davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (TN)

The 3 credit reporting agencies are violating my rights as a consumer defined by the FCRA to have an accurate and precise report. The account in question is XXXX XXXX. They are all reporting a balance on this charged off/ closed account. In addition, they are all 3 reporting monthly on a debt account that has been closed and written off for approximately 6 years which has lead to undue stress and multiple denials while trying to obtain lines of credit. My credit scoring and reporting has been negatively impacted by their violation and inaccurate furnishing of information.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

On server occasions over the course of seven months The Convergent Outsourcing Company keeps falsifying information about validating a debt collection and the company falsify quoting On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf, in the amount of {$1000.00}. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. 

In writing I am strictly applying In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information the Convergent outsourcing took including but to limited to : 1. The initial written and signed contract showing I the costumer and convergent outsourcing in any agreement. 
2. The account and amount of product or services that I the consumer and convergent outsourcing agreed upon. 
3. All the detail steps showing proof of signed joint contracts from initiation to closure establishing names of parties involved in this said contract. 

According to the FCRA this should be presented within15 days completing your re-investigation. 
Also under federal law you have 30 days to complete this final delivery of your investigation. 
Being unable to provide accuracy I request this inaccurate information be removed from my consumer report immediately.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (MA)

Hello, I am writing about a student loan account that is showing potentially negative on my credit report in the original amount of {$13000.00}. My first dispute was denied, however I replied to the denial by submitting evidence that the loan is/was settled for an amount of {$2500.00}. The original debt collector was XXXX XXXX Who works with XXXX XXXX and at some point the debt was sold to a collection company called XXXX XXXX XXXX based on a letter they sent me XX/XX/23. I negotiated paying the XXXX to a settled agreement for account # XXXX in the amount of {$2500.00}. I spoke with XXXX XXXX at XXXX XXXX and have a confrontation number.
Consumer complaint received 2023-05-17
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. (IN)

I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX  I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX XXXXXXXX XX/XX/XXXX NEVER ME!, XXXX XXXXXXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT MEXXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists
Consumer complaint received 2023-05-16
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. (GA)

There are 3 inquiries on my Equifax credit report that are listed as being from XXXX XXXX  however I have never applied for credit with XXXX XXXXXXXX XXXX XXXX took over accounts from another bank that merged with another bank to form a new bank called XXXX. Unfortunately the law is very clear in this regard. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is not accurate on my report because when I applied for credit it was not with XXXX and unless XXXX can provide documentation with my signature on it applying for credit on the dates that have been listed this is not an accurate reporting of inquiries on my report. I request that unless XXXX can provide documentation dated for each inquiry for an application of credit with XXXX with my signature then the inquiries must be removed. Failure to do so both makes XXXX as well as Equifax liable for damages under FCRA laws for both willful and negligent non compliance. 

The dates of the inquiries : XX/XX/2021 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (IN)

I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX  XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX , and XXXX  XXXX none of these I ever applied for. 
Experian- XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( n.-281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I contacted Bank of America via text chat within mobile app to ask why a balance transfer due XX/XX/XXXX was not being reduced. I was told that any payment made in excess of the minimum payment due is applied to the balance with the higher interest rate. There are XXXX balance transfer offers that I took advantage of. The first, due XX/XX/XXXX, was a 0 % balance transfer offer initiated XX/XX/XXXX for {$3000.00}. The second offer was 1.99 % at end of XXXX XXXX for {$4900.00}, due XX/XX/XXXX. I asked how I could request that the next payment received, which will be XX/XX/XXXX due my bill pay schedule, be applied in FULL to the amount due XX/XX/XXXX balance. The Rep said that to be fair and consistent with all customers they could not, and would not, apply my payment to the balance that is due XX/XX/XXXX. Further in order to pay off the XX/XX/XXXX balance of {$1900.00} I would need to pay the {$3000.00} balance due XX/XX/XXXX. For a total due of {$4900.00}, in less than 2 months. The credit card has always been paid every 2 weeks so has never been late, and all payments have been in excess of the minimum balance so that I meet my obligation to pay off the balance transfer the B of A offered. Yet B of A refuses to allocate my payments as requested so that I will now be charged approx. 30 % interest on a balance transfer of {$3000.00} made XX/XX/XXXX.
Consumer complaint received 2023-05-17
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. (MI)

