc. (AL)

I have filed multiple disputes with XXXX, XXXX and XXXX regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
XXXX  has refused to remove all of the accounts listed in this complaint even after I have filed XXXX identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (AZ)

collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ... .never done business with companies
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX XXXX / XXXX / {$900.00} XXXX / XXXX / {$1300.00} XXXX XXXX BANK XXXX XXXX XXXX / {$2800.00} XXXX BANK / XXXX {$3400.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX BANK XXXX XXXX / XXXX / {$1900.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX XXXX / XXXX / {$900.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

On XX/XX/2021, I filled out information on XXXX XXXX XXXX XXXX XXXX as I was interested in getting rates from different companies for a home refinance. 

One of the companies I was connected with was AmeriSave Mortgage Corporation. XXXX XXXX, Loan Originator NMLS ID # XXXX called me ( I actually was called by a XXXX, who confirmed I was interested in mortgage information, who then transferred me to XXXX XXXX to go over interest rates and options on a mortgage refinance. 

XXXX XXXX XXXX asked me what I thought were standard questions which would gather information related to a refinance. At no time did XXXX XXXX XXXX ask my permission to run my credit. At no time did XXXX XXXX XXXX indicate he was creating a loan application for me. After we had discussed different loan products and interest rates, I asked XXXX XXXX XXXX if he could send me the information on the loans we discussed. He said that I just needed to log into the website as all the information would be there. He directed me to Amerisave.com, instructed me over the phone to create a password. Once I did so, thinking it was merely to view the projections we discussed, I was prompted to accept the " Electronic Consent. ''  It was at this time I began to question XXXX XXXX XXXX because according to what I was reading, it appeared I had already applied for a loan. This was not the case at all. XXXX XXXX XXXX  assured me several times that I needed to " accept '' these terms just to view the projections. When I continued to question him and said that the terms gave me the impression that I had already applied for the loan, he became frustrated with me and said something along the lines of clearly, I didn't know how refinancing a loan worked and that " any time you talk to a loan officer you are applying for a loan. '' I told XXXX XXXX XXXX  that I did not feel comfortable proceeding and attempted to politely end the call. He tried to keep me on the line and push me to continue at which time I told him I felt like he was pushy and misleading and that I was done dealing with him. I thanked him for his time and ended the call. 

Now I have emails and an account which indeed confirm that a loan was applied for without my consent. I just do not want this to happen with any other consumers who may not be versed in the process of refinancing a mortgage loan. I would like to see that XXXX XXXX XXXX not engage in this behavior with any other customers. I can only imagine how many people he has fast talked his way through this with. I was advised the call was recorded, so AmeriSave should have a record of the conversation.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.
Consumer complaint received 2023-06-10
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry EQUIFAX XXXX XXXXXXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-04-06
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 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 : It also 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 Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (MI)

For the past 2 years between the dates of XX/XX/2022 - Now I received phone calls and emails claiming that I owed money to this party. I called to request a letter of verification and validation of this debt by contract between their company and myself. I was denied several times. I am unaware of where this came from but it does not belong to me
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

I have a collection account from a VANCE & HUFFMAN LLC that I have no knowledge of I tried contacting them in 2019 about this issue and told them I was a victim of identity theft and they told me they were going to delete this off my file and have not done it yet. I need this off my credit file because its NOT my account, I have no knowledge of this account. This account was opened without my knowledge.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through Capital One. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for {$950.00} and another for {$16000.00}. then my payment plan started XX/XX/XXXX for {$200.00} a month. On XX/XX/XXXX I made my last payment of {$94.00} that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.
Consumer complaint received 2021-01-23
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. (IL)

On XX/XX/20 I 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

In XXXX oXXXX XXXX, I complained to your bureau because AmeriSave was taking so long to process a refi. Your file for the complaint is XXXX. It's now late XXXX and AmeriSave has yet to complete the loan and every few days, after being told the loan file is complete and has been sent to underwriting, I get yet another email demanding updated info that I supplied to them again and again, with no end in sight. Included in those emails are demands for information that do not even correspond with the type of business I operate, suggesting that whoever is in charge does not know what they are doing. They delay and delay, and then tell me they can not process the loan without yet another round of P & L 's and bank statements. I would recommend this company only to someone I hate.
Consumer complaint received 2023-03-23
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. (GA)

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

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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 2021-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (MI)

I had a credit account with XXXX credit. I could not pay the balanced owed, so in XXXX of 2020, XXXX wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to XXXX, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe XXXX. How can I owe Rausch Strum collection agency any money when I did not incur the debt with them? How can I be sued when XXXX has written the debt off as bad debt? Rausch Strum isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with them.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.