davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (CA)

Dear Mr or Mrs , My name is XXXX XXXX address is XXXX XXXX XXXX XXXX CA XXXX   SSN # is XXXX I started working to fix my credit on XX/XX/2018 with XX/XX/XXXX, XXXX  and Experian until now XX/XX/2018 still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge.

I already done with XXXX.

XXXX still working on it.

But Experian seem like they don't really care about my case. I don't remember how many call i had, who i spoke with and a lot of paper work send to my house. I was stress out.

I ask Experian for my credit report and received a report # XXXX for XX/XX/18 ( this is my second one i requested ) and i pretty sure i went to their website and dispute that account online and called dispute center to told them they need to start an investigate that account because it's not belong to me and they said it ' going to take around 30 days, ok i wait and keep checking my credit report online and today XX/XX/2018 at XXXX XXXX i called dispute center of Experian to ask what happen to the investigation and they said it's going to start today and i need to wait 30 days more. WHAT??? that's mean they did not not do anything to help me resolve my problem at all after i got my second report on XX/XX/2018.

My credit limit was lowered by 80 % and I can not do anything until this case is resolved. I was on the brink of buying a house for my family but due to this, I am forced to withhold the joy for my family. I am holding you responsible for this matter when it could have been dealt with at the beginning.

I willing to work with them to fix it but just let me wait for nothing.

I don't know how is this credit systems work but if Experian does not take that seriously please let me out of their systems because the way they work is hurting me so badly i don't see any benefit at this point.

Who going to help me out with this mess. After wait for 30 days for investigation and another 30 days is coming who going to guaranty with me this is a last 30 days.

Sincerely,
Consumer complaint received 2018-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I recently received a Notice of Foreclosure sale XX/XX/18. I am a Trustee and Co-Beneficiary of a Family Trust which the subject property is titled in reference to original borrower known as the Estate of XXXX XXXX. I reached out to the servicer but I have found it difficult to communicate with the servicer and the foreclosure law firm requires that I speak to servicer before they will process a postponement of sale ( Non Judicial State TN ). I do not have understanding of what the alleged amount of indebtedness is, what alleged payoff is, alleged reinstatement amount, and No one has  addressed the matter of servicer/Lender error in trading the loan and closing out the initial Trust allegedly opened by Lender. A Title search revealed a error as per SEC violation. 

None of the living beneficiaries received any notice from servicer except for me at last minute. The foreclosure firm says they were Not Given an amount of Indebtedness ( XXXX at Foreclosure Law Firm representing Servicer SPS ) The Firm refers me to the servicer and the servicer will not speak to me without an updated Third Party Authorization. Which I can not obtain until I am given legal advise as to who should sign the new Authorization as the previous decedent of Mrs XXXX is also deceased and XXXX XXXX is no longer a beneficiary of the Trust.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Information that I have a current derogrtory account was falsely furnished to XXXX, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
Consumer complaint received 2022-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

Called company XX/XX/28 to provide all full amount of the XXXX dollar bill and one for XXXX dollars by XXXX and they stated they wil provide a detailed statement showing the medical services provided in a itemized bill. 
I only received one for XXXX which was not the amount they stated with itemized bil. I only recieved the amount owed and where to mail the check into.
Consumer complaint received 2023-02-24
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$29.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  Balance : {$720.00} XXXX  XXXX Balance : {$1800.00}
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (TX)

I have new and updated information from dispute submitted through complaint for fraudulent accounts being reported. I was notified of accounts that I disputed due to fraud that EXPERIAN is just ignoring. I have proof from the complaint from company that such accounts were requested to be deleted but some how EXPERIAN said that they will remain on my account. 
Due to such results remaining and not being deleted it has come to my conclusion that EXPERIAN is not doing and taking such process serious. 
Other than me ( " the consumer '' ) not wanting such information furnished on my consumer report ; I have verification that such account is not accurate. 
So I'm requested you present me with description of the procedure used to determine the accuracy and completeness of the information.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, 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. (IN)

Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX XXXX and Experian to remove these credit hard inquiries off of my credit report immediately
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (TX)

THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!
Consumer complaint received 2022-08-06
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. (AR)

Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus XXXX 2.Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 XXXX dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXXXXXX XXXX. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (AZ)

My consumer report contains identity theft-linked accounts I never authorized. I recently informed you about this and now demand these accounts be blocked and removed immediately. These false entries are causing me serious distress and misrepresent my credit. I'll take legal action if not fixed quickly. These fraudulent items have blocked important financial goals like buying a home and supporting my family.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (VA)

There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on XXXX of my reports from the credit bureau in hopes to stop this from happening over and over again
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XXXX/XXXX/2022
Consumer complaint received 2022-02-01
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)

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX are to be blocked and cease to be reporting on my consumer file
Consumer complaint received 2022-02-01
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. (CA)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Upgrade, Inc. (CA)

Through personal finance site XXXX, I had heard about the Triple Cash Rewards credit card product from Upgrade, and the fact that it offered 3 % cash back rewards on some very unique spending categories was very intriguing to me. On XX/XX/2021, I began the process of applying for the card directly through Upgrade 's website. 

After providing them with my name, address, Social Security number, bank account information, and  income, I was rather surprised to be informed that I was required to enroll as a member of the XXXX XXXX XXXX XXXX before my application could be processed. Although Upgrade states that they will cover the initial deposit of {$5.00} and the first-year 's membership fee for the credit union , the fact that joining the credit union was a requirement for the card was never disclosed anywhere on the website or during the application process itself ( until after the sensitive information was provided. ).

This seems incredibly deceptive, and had I known that applying for this card would require me to sign up with an additional financial institution that I'd never heard of before ( and that would entail an ongoing cost of membership ), I never would have bothered signing up in the first place. 

After trying multiple times to unsuccessfully proceed with the card application process without joining the XXXX XXXX XXXX XXXX, I was eventually presented with an option on the website to indicate that I was no longer interested in the card and could permanently withdraw my application, which is what I did.

I believe it's only right for consumers to be told of this secondary requirement very plainly and clearly before they begin the application process for the rewards credit card ; I'm sure I'm not the only one who has been miffed by this.
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

Hey I was inquiring about an issue that I have with BB & T where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.
Consumer complaint received 2022-06-29
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. (MI)

In accordance with The Fair credit reporting act XXXX account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXXt XXXX bank {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXXXXXX XXXX webbank XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX XXXX {$870.00} # XXXX Absolute resolution XXXX XXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (TN)

Tate and Kirlin Associates , Inc has been contacting me via phone and mail to collect debt for XXXX XXXX ( original creditor ) and XXXX XXXX XXXX ( current creditor ) in the amount of {$72.00}. Ive never purchased anything from the original or current creditor. Ive asked Tate and Kirlin to stop contacting me but the continue to request payment. The debt they are attempting to collect is for XXXX XXXX. While my maiden name is XXXX, I have not used this name in 19 years. 

Letter Reference Number : XXXX
Consumer complaint received 2022-04-05
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. (IL)

I was informed a few years ago that my information was compromised via the XXXX datat breach. They offered me a lot of free this and that but never took the accounts off.
Consumer complaint received 2021-02-10
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. (CA)

I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. XXXX, Transunion, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insikt, Inc. (CA)

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).