davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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. (TN)

Today I logged into my Experian account and saw that again three accounts were more inaccurate than when I first disputed them as now they are calling 4 years old closed accounts CURRENT so that I have multiple Late payments on my report for open accounts WHICH IS NOT CORRECT! I called on XXXX. XXXX a spent 2.5 Hours On the phone with XXXX who stated he was removing THESE FRAUDULENT LATE PAYMENTS. He was so nice and stated I was correct and no late payments could show on closed accounts that I told his boss he did a great job. YET HE LIED NOTHING WAS CORRECTED! IT SEEMSTHIS IS PUNISHMENT FOR DISPUTING INCORRECT INFO ON MY REPORT! The accounts are : : XXXX, XXXX, and XXXX - these accounts should be removed months ago when I first disputed them for being false. They were never verified as EXPERIAN CLAIMED BECAUSE THE DATE IS YEARS AGO FOR UPDATE! Also unverifiable due to missing basic info like a BALANCE OR DOLA!! Yet, these accounts which at least showed closed NOW SHOW CURRENT WHICH IS A LIE AND GIVES ME FRAUDULENT LATE PAYMENTS WHICH DAMAGES MY SCORE!!!
Consumer complaint received 2020-11-13
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-09-20
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. (OH)

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX XXXX XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.
Consumer complaint received 2021-07-03
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. (TX)

On XX/XX/XXXX when XXXXXXXX XXXX  received notification ( from Experian ) that I had finally been able to afford to pay off two XXXXXXXX XXXX  accounts ( sold to XXXX XXXX ), XXXX took advantage of the notification from Experian that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX accounts sold to XXXX XXXX XXXX chose in less than 48 hours of receiving Experian delete request and proof both accounts were paid, XXXX knowingly and intentionally seized the opportunity to incorrectly report back to Experian " charge off '' status to Experian. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX had not reported to credit reporting agencies since XXXX, on either account. It was only when Experian contacted XXXX and notified them that I had paid both debts XXXX XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX reported back to Experian, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX about the response and change of status to charge off, XXXX phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX engages in predatory practices and that is why there are over XXXX complaints with XXXX I also recognize that because Experian has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original XXXXXXXX XXXX negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to XXXX XXXX
Consumer complaint received 2020-11-14
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. (NC)

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report XXXX an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX XXXX XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
Consumer complaint received 2023-08-13
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. (FL)

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.

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 2020-11-13
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

We have reached out to SLS regarding our mortgage repeatedly trying to save our home. We have been intentionally lied to about paperwork sent for loan modifications. Our request to exercise our rights for an independent review on earlier modifications has never been answered and our loan has been sent to foreclosure on more than one occasion without giving us the due process afforded to all mortgage holders via the RESPA act. Through our research, it has come to our attention that Specialized Loan Servicing was found to be in violation of federal law by not adhering to the rules on RESPA. These are some of the same issues we have previously brought to your attention. Specialized Loan Servicing violated the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., its implementing regulation, Regulation X, 12 C.F.R. part 1024, and the Consumer Financial Protection Act of 210 ( CFPA ) by taking prohibited foreclosure actions against certain borrowers in violation of 12 C.F. R. 1024.41 ( f ) ( 2 ) and ( g ). SLS violated RESPA, Regulation X, and the CFPA by not sending prompt evaluations notices to borrowers and then starting foreclosure procedures. SLS took these actions against our loan. I have attached the documents that support our claims. ( exhibits A & B ). We have also had an independent fraud audit done on the signing of assignments associated with our loan. This independent audit revealed instances of fraud that could potentially make any claims or actions taken on our mortgage loan invalid. We have attached a copy of this affidavit to our security deed registered with the State of Georgia Deeds and records for XXXX County. ( Exhibit C ).
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Franklin Collection Service, Inc. (AZ)

I dont know who Franklin Collection services is, and I have had this trade removed SEVERAL times from my CRAs because I do not owe XXXX XXXX XXXX. They continuously leave messages threatening to go to my job and home and take me to jail. I DO NOT KNOW THIS COMPANY NOR OWE any money. 

Franklin Collection Services opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Franklin Collection Services has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Franklin Collection Services. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2020-11-13
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX  XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXXXXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Consumer complaint received 2022-08-20
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX To XXXX it XXXX concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my XXXX report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( XXXX ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. XXXX Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (KS)

I had sent my my friend some money to his account from my Netspend XXXX XXXX by XXXX XXXX XXXX XXXX. I filed a duplicate payment dispute and they denied my claim but then they still deducted from my friends account in which his account then became negative. I have not been credited to my account any money, netspend said I would not get any credit but they still took money from my friends account and wont put it back. I have talked to them but I am getting nowhere with netspend. If they aren't giving me the credit then they need to give my friend back his money.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NJ)

In XXXX of XXXX I purchased two XXXX XXXX, during a promotional deal where you buy one get one free for the price of one. The price of the phone was {$590.00} USD and the condition to receive the deal was only adding an additional plan to my XXXX XXXX account. I previously had an XXXX XXXX XXXX  with a monthly bill of only {$55.00} USD. I been a loyal customer to XXXX for over 8 years, while serving the United States XXXX XXXX and upon separating from XXXX XXXX and entering the XXXX XXXX , I hadnt experienced any bad service nor had a late payment of any sort. The Sales representative in the city of XXXX, New Jersey. Assured me that I will get a bill in the next two to three months reflecting the payment due amount of the phones with the promotional credit, which should have added up to the {$590.00} USD. This was the agreed upon amount at the time. I waited and waited and didnt see a bill till four months later and when the bill was viewed and received it was in collections without my knowledge. I called the location, where I purchased the phones and no response. I called XXXX business assistance number and they assured me they will take care of it in seven business days back in XXXX of XXXX and nothing was done of it. At this time the account never reflected the amount due accurately, due to it being sent to collection but it hadnt hit my credit score at that time. I proceed to the nearest XXXX store in my area. I spoke to four XXXX representatives, who put me on the line with XXXX billing issues for XXXX XXXX account holders again. They assured me they would fix the issue and again promised for it would be fixed in 7 business days and again nothing was done of it. A week or so later I went back to the same store in XXXX XXXX XXXX, Florida. I spoke with the store manager a miss XXXX, and her team of XXXX, XXXX, which were on the line with the XXXX representative via phone again. They tried to correct issue, and nothing came out of it. I called the store a week later as a follow up as miss XXXX suggested to check back in. Do to her telling me she would escalate my issue up her chain of command. I called and she stated she would give a call back didnt get a call back. I called back and she stated she is working on it. Check again later during week. Now its XX/XX/XXXX issue wasnt resolved, and their collection agency finally attacked my credit for the full amount of both phones {$1100.00} USD.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I notified the bureau 's that there has been some accounts and inquiries reporting on my credit report that is the result of identity theft. To protect my credit from any further damage I sent a request to remove some addresses that I don't recognize and I have never resided. As of today XX/XX/2021 these fraudulent addresses remain on my credit report. Please see attached addresses to be removed.
Consumer complaint received 2022-06-30
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX opened XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States a consumer reporting agency can not furnish account without my written instruction.

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section

603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information
Consumer complaint received 2022-10-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sykes,Bourdon,Ahern & Levy, P.C. (VA)

I did not receive any mail from the company and as of XXXX still have not received any mail of summons for garnishment. I had to request documents from my employer on XXXX to find out who was garnishing me. I did not comply to any terms given nor have I been to court to comply with anything.