davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (HI)

Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXXXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX  .Filed a complaint with my State attorney General officeXXXX XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXX.Email XXXXXXXX Ceo as last resort before I Sue them.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (HI)

Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians Ceo as last resort before I Sue them.
Consumer complaint received 2023-08-04
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 — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (CA)

I have tried to correct an error made by a credit repair company which submitted a fraud report to Santander and caused them to stop reporting my account to the credit agencies. I have called the credit agencies and Santander to fix this. Santander has determined that they would not resubmit my account to the credit agencies due to the false fraud report.
Consumer complaint received 2022-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

My mom had XXXX recently so I got a forebearance from my mortgage company so I could go home and take care of her. She passed in XXXX. I then found out I had XXXX so I extended the forbearance until XXXX. 

The loan servicer, Lakeview Loan Servicing, told me I could get a deferral on the forebearance and they would send papers. After a day I realized that the cosigner of my mortgage had passed and that would affect paperwork, so I immediately sent his death certificate to the company, who acknowledged receipt. They said they would draw up new papers. 

In the meantime a packet of papers arrived with my cosigner 's information. I called the company, who said they would send corrected documents. 

Two weeks ago a new packet arrived, but with my cosigners 's name STILL on it. 

I called and complained and was told by their loss-mitigation dept that a supervisor had looked at my case and would be expediting the paperwork. 

I called today and they said that it would take another 2-3 weeks. In the meantime they keep sending me warning notices, and just sent me an email saying my deferment deal was no longer on the table. On the phone they said to ignore those notices as apparently one side of the business doesn't know what the other side is doing. 

I suffer from XX/XX/XXXX, and this affair has increased the frequency of attacks to nightly occurrences.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was mailed a letter dated XX/XX/XXXX from XXXX XXXX XXXXXX/XX/XXXX. In this letter its states that i owe a debt to Portfolio Recover Associates, llc. in the amount of {$1200.00}. 

on or about XX/XX/XXXX i called into Portfolio Recovery Associates, LLC. to inquire about the account and why they reached out to me. As per the rep on the phone she expressed that this company is a debt collection company attempting to collect a debt. 

on XXXX i mailed a letter of debt validation to XXXX XXXX XXXX XX/XX/XXXX. and Portfolio Recovery Associates LLC., Within the letter i requested detailed info about the alleged debt. such as a contract with my wet signature, itemized accounting of the account, etc. 

I received a letter from Portfolio informing me that they PURCHASED the debt from said creditor, also listing my name and alleged last 4 of ss # as additional information listed in the electronic file for this account and if i would like more details to call and request it, however i already requested this detail information in my 1st request of validation letter dated XX/XX/XXXX. 

I then received a letter dated XX/XX/XXXX and within it was a statement ( 1 pg ), along with a 2nd letter dated XX/XX/XXXX on XX/XX/XXXX.This letter which stated " that they already responded to a previous dispute. Meanwhile this was only my first attempt to dispute this account in question. 

On XXXX XXXX I mailed to them a 2nd validation letter requesting the same info and informing them of where i feel they failed to validate stated debt and what my rights are to obtain this requested info so that i can know if this debt is accurate or not. 

On XX/XX/XXXX I received in the mail the very first letter i received again not providing any of the requested info within either of my letters mailed to Portfolio.
Consumer complaint received 2023-02-01
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed.This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Bureaus the method of verification for disputes. In accordance with FCRA, I am requesting these inquiries to be deleted for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-18
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. (FL)

XX/XX/2022 Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to EXPERIAN, XXXX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, EXPERIAN, AND XXXX are each reporting this XXXX XXXX  ACCOUNT on my Consumer Report, I am requesting EACH AGENCY complete a reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am a litigious Consumer and fully i
ntend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX sold this account to a collection attorney. This account is showing on my credit report as, Account charged off. {$10.00}, XXXX written off. {$6.00}, XXXX. Since this account was written off /charged off, XXXX XXXX failed to provide me with a 1099c tax report. This inaccurate information was reported to all credit bureaus affecting my score and lending opportunities. I am requesting a copy of the 1099c. For accuracy purposes, the 1099c report must be provided to me for further tax review.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc. (PA)

This collection agency is reporting a debt to my credit report. I sent them a letter in XX/XX/XXXX requesting validation of he debt cause is not mine since is from XX/XX/XXXX and I always had medical coverage, and to be more specific I was pregnant at that time and my health insurance covered everything. The fist 30 days on this letter they dont reply. I sent them a second letter and they sent me medical bills with procedures that supposedly I got done. I sent this to the credit bureau for HIPPA VIOLATION since they didnt provide me a HIPPA released form signed by me. The credit bureau contact the agency and the were able to validate this debt. I once more contact the agency requesting the documents they use to validate this debt, and once more I don't have an answer from them. I need this to be removed from my credit report since I dont own this debt.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

According to the regulations of the Covid-19 forbearance program, no late payments are to be reported to a credit bureau during the forbearance era. I wasn't late on this account. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2022-09-17
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: Southwest Recovery Services, Inc. (VA)

Pursuant to 15 USC 1692 ( a ) Southwest Recovery Services used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Southwest Recovery Services also violated 15 USC 1692j ( A ) because SOUTHWEST RECOVERY SERVICES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Southwest Recovery Services sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Southwest Recovery Services can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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. (VA)

I received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the 44 inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX XXXX XXXX, TX XXXXXX/XX/XXXXVISA XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXXOH XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX TRANSUNION CONSUMER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX VISA TRANSACTION SERVICES XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXXXX/XX/XXXX XXXX XXXX HIGHWAY XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAPITAL XXXX XXXX CAPITAL XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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)

I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-06-15
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my OLD OLD NAVY CARD, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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. (GA)

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. 

XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 XXXX 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 XXXX 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.