davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit System on XXXX XXXX in the amount of {$1500.00}. First and foremost, I have confirmed that the debt collector, National Credit System, is not licensed in the state of Louisiana to collect on this debt. Secondly, National Credit System violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit System? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit System has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AK)

On XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) citing inaccurate credit reporting by Synchrony Bank relating to a charged-off XXXX credit card in the amount of {$2100.00}, which was continuing to be reported on my XXXX  credit report despite the company stating they had discontinued reporting in XXXX. Additionally the company refused to accept payment when contacted, stating that because the debt was discharged via IRS Form 1099, they could not accept payment. 

In the company 's response, authored by XXXX XXXX on XX/XX/XXXX, the company stated that they would forward an Universal Data Form ( AUD # XXXX ) to correct XXXX  's information. Further, Ms. XXXX stated that the company would accept payment on the debt, " ... payments may be submitted to the payment address on the billing statements you referenced even after the statute of limitations has been reached on an account. '' On XX/XX/XXXX I attempted to make payment to Synchrony, contacting their customer service line. Both the primary calltaker, and her supervisor refused to accept payment on the account. Immediately after speaking with them I contacted Ms. XXXX and left a voicemail requesting assistance. I received no callback. 

On XX/XX/XXXX, I made a full payment of {$2100.00} ( Confirmation XXXX with XXXX XXXX ) on the account using my bank 's Bill Pay system. I believed this would force Synchrony to process a payment in accordance with Ms. XXXX ' statements in the company response. 

On XX/XX/XXXX, I again attempted to contact Ms. XXXX relating to getting assistance addressing the account, now that the payment had posted, leaving another message. I again received no callback. 

On XX/XX/XXXX, after not receiving contact from Ms. XXXX I filed an appealed dispute with XXXX citing the payment and requesting Synchrony provide clarification to Experian that the account is now paid. I also requested the consumer challenge on the account be removed. On XX/XX/XXXX, I received the dispute results in which the consumer challenge remained attached, and the account was again reported as Charged-Off with derogatory impact on my credit score.

I again attempted to contact Ms. XXXX regarding the account, and received her voicemail. In the voicemail I stated this was the 3rd attempt to contact her regarding the account this month, and failure to return my call by close of business would result in a CFPB complaint filed.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave Experian 30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.
Consumer complaint received 2024-08-21
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 tried to contact Trans Union numerous times through their website and kept getting sent to an XXXX customer rep. I need to know about how I can verify my address because I only have one form of identification that they requesting and they need to. Im trying to find out another form of identification, proving or verifying my address and I cant get a hold of a customer rep and this is problematic. And on their website, theyre trying to direct me towards being a member where I have to pay money XXXX dont have
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (TN)

I applied for the mortgage with Better Mortgage XXXX, Loan Number XXXX, and received the initial estimate that has lender credits of {$2200.00}. The appraisal came back to be 5 % less than the original estimated price which is very common due to the rising of home prices and the lender wanted to restructure my loan and asked me to choose from the current pricing instead of the rate that I had locked 20 days ago.

I had sent them the Regulation Z and 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).
Consumer complaint received 2023-04-22
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. (NV)

I am a XXXX veteran and run a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX  1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX delete the Following XXXX Hard Inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Inquiry XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc. (FL)

The debt this agency was initially trying to collect was already paid for by myself and the medical insurance company prior to going into debt collections. The debt was resolved with and paid directly to the Medical Practice. 

I have initiated several disputes to remove the collection from the credit reporting bureau. MG has marked the collection as paid when it is in fact not truly a collection or even one resolved by the collector. I continue to ask them to remove from the credit bureau to no avail. 

