davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is in violation of the Fair Credit Reporting Act. The agency has refused me the right to simply update my personal information dispute incomplete or inaccurate information. I have identify information in my file that is incomplete or inaccurate and Experian is refusing me of rights to update my credit report. 

Experian is causing harm and potentially exposing me to identify theft and fraud by providing information about me to people with NO valid need to know by refusing and allowing multiple addresses that l no longer reside at. 

On XX/XX/XXXX at about XXXX XXXX., I reached out to Experian to update my personal information and they refused to allow me to do so. I was shocked to see that there were a total of 28 different addresses, different phone numbers and 3 different names and multiple employers on my credit report. 

I do not currently live at any of those addresses. 
As a concerned citizen, if someone is sending mail to those addresses with my personal information can potentially expose me to identify theft. 

As of XX/XX/XXXX, at approximately, XXXX, I attempted to notify Experian to file a report of being a victim of identity theft and they continuously refused allow me to report this information. I called at least 9 time this morning and was unsuccessful. Everytime I try to call, they hang up the phone in my face and when I finally got through and requested to speak to a supervisor, another supervisor, lied stating that the previous supervisor that I had just spoken to, had not come in yet when in fact, l had just spoken this supervisor to minutes prior. 

They never gave me the opportunity to explain before hanging up the phone. 

On XX/XX/XXXX at approximately XXXX l was contacted by my credit card company, XXXX XXXX Bank Fraud Dept : in which they informed me that an attempt was made in the amount of {$3600.00} that I did not authorize. If you would like to reach out to the credit card company who informed me about this attempted identity theft. You are more than welcome to call them at XXXX XXXX option 4 and speak to 4 and speak to supervisor XXXX XXXX XXXX. 

( XXXX ) XXXX Police Department case number is XXXX. 

( XXXX XXXX XXXX Police Department case number is XXXX - XXXX.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXXand XX/XX/XXXX Lowe's/Synchrony did not post payments to my Lowe 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX to prove those payments were made, in full and on time. Synchrony charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, Synchrony did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.
Consumer complaint received 2021-07-15
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. (MD)

Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX I put a complaint on XX/XX/2021 # XXXX Trans Union Remove the 30 day late pay from my credit report. on XX/XX/2021 Trans Union put the False and Misleading 30 day late back on my credit report that is a VIOLATION SECTION 807 YOU CAN NOT PUT SOMETHING THAT WAS REMOVE AND NOW ITS BACK MY CREDIT REPORT I AM SEEKING LITIGATION FROM THIS 30 DAY LATE PAY for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information on my credit report Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I received feedback from a XXXX agent stating that my loans may be forgiven back in 2022. After that phone conversation, I never received any status updates ; however, my loans were never forgiven. 

I worked in public service as a classroom teacher for 15 years, in high-risk schools throughout my career. My Teacher Loan Forgiveness and Public Service Loan Forgiveness applications have been rejected multiple times. This has happened even though I qualify for forgiveness. 

The school, XXXX XXXX, where my student loan debt amassed, has permanently closed ; yet I still carry a hefty student loan debt, ( with no loan forgiveness granted ).
Consumer complaint received 2023-10-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc. (TN)

Key to Recovery is constantly attempting to collect on a loan for XXXX XXXX. The only verification method used is having access to my personal information that the school had. After submitting proof that I never signed for this loan to the credit bureau, it still comes back as verified as accurate, disregarding that someone forged my name with a group of numbers. Now it is under review with the Borrower 's Defense and I will attach a copy of that in this message. XXXX XXXX did a lot of fraudulent acts at the school to collect money ad not give degrees to students.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WV)

Received disclosure notice dated XXXX/XXXX/XXXX from XXXX Mortgage. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XX/XX/XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for XXXX. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from EQUIFAX.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, XXXX and Equifax and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Albert E. Acuna, P.A. (FL)

home owner association said i had an {$8000.00} dept of pass due amounts so they collected the rent on my property ( rental value {$1500.00} ) for 2 years collecting total amount of {$29000.00}. 
this is more than XXXXtimes as much. they said lawyers fees, late fees, interest ok so they collected {$16000.00} more .i do believe this is robbery!! but ii want to move back into my home and they want to still continue to collect more money and not allow me back in my home..also they want to collect half the rent rate in the area just so they can continue to make more money from my property.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MO)

I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all XXXX credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CO)

A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Since XXXX XXXX, 2016 when my credit score was XXXX, it has dropped to XXXX as of XXXX XXXX, 2016. Equifax has taken deleted information from my credit report and re-added it. They have also taken accounts such as XXXX XXXX and duplicated the account. Equifax is looking at other credit reports and adding the information to my report. they have also added a XXXX account more than 10 years old and re-added to my account after it was off more than 3 years. They have added accounts I have disputed using the FTC Fraud statement report and re-added. I have XXXX XXXX accounts that have been deleted twice now back on my report after I submitted the XXXX for those accounts. 
Equifax has caused me hardship due to this and I have been unable to work or find housing because of their lack of reporting correct information and casing me to dispute this information each week. 
I will be contacting the Attorney General of Texas and filing a lawsuit due to these errors on their behalf. 
Please review my XXXX XXXX, 2016 report vs XXXX XXXX, 2016 and look at the clear difference. XXXX card is fraud and is more than 7 years old. The XXXX is more than 10 years old. XXXX XXXX XXXX XXXX was also re-added and is fraud. 
Equifax needs to explain how did the obtain this information, when was it added and why was it added? 

