davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The Credit reports from the three predominant credit report institutions have been systematically and consistently reporting that I have have serious delinquencies affecting substantially my credit record and my ability to find low interest rates on credit cards, student loans, car loans mortgages. 
I have been continuously paying my debts since XX/XX/XXXX and this has not been reflected on my credit record/history because of this. 
Last year I found out I had a {$37.00} apparent unpaid medical bill since XXXX which I not only did not know it existed and once I found out ( because It was reflected on my credit report ), I decided to pay it even though I thought It was a fraudulent bill. 
The question to ask these three cold heart credit report institutions is that if they feel {$37.00} is a serious delinquency? 
And worst of all is that these cold heart institutions will keep reporting for seven years this {$37.00} as a serious delinquency even though is has been paid off. 
I believe, a law should be passed to ban these credit report institutions from reporting as serious or even plain delinquencies amounts below {$100.00} or a sum considered irrelevant. I will write today a letter to my district congresswoman to start a campaign against these and other harmful policies and practices and have the US Congress review these credit report institutions to obligated them to have fair and reasonable practices and policies. It seems to me, no government institutions supervise and controls these institutions, if the can be called institutions. 
Nobody is a delinquent for having a {$37.00} record or {$100.00} or {$1000.00} on their report, is not a crime, a delinquent is a person that has transgressed the law, its illegal to call somebody a delinquent for an unpaid bill. This is unacceptable. 
These institutions have to do their home work to establish once received a report specially from collection agencies if the report is fraudulent or not, it seems these institutions only collect information and sell it as is, they have not adopted controls over the information received or at least, get in contact with the affected consumer to check if its a fraudulent record. These institutions could well be just a computer since they do nothing but collect information and sell if, they don't care about the consumers. 
XXXX XXXX
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (KY)

Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Consumer complaint received 2020-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.
Consumer complaint received 2020-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.
Consumer complaint received 2020-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.
Consumer complaint received 2020-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

EXPERIAN, XXXX, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2020-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

XXXX  XXXX, now DBA XXXX XXXX operated by The XXXX  XXXX  hasn't sent me any statements other than my Final Movement Statement on XX/XX/2018. I paid all that was due and now almost two years later have received multiple collection notices from the National Credit System , Inc. to pay a {$95.00} debt that I've never even seen. 

I have documentation to show that the final moveout statement was {$1600.00}. Of that {$5.00} was a late fee which was subsequently removed by the front office staff ( I have documentation ) and the remaining {$1600.00} was paid in 3 payments of {$530.00}. 

{$95.00} remaining balance? I never received anything about it. 

Ive contacted the National Credit System to report that I am disputing this and I and my guarantor are still receiving additional credit threats that they will damage our credit. 

I have tried on multiple emails and phone calls to get this resolved by contacting the front office staff. Every time, I've contacted them, they've told me they can't help me and that the XXXX XXXX XXXX will resolve this and to send him email. I've now sent him multiple emails and have not received the slightest response. Upon calling the office again, they said just do the same thing, but I am receiving additional credit threats in the mail and frequent calls from the National Credit System.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I originally had my mortgage with XXXX XXXX- I never signed nor recall signing anything for BAYVIEW LOANS to be involved. They are committing fraud by stealing my money from the amount I owed on the house and raising the interest ; I have asked for ALL the documents with my signature to be to mailed and I have gotten no response. I need all documents and statements to be mailed as this fraud of a company is attempting to intimidate and and defraud me. I need to know how my and why my mortgage loan was sold, the amount and the rate. I need the documents and signatures.
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (GA)

First my loan was with XXXX XXXX XXXX. Then without notice I called last year in XX/XX/XXXX, to just check the status of my loan and I found out they were going out of business and my load was sold to a company called SST ( Systems & Services Technologies , Inc., in XXXX XXXX, IL. When I contacted them is when problems started. I requested that my loan documents they had converted be sent to me. I got a lot of window dressing from their customer service rep 's when I called in XX/XX/XXXX and followed up in XX/XX/XXXX. They stated something was being worked up to send me to this date of XXXX XXXX XXXX. I have not received anything and they have treated me like a lost step child. I'm quite upset with them and they have told me I have some daily interest that I didn't not sign for with XXXX and this was a two year load at best. They are trying to milk this loan out for 36 months. I'm paying {$350.00} a month on a loan agreement I don't have documents for and when I requested information from SST they stated they sent info that must have gone in my spam folder and they only send that one time. So I don't have any load documents. My loan was with XXXX XXXX, and not for 36 months at {$350.00}. I would like your assistance in getting this load either dissolved or a change in whatever arrangements they think they have with me.
Consumer complaint received 2020-04-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (LA)

I took out a loan in XXXX of 2019 for {$5000.00}. I have made a payment in the amount of {$200.00} every two weeks for a total of {$1800.00}. Only {$2.00} of those payments has been applied to the principal balance. I tried to make extra payments to bring my balance down. I first attempted {$70.00} payment with instructions to apply to the principal balance. It was just subtracted from my regular payment withdrawal of {$200.00}. I then contacted the company asking why they didn't accept my extra payments. They explained that in order for an extra payment to go to principal it had to made on the same day of withdrawal payments. I tried that twice. The first time it posted that payment the day after and again removed the {$70.00} from my next payment. I then tried again on a payment day and this time was flagged that I could not make payments on the same day. They reported this loan on my credit reports and because the balance doesn't go down it's hurting my credit score. I want to be able to pay this loan off in order to avoid the ridiculous amount of interest they will have charged over the course of this loan. I also see that in Louisiana for this type of loan the maximum interest allowed by law is 12 %. They are breaking the law by the amount of interest they are charging me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-04-20
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. (TX)

everytime i dispute information with equifax and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially equifax is a headache and XXXX  neveer had a problem with XXXX XXXX
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This will be my third time placing a dispute with Experian in regards to the accounts that Experian is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into Experian I have since gotten no response from Experian about the reason why they have not removed these false accounts from my credit file. XXXX suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and Experian has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue Experian in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires Experian to verify the validity of each account within 30 business days, I have not heard from Experian and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX {$450.00} and ( 2 ) XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Conn's, Inc. (TX)

I have called Conn 's to tell them am temporary laid off due to the conoviris and let them know that I cant make the payment .and the rep I spoke to was very rude and used fowl foul language and what my credit card number and I told them I wont give that infomation because I didnt one time before and the they take money out of my account without my authorization makes me think that these people dont work for the company since they supposed say thier named and all they want to do was agree and fight with him and asking me personal question about my finances which is no of thier business and told me that the need money for thier family and called sob .this not right. This not the way to business plus I had a tv stolen and they refource to replace after we give them the police department. And won't lower our payment because we dont have the tv.not a way to do business. And get better customer service reps.and they I never agreed to make double payment and claim that we behind which are not. Am tried them not working with me and keep messing up my account.
Consumer complaint received 2020-04-13
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. (MD)

On XX/XX/20 and XX/XX/20 I sent two certified letters to Equifax asking for the removal of accounts and inquiries that didnt belong to me. I also asked for the original documentation to be sent to me which they never sent. I sent another letter on XX/XX/20 asking for methods of verification after I found that Equifax said they verified the inquiries but yet one of the creditors removed it after they said it was inaccurate. Another letter was sent on XX/XX/20. I have not received anything tying me to the debt or inquiries.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information.

It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2020-04-19
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: LEXISNEXIS (TX)

On XX/XX/2019 I submitted an " opt-out request '' request from LexisNexis not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.