davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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. (OH)

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX  for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX discharged.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WV)

My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate: XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX,XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, WV XXXXXXXX XXXX XXXX XXXX, OH XXXXI HAVE  CELLPHONE NUMBERS ON MY FILE THAT DO NOT BELONG TO ME PLEASE DELETE THE FOLLOWING NUMBERS: (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 2020-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

After recently reviewing my credit reports I discovered that your company is inaccurately reporting unauthorized inquiries to the credit bureaus. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) the only permissible purpose for pulling a consumers credit is : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I did not grant you  authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of any credit application authorizing the disclosure of my credit reports with my signature, I will accept the inquiry. 

If a signed authorization can not be found please DELETE any/all inquiries from my credit reports that you're inaccurately reporting to the credit bureaus. 

The presence of any inaccurate information can adversely affect my credit and its reporting is a violation of the FCRA. Furthermore, it is impeding my ability to obtain necessary credit. 

Please mail me a verified copy of the signed application or a letter indicating your intention to delete the inquiry. 

Note : Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement or pleading is true. 

As time is of the essence I hereby request your prompt attention and assistance in resolving this matter. 

Date of Inquiry in question : XX/XX/2020
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.Public Information: Chapter XXXX  Bankruptcy: Reference number: XXXX
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (LA)

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2019-08-20
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. (LA)

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX ,
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (LA)

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX**** , DPT ED/XXXX XXXX**** , XXXX XXXX XXXX XXXX**** ,  XXXX XXXX XXXX XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  (Original Creditor: ) XXXX****, XXXX XXXX****, CXXXX XXXX**** , XXXX XXXX****, XXXX XXXX XXXX****
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX XXXX, XXXX XXXX  ..  I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2020-02-13
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. (PA)

I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

I was charged a late fee for a annual renewal of Comenity XXXX XXXX card- but I called and cancelled the subscription way before hand. They said they will take care of the 2 late fees and they did but my credit score went down over 100 points. How is this even possible?? On the report it stated that my account was delinquent- it wasnt my fault therefore I should not be penalized! My score was over 730 and now its down to XXXX! 
I always pay everything in full and I am Always on time with all my payments! 
Is there anyway to fix this?
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (FL)

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User with XXXX Cards. I have already called XXXX to tell them I never gave permission to be on this card and this tradeline was removed from XXXX and XXXX but Equifax has never corrected this reporting error.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

I was awarded a home in a domestic divorce settlement which was already in default .I contacted my lender to do any first loan modification I submitted each document that was asked for .After checking on it for every other week I kept getting a rep saying they will get back with me.To no avail nobody did .I was scared so I filed bankruptcy to give me sometime to decide what to do .I later decided to dismiss my bankruptcy and try again with my lender .I spoke with another rep at the loan company and this time I spike with an intake rep that took my info .She even asked me if I could come up with XXXX I told her I could in about three weeks .She proceeded getting all my info .She said I would receive another packet and to submit all documents it tells me too .Once again I submitted all documents I doubled check everything .i even called the loan office to speak with someone in the loan litigation dept but was told I couldn't but the lady I did soeak with told me she used to work in a LM dept at another job and could help me make sure i had everthing correct .After soeaking with her I felt confident..Well after checking on my loan modification again like before I was still getting the run around .I finally spoke with a rep that said Mrs.XXXX  just send in something ( $ $ ) until you get your answers but I didn't because I needed to know that they would just take my money and still foreclose on my home .I tried going online ( my account at ditech ) to make a payment but later found out I couldn't unless it was the full amount .30 days later I get a lbetter saying I had 30 days to respond to decide what I wanted to do about my home and it listed options ..Loan modification was another options so I tried again yet no success .I just received a letter on XX/XX/XXXX saying they received what I submitted and are still working on it .Then recently I received another letter saying more documents were missed again .I really need help .Because yesterday I received a letter from a random lawyer ( XXXX XXXX XXXX ) saying he saw where my lender filed a foreclosure proceedings just been started against me based on public records available at SC judicial dept website. 
Please help me
Consumer complaint received 2019-08-20
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. (NC)

Equifax has failed to follow the Fair Credit Reporting Act, in investigating fraudulent information that has been validated from the other 2 major credit reporting agencies as been fraudulent and have refused to delete these fraudulent accounts while XXXX, and XXXX have deleted these accounts, Equifax repeatedly have sent emails stating they're working on my issue since XX/XX/2019 and it's now XX/XX/2019 with no results of the fraudulent accounts and a deliberate violation of the Fair Credit Reporting Act by not investigating and reporting my request.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AK)