Why do I have to continue to fight with them? I have attached all the disputes and which ones was deleted by Equifax. I have attached the company and person who used my XXXX XXXX account as fraud.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Equifax has failed to report my credit worthiness accurately. Despite having well over XXXX purportedly valid collection accounts removed through persistence and due to gross billing errors, and fraudulent accounts that did not belong to me, and notably having XXXX positive accounts on reporting for over XXXX months - XXXX XXXX and XXXX - Equifax fails to update my score. They make a claim that they have updated my score each time I submit a dispute, but what all they have done is increased my score by few points ranging from XXXX to at most XXXX points and then subsequently ( almost immediately ) decreasing my score by the same amount or more. Because they keep making a claim that they are not doing it, I have paid for the monitoring service for over XXXX months to establish a record of the same. The record is attached.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The accuracy of the information has been questioned after a number of errors in the credit report were found while reviewing the specifics. 

This letter serves as a good faith request for your team 's diligent attention and scrutiny of these errors despite concerns about the system 's dependability. 

We would greatly appreciate your quick attention to these inconsistencies. These errors are seen as a flaw in a credit history that has otherwise been meticulously and carefully maintained. 

Moreover, take into account any potential repercussions from such mistakes. If errors have been found in this credit report, it's conceivable that other customers may be dealing with the same issues. The integrity of the entire system might be in doubt ; it's not just about one person.

I bring this to your attention because it is crucial to correct these errors. These errors carry a sizable reputational risk, so it is important to take urgent action. 

We sincerely appreciate your patience and quick response.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

There are actually XXXX problems : 1 ) We 're applying for a mortgage refi and our credit was pulled to see if we qualify. I had tracked my XXXX score for months on my bank 's ( XXXX ) site, which reported a score of XXXX until this month when it reads XXXX. The scores pulled for the loan range as follows : XXXX ( XXXX ) ; Equifax ( XXXX ) ; XXXX ( XXXX ). The mortgage broker is unable to explain the discrepancy between these scores and the XXXX score my bank reports. What gives? 

2 ) I downloaded my free XXXX report ; when I tried to do the same for Equifax, part of their " security '' routine was to ask questions about accounts opened several years ago, but in such a way that I had no idea what could possibly constitute the " correct '' answers to this quiz. Because the Equifax score is critical to our loan evaluation, I need an online report from them, yet I can obtain only a snail-mail report. Presumably, I failed their " quiz. '' This leaves us high and dry. 

3 ) A new mortgage-servicing company ( XXXX ) just took over our existing mortgage. The XXXX report I received online shows they did a credit check on XX/XX/2016. I neither wanted, nor needed, nor authorized this credit check, which would not be helpful when we 're applying for a refi. What can be done about this unwanted intrusion in our financial affairs? 

Thank you.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA reported that the account was closed several months prior to when the account was paid in full. I did get behind, but did get payments caught up and continued paying more than the required minimum payment for several months before paying the account off early. USAA is reporting the account as closed several months before the account was paid in full.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XX/XX/XXXX and XX/XX/XXXX. My original mortgage servicer was XXXX XXXX and was bought out by XXXX XXXX XXXX XX/XX/XXXX. Due to the recent XXXX XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX Mortgage settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Charles G. McCarthy Jr. & Assoc. (FL)

over the past 1 year a debt collector called about a XXXX dollar fee for a medical dev ice on my husbands XXXX. I told the company to pick it up before because it did not work properly anyway. At the time the man who called cussed me out, yelled at me, threaten me. He said awful things. My husband suffered a XXXX in XX/XX/XXXX.I was taking care of him full time .With no help. I have no family. He is also a veteran and now he is XXXX. Mind you this bill was from XXXX. In XXXX when this man did this he probably called 50 times. Than after about4 months another man started calling from XXXX XXXX. He was trying to collect and said it was handed to him and he was with a law office. I told him to quit calling me. Well he did not stop. He plays the nice guy. I told him I was not paying and to sue us. I also told him my husband is almost XXXX and has a brain disorder leave us alone. He wanted the machine back but medicare paid for that i found out. Please do something for us. I have a husband ill and am XXXX.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed adverse accounts on my consumer file in XXXX, XXXX XXXX Bank, XXXX mortgage XXXX XXXX accounts I was requesting to validate that these debt belong to me but Transunion failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.