I've noticed an unauthorized inquiry on my report on XX/XX/2023 from XXXX ( FInance ). According to the FCRA ( Fair Credit Reporting Act ), legally these unverified and unauthorized items must be removed.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IN)

EXPERIAN HAS BEEN AWARE OF MY DISPUTE FOR 60 DAYS NOW. THEY HAVE REMOVED A XXXX XXXX INQUIRY FROM MY CREDIT REPORT AND REINSERTED THE INQUIRY ON A LATER REPORT. THEY DID NOT NOTIFY ME OF THIS INFORMATION THAT THEY WERE GOING TO DELETE THIS AND RE INSERT THE INFORMATION AT A LATER TIME. THEY HAVE ALSO RECIEVED DOCUMENTS FROM A COLLECTION COMPANY RELEASING ME FROM THE ACCOUNT THIS COLLECTION AGENCY IS XXXX XXXX COLLECTIONS. I HAVE CONTACTED THE CREDITOR DIRECTLY AND GOT A LETTER IN RESPONSE STATING THEY ARE CLOSING THE ACCOUNT BUT EXPERIAN FAILS TO REMOVE IT FROM MY CREDIT REPORT. THIS COMPANY ALSO FAILS TO REMOVE NAMES THAT I AM NOT KNOWN BY XXXX XXXX NEEDS TO BE REMOVED, THE ONLY NAME ON MY REPORT SHOULD BE XXXX XXXX XXXX. I HAVE SENT SEVERAL LETTERS ON THIS ISSUE AS WELL..
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I find it interesting and not a coincidence that Nationstar did an escrow analysis on my account AFTER I filed a complaint on XXXX. complaint # XXXX. When I checked their website before I filed the complaint on XX/XX/XXXX, it said my next escrow analysis would be XX/XX/XXXX. Before XX/XX/XXXX, it showed the next escrow analysis would be XX/XX/XXXX. So why was one completed AFTER the complaint was filed? Why did the website show the next one would be completed next year XX/XX/XXXX? I am sorry but I XXXX! 

AFTER I submitted the complaint and right after they responded, on XXXX, on XXXX they did an escrow analysis. So I do n't believe this is a coincidence but rather a result of filing a complaint against them. 

so now my payment is going up again by almost {$100.00} which again defeats the purpose of the modification, my payment is now higher then before it was modified. If I dont make the full payment then I get kicked out of the modification program and my house goes back into the Foreclosure process. How is this helping homeowners stay in their homes???? 

They cant admit they are wrong EVER and still refuse to prove that a lower interest rate was given over the phone multiple times. They have the proof in their phone recordings but refuse to provide that proof because they know they are wrong. Yes the modification paperwork was signed but again phone records should prove that this was still in question but due to the shortest timeframe ever, there was too much of a risk of losing the modification while the interest rate was still being disputed. which I was reminded of multiple times over the phone.
Consumer complaint received 2023-05-17
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. (TX)

When I investigated my updated credit report, I realized that there are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update the accounts listed below for lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
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)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2023-05-17
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. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXD XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$8800.00}
Consumer complaint received 2016-11-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I have filed a complaint on XXXX/XXXX/16 complaint # XXXX which the gave a general response. Since then I am still going back and forth with Citibank to get assistance. I have a new specialist XXXX XXXX who do n't respond to any of my questions. She sends me a weekly email that appears that all she do is change the date and resend. I was told by XXXX XXXX who was my specialist prior to XXXX that a decision should be made within 30 days ( XXXX/XXXX/16 ). We are well into XX/XX/XXXX and still no decision has been made and I ca n't get a answer of why and what is the hold up. Again we are asking for assistance because we are need of HELP. We was hit with unforeseen illness and XXXX massive storms that made us loss more that XXXX % of our income. I asking for Consumer Financial Protection Bureau to assist me with this issue with Citibank. I not trying to loose my home and I am asking for assistance to make my monthly payments more affordable. PLEASE HELP!!!!!!
Consumer complaint received 2023-05-17
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXXE ) XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$2500.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.