davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (HI)

This complaint pertains to my Experian credit report only. The information from the other credit bureaus has been removed. 
The creditor XXXX XXXX, Account # XXXX has refused to correct dates of delinquency or inclusion dates under the Chapter XXXX that I filed on XXXX/XXXX/XXXX. Instead they keep using the date XXXX XXXX. The date XXXX uses on my credit report of XXXX XXXX is causing the negative information to remain on my credit report for XXXX additional years. Also archived reports from Experian show that I had delinquencies in XXXX ( which I included in my disputes ). The negative information should be removed this year. Instead it is showing that it this account will continue on record until XXXX XXXX. 
More than 7 years have passed since my filing of Chapter XXXX and original delinquencies, therefore I feel it only fair that they stop reporting the wrong negative information on my credit report ( Experian ). I have sent in many complaints to Experian only to have nothing done.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX and Experian are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. {$93000.00} this is what creditors see when I apply for credit that I have an outstanding debt of {$93000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX )
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

I asked to investigate all the fields on the act. but they come back with a verification that the balance is not reported by the the creditor. If they ca n't verify the balance is XXXX after well over 45 days they should have deleted the acct. They are slopy when they fix something they XXXX others
Consumer complaint received 2024-08-28
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. (TX)

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 XXXX XXXX XXXX. 
Account # XXXX Credit XXXX Account XXXX XXXX Chkg/Securus Inmate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 who the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ) And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. And according to the XXXX XXXX XXXX XXXX they are suppose to 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 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

Upon pulling my annual credit reports on XXXX XXXX, 2016 I became aware of a collection account that I had no knowledge of. It was a medical bill from XXXX XXXX XXXX, account # XXXX, stating that the original creditor is XXXX. 

I have lived in XXXX XXXX XXXX all my life and do n't ever recall going to XXXX XXXX for XXXX XXXX. 

This collection was reporting with all three credit reporting agencies. I did an initial dispute on XXXX XXXX, 2016 with all three credit bureaus. Within twenty days XXXX and XXXX both deleted this collection but for some reason with Experian it came back verified. 

So on XXXX/XXXX/16, I sent XXXX a debt validation letter ( see attached ) Priority mail # XXXX ( see attached ). 

And on XXXX/XXXX/16 I wrote a follow up letter to Experian ( see attached ) priority mail # XXXX ( see attached ), and as of today I still have n't received any information showing how could I possibly owe this debt. 

I was n't notified before it went on my reports and as of today I am still not being provided with any information concerning this debt which is causing me a great deal of financial stress. 

It seems XXXX and XXXX have done the right thing but Experian wants to cause me a great deal of grief.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 




Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-30
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. (CT)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is an account reported on my credit report by XXXX XXXX that I do not recognize. I have never received any statements from them for this account and it says it was " charged off or collection ''. Also, I have never received any letters from collection agencies for XXXX XXXX with this account number.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Association Capital Resources, LLC (FL)

I had an hoa payment due to my association I 've made several attempts to pay it but each time was directed in the wrong direction then they advised me they sent it to collection the collections company sent a letter XXXX month ago with no numbers to contact them got a letter yesterday and decided to go on a search for their number found it and the told me the amount I owe now is over double what I actually owed in the first place I do n't think those fees are fair considering it 's only been in collection XXXX months and they would n't work with me can you help?
Consumer complaint received 2024-08-30
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-14
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allgate Financial, LLC (MN)

I already have a case # XXXX, in their reply they said the debt had been sold. I have been trying to contact Equable Ascent Financial LLC to see why if the debt was sold is there a court date with Equable Ascent Financial LLC. I can not get ahold of anyone, the phone number I find online has been disconnected. I would like to speak with a representative from Equable.
Consumer complaint received 2015-06-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Cogent Road, Inc. (LA)

Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.
Consumer complaint received 2015-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ESCALLATE, LLC (NC)

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
Consumer complaint received 2015-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (NC)

I was advised via credit monitoring notification on XXXX/XXXX/2015 through XXXX that a Collection account was posted to my credit. I immeditly contacted them to find that Amsher Collection Services had reported a debt due to XXXX. I contacted Amsher collection for the XXXX time XXXX/XXXX/2015 to advise them I did not indeed owe XXXX. They instructed me to file a Identity Theft Affidavit and fax it over to them. On XXXX/XXXX/2015 I completed this task and disputed the account with all three credit agencies. On XXXX/XXXX/2015 I followed up and was informed they did receive my fax and would send it back to XXXX. I advised them of my dispute and they stated that it would take it 's course for removal. On XXXX/XXXX/2015 I got notification that the Collection Agency responded to my disputes that it was a valid debt. I on XXXX/XXXX/15 contacted Amsher to ask them as to how and why they did that. They stated they would send me a fraud packet. I re disputed the inaccurate information on my credit file. On XXXX/XXXX/2015 I again got notification the Collection agency responded to the Credit agency that it was a valid debt. I once again called back due to not receiving the fraud packet plus them once again responding to my dispute it was a valid debt and spoke to " XXXX '' the manager and he ensured me he would handle it and send the packet himself and handle the credit agency disputes to reflect accurate information. I have provided XXXX with the require documents as well as fraud dispute form as requested yet this invalid account still appears on all XXXX credit reports. I contacted Asmher Collection XXXX/XXXX/2015 and XXXX informed me she would do a courtesy removal and send a letter stating that.
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (VA)

XXXX XXXX XXXX sold our mortgage to Selene Finance on XXXX. We were 1month behind on payments at time. Despite our efforts we could not catch up and were being charged unexplained fees from Selene, they also mishandled our insurance payment that year. We were approved for a mortgage modification on XX/XX/XXXX, with a trial payment period of 3mths XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They put new adjusted payments in an unapplied account, then said our XX/XX/XXXX payment was returned for ins. funds-our bank statements shows it cleared. XX/XX/XXXX they sent a notice of default with intent to accelerate, said we broke the trial agreement. The payment that they reversed XX/XX/XXXX has disappeared completley-they took it. Now we are back to square 1 with them but we owe even more. Corporate advances charges keep increasing each month-they said this was for postal and inspections?
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014
Consumer complaint received 2024-10-14
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX  account number XXXX )
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I am complaining that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, of which by law, I have the right to request who they are " verifying ''. They are holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

Equifax has not request supporting information to support their reason for keeping wrongful information on my credit report. I was told by a rep over the phone that what happens is they contact the creditor and whatever that creditor says is what they report! That does not sound like a investigation. Where is the proof? Then when I asked if they got a copy of documents as proof they said they could refer me to a credit monitoring company they have that cost $ $ $ what ever and at that time they could help me further! So now I 'm thinking this is all making sense!. If you pay equifax they can show you ways to do things to correct CS that you can do yourself?! NOT.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

As part of the XXXX, this account should not be listed on my credit report, or it should be shown on my credit report as a XXXX balance. XXXX correctly shows this, but Equifax continues to publish the following incorrect information : '' Since your last update on XX/XX/XXXX, XXXX account has been added to your credit report. 
Account Type Date Opened Credit Limit Balance Reported ByXXXX Mortgage XX/XX/XXXX N/A {$190000.00} Equifax '' Also, see attached.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax is reporting information that is not my account And I am not responsible for. Its reporting XXXX XXXX XXXX system account # XXXX as my account witch is false information and did not properly verfied the account before putting it in my credit report I have the proper documents showing this belong to someone else and not me.