davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: MIDFIRST BANK (MD)

During XXXX, I was placed on the FHA COVID Forbearance program via Midland Mortgage because of income loss during the pandemic. I was told while on forbearance, therell be no negative reporting on my credit report. XXXX  forward to XXXX, I recently found a job that will help me pay my mortgage and was advised by Midland to apply for a partial claim to cover the balance thats in forbearance, in addition, while awaiting approval for the partial claim I will not be subject to negative credit reporting. I received the partial claim package on XX/XX/XXXX with a submission deadline of XX/XX/XXXX. 

On XXXX XXXX, I received notice from XXXX that I was reported for being over 120 days late on my mortgage. Please keep in mind that I was told continually that there wouldnt be any negative reporting during this whole process. So, I called the mortgage company to inform them of the issue and they said the decision to report the negative rating for the forbearance period was by the credit bureaus. They ( Midland Mortgage ) also said that they didnt send negative information for them to report. I contacted XXXX on XXXX XXXX and they stated it was Midland Mortgage that reported my account late. 

Unfortunately, no one is able to assist or willing to investigate the issue. Please see attached documents from Midland indicating forbearance and negative credit reporting protection.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my consumer report for a rental property. TransUnion is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).
Consumer complaint received 2022-09-02
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. (TX)

On XX/XX/XXXX I checked my report and was not able to dispute this information online. 
XX/XX/XXXX called number provided to dispute these inquires and was directed to file with the FTC. Upon following the direction given I was redirected to CFPB. 

I did not give these entities permission or consent of any kind to obtain my personal and private information. Nor did I request information from these entities. Nor do I have an open or closed account with these entities. 

I dont recognize the following entities and am requesting these entities be removed : XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thank you
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (DC)

The account was opened onXX/XX/XXXX I believe the account balance history is inaccurate. My vehicle was repossessed and sold. I believe I was sold a lemon because the vehicle didn't last me very long. The account is several years old and should be removed from my credit report expeditiously. It would be a great blessing to my family and I.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is currently reporting outdated personal identifiers on my credit report. I requested an update in XX/XX/2021 and they have yet to respond. 

Experian is reporting the following accounts incorrectly : XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/2021. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 30 days late XX/XX/2021. I demand that you delete all late payments from the account. 

Experian is currently reporting two medical collections on my report that need to be removed. XXXX. XXXX and XXXX XXXX.
Consumer complaint received 2020-08-11
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-02
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, XXXX, XXXX and Equifax to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on XXXX a total balance of {$8400.00}. 

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, also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX, XXXX and Equifax has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.
Consumer complaint received 2020-05-30
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. (MT)

XX/XX/20 - notified by XXXX XXXX that a XXXX  card had been opened in my name. Verified that it was fraudulent XX/XX/20 - notified all three credit companies via phone and mail, filed FTC complaint, froze credit accounts XX/XX/20 - got credit report from Equifax. Noted fraudulent address, phone number, and XXXX  card. Called Equifax. Submitted dispute via phone and mail. 

XX/XX/20 - XXXX  card was removed from my account. My XXXX XXXX was also removed which I did not ask for. 

XX/XX/20 - Equifax sent a hard copy of my credit report to the fraudulent address. 

XX/XX/20 - Logged in to Equifax website to check status of dispute, discovered that Equifax was sending information and updates to the fraudulent address. Spent 3 hours calling Equifax, only to be transferred and/or hung up on. Finally talked to a representative who said that I had to resubmit documents. Offered to put a statement in my file that noted the fraudulent address and asking not to send any information to that address. 

XX/XX/20 - Resent dispute information to Equifax via mail noting fraudulent address and phone number. 

XX/XX/20 -Equifax sent a dispute notification to the fraudulent address. 

XX/XX/20 - Equifax has changed their website. I can no longer tell who they are sending my credit information to and it says that I have no active credit cards, which is not true.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (MD)

I mailed a dispute to Experian under tracking # XXXX, where inside I placed XXXX letters. I made all the letters separate because my last dispute Experian missed a whole account and did not investigate it, so my solution to this was to make a separate letter for each account but mail it in the same envelope. Today I received emails for Report # XXXX was received today XX/XX/2021 and should be completed by XX/XX/2021. I mailed a letter for accounts XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  and all eight of my XXXX accounts. On this alert my dispute for the XXXX accounts was not included. I have the expectation that all my disputes are to be acknowledged and researched. Im disputing the lateness on the accounts. XXXX by the way the account that was skipped prior that led me to make separate letters for all the accounts. Im attaching my XXXX dispute. Im doing my own credit dispute S so I not only type them and personally stuff the envelope and mail certified.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (UT)

I received a collection attempt from " XXXX XXXX , XXXX '' ( allegedly based in XXXX, MI ) in the mail for both an account I have never had and an amount of money I have never owed. The account numbers they're referencing do not exist, and neither the account or the debt appear in my credit report. This is a fraudulent collection attempt from beginning to end. I do plan to contact the company directly and attempt to sort things out and have the collection discharged and my information removed from their database ; however, I wanted to take steps to report this fraud before contacting them. This company has either been misled by some other fraudulent reporting organization or is itself creating these fraudulent reports in an attempt to scam myself, and others no doubt.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CA)

XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for it.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act Experian, XXXX, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
This violation has caused me great grief as to my credit score.
Consumer complaint received 2022-09-22
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)

This is my another request to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2022-09-22
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct number XXXX is in violation of my rights. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX is in violation of my rights. 
In accordance with the FCRA XXXX acct XXXX has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX acct number XXXX and XXXX XXXX acct number XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-08-25
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX. XXXX XXXX XX/XX/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/22
Consumer complaint received 2022-08-25
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. (NC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX ; XXXX and Transunion are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.