This is a continued complaint with Experian. Experian has sent ANOTHER credit report to me with the SAME information about XXXX saying the have investigated a dispute and updated my report, ( which is EXACTLY the same ). XXXX was included in a Chapter XXXX bankruptcy in 2018. I AM NO LONGER responsible for ANYTHING to them, and XXXX  knows it. They no longer report to XXXX XXXX OR XXXX, but for whatever reason, EXPERIAN has CONTINUED to allow them to report that payments are late. Payments CAN NOT be late and HAVE NOT been late as it was DISCHARGED. I don't know HOW MANY TIMES I have to continue to DISPUTE THIS until EXPERIAN LISTENS. I am including the DISHARGE papers. XXXX  and EXPERIAN are breaking EVERY law about Fair Credit Reporting by continue to show late payments on something that a JUDGE says I am NO LONGER RESPONISBLE for and haven't been for 2 years!!!!! I don't know how much plainer it can be!!!!!!!!!!!!!!!!! PLEASE take this seriously and put and end to it once and for all!!!!!
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have a mortgage that originated on XX/XX/2019. Since that time I was NEVER late with any payments. However I had late fee of {$25.00} posted to my account. I called company several times and the answer was we can not do anything about it. I also called mortgage company that initiated my mortgage XXXX XXXX, and they tried to reach out to Mr. Cooper also multiple times, with no result.
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc. (CA)

Incorrect information on my credit reports Such as XXXX XXXX I believe you help me over a year ago with this they had sent me a letter tell me they're going to remove it and never did I contacted them again and it could be another 30 days you just been a run around with them back and forth including wrong information on my credit reports from all three agencies it is impossible to get any credit car loans anything
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

The past few months have been incredibly difficult for me. I saw these accounts on my credit, and I do not know what an LVNV funding is or why it's on my credit. I read the FCRA and learned that I have the right to dispute the account and request verification. I have many times now, requested said verification, which I still have not received. I have however received threatening phone calls from agents of the company. I have asked them several times to cease telephone communication and to send me information by writing, which they have refused many time!
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have spoken to XXXX XXXX  Consistently and in XXXX the confirmed that I owe 240000 or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that XXXX XXXX, a subsidiary of XXXX, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Citibank Double Cash Credit Card did not help in resolving the dispute that was made for transaction of {$200.00} on XX/XX/2019. This was made for XXXX website which hosted for XXXX training and placement agency on XXXX. 

After the first introductory online class with them I found out that they lack co-ordination and not willing to provide any training material of any sort and they are not very competitive and have little to no knowledge so I decided to cancel my enrollment and asked for full refund amount and contacted Citibank but they did nothing so far and today wrote a letter stating they can not resolve this dispute in my favor. 

I have all the rights under consumer protection to get full refund if I had not use any services or buy any products which apparently Citi failed to protect my rights.
Consumer complaint received 2020-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

I am filing a complaint against XXXX XXXX XXXX XXXX , XXXX regarding account # XXXX. This company is fraudulently report inaccurate information to me credit profiles with the major credit bureaus, as well as defaming my character. I have made several attempts to reach this collection agency, to receive no response, and invalid mailing address. I used the address reported to XXXX  on my credit report and it is invalid. Since I have no contract with XXXX XXXX XXXX XXXX aka Profit Services Group, of XXXX Georgia, I want this account REMOVED FROM MY CREDIT IMMEDIATELY! I have also filed a complaint with the CFPB complaint # XXXX, and have not received a response either.
Consumer complaint received 2020-02-13
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: Amsher Collection Services, Inc. (AL)

About two ( 2 ) to three ( 3 ) months ago I received a call on my cell phone from Amsher Collection Services about two ( 2 ) accounts that they were handling for XXXX XXXX XXXX XXXX each one with an identical balance of {$120.00} that totaled {$250.00} ... I explained that this was the first I was hearing about these outstanding bills and that they should of been paid by my insurance company XXXX XXXX XXXX XXXX of Alabama ... I asked that they stop calling my cell phone and send me a detailed statement showing the charges that were submitted and what my insurance company paid ... They advised me that they would submit my request ... I never received any statements detailing the outstanding duplicate charges of {$120.00} each so I just assumed that they received the payments from XXXX  and that everything was taken care of ... Then on XX/XX/2020 I received an update from XXXX XXXX that my Credit Score dropped 50 points caused by two collection accounts from Amsher Collection Services in the amounts of {$120.00} were added to my credit profile ... My FICO score was XXXX and I had impeccable credit profile and to have this happen without warning is unacceptable ... If I owe the money, I'll pay it immediately, but I would need proof that the amounts are actually owed ... I find it highly suspicious that the two accounts would have identical balances of {$120.00}!
Consumer complaint received 2020-02-13
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. (GA)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX  XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to 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 XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.