The latest dispute has been attached along with a reply which offers false information. A statement request has been submitted to my doctors office asking and can be provided upon this bureaus request.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Continental Finance Company, LLC (NJ)

Received an alert that a XXXX card was closed. Also received a letter from them. Called to discuss why. Was told that because I stopped a payment of XXXX last month my account would remain closed until I pay of the entire balance of XXXX but I have been paying them monthly as I was supposed to.
Consumer complaint received 2021-08-25
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. (SC)

Received a credit alert from Experian this morning showing my credit score dropped from good to fair because I sold a previous home and purchased a new home and moved. Experian dropped my score 17 pts. for this. The other two credit reporting agencies, XXXX  and XXXX  report my scores as XXXX and XXXX. Both as excellent. Experian also shows an old collection amount on my credit report that was paid in full in XX/XX/2019 with the original creditor, XXXX XXXX. The collection was disputed with Experian, but never removed. It is my belief that Experian does not follow the legal consumer protection credit laws and should be investigated and possibly removed as a credit reporting company. Their data and information is obviously inaccurate and no one at Experian consumer assistant will explain anything via phone or text message. I was told to hire a credit advisor so Experian way of credit reporting could be explained to me. That is not a viable solution to a credit reporting company that publishes inaccurate credit data.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I don't owe this company.
Consumer complaint received 2021-08-25
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. (PA)

I have called as well as submitted multiple FTC reports in the past showing that I have been a victim identity theft. The fraudulent hard inquiry I am trying to have deleted is for Equifax : XXXX XXXX XX/XX/2021 They have not deleted this inquiry despite me sending in 4 rounds of disputes.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score.

After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : Equifax, XXXX & XXXX gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Waypoint Resource Group, LLC (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Receivables Performance, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I do not owe this debt collector.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 15 USC 1681. 

XXXX  XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 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 2021-08-26
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. (DE)

Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX XXXX  and Experian in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax shows all of my open accounts as last reporting/updating as of XXXX and XX/XX/2021. Even my current report, as of XX/XX/2021 shows incorrect reporting data. I've reached out to my creditors and every company informs me that they report EVERY month and have obviously reported properly. 

My report also shows an account twice from XXXX XXXX XXXX which has been in dispute for fraud as the account was opened fraudulently. I've filed a police report with the XXXX, an FTC Identity Theft Report for that. 

With this issue, Equifax is falsely providing an incorrect credit score to any potential creditor with not updating my accounts properly.
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. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

On XX/XX/2023 I, XXXX XXXX decided to check my credit reports and I notice that my total debt balance was XXXX and I immediately check why and found out that there is a collection debt of about XXXX from company " IQ data International ''. Original creditor is " XXXX at XXXX XXXXXXXX XXXX  ''. In which I have no knowledge of these companies and debt collection mention. I had to immediately locked my credits accounts. I want to say that I was a victim of Identity theft a few years back and I was able to proof it to the debt collectors and they helped me remove the delinquent balances that didn't belong to me. Today I called IQ data International explaining my situation and they told me that they are going to send me some paper work to fill out and return it back to them with the documents or evidence that I provided last time with the others debt collections that I had before. This includes my driver license, police report, and documents from the lawfirm that initially made me aware that my Identity was stolen.
Consumer complaint received 2023-04-23
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. (PR)

I did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.
Consumer complaint received 2021-08-25
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. (MI)

Checking over my report & I have noticed that the creditors & bureaus that I have constantly been contacting has not responded nor has not provided me any information in written response regarding these accounts that are inaccurate under section 609 fcra these accounts should be removed. Please review & remove these accounts from my report. I am very disappointed in the unprofessional works. 

This is slowing me down with bettering myself
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

The statement Phoenix Recovery Group sent to me is not accurate. I leased an apartment at XXXX from XX/XX/XXXX - XX/XX/XXXX. This is stated clearly on the lease. There are charges on the statement provided from the dates of XXXX. The amount Phoenix Recovery Group is attempting to collect is not accurate and is being reporting this to XXXX, XXXX, and XXXX.
Consumer complaint received 2020-10-28
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: Santander Consumer USA Holdings Inc. (SC)

I am the victim of identity theft. The FBI and the police have cleared me from what the fraudster that stole my social security number and date of birth did with those identifiers. The fraudster, XXXX XXXX, was arrested and he used my identifiers when arrested. He was given a bond with him using my info, as they thought i might be using an alias. The fraudster never showed up in the future, so the authorities chased the identifiers. I claimed i never did any of the acts the fraudster committed. The police said they hear it all the time. I demanded the police check my fingerprints. When they compared them my prints did NOT match the fraudters. I was released. The FBI said in court that anyone can claim a different name, change addresses, states, hair color and styles, but no one can change fingerprints. I was not the fraudster. Santander ignored all the facts and denied my id theft claim. Harmful and wrong.