davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (NY)

**Please note, debt was already disputed an d discharged, but  not due to bankruptcy, it was dismissed because I was found to not be responsible for it.   I was sent a notice from a debt collector called : ERC, to notify me that  XXXX   XXXX  hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by  XXXX   XXXX  and by   XXXX   and  XXXX  last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

A dr bill submit ted for collections from  XXXX ,  XXXX . I appealed this bill wit h   XXXX   si nce I do not owe this mone y.   XXXX   initial  response is that I owe the bill, but I have the right to appeal for further reconsideration which I did with  XXXX  on  XXXX   XXXX ,  XXXX . My reconsider was accepted and This bill is now under a reconsideration appeal with  XXXX  and until it is resolved, all collections must be halted. I notified IC that   XXXX   has accepted my reconsideration appeal and they are in process of making a determination as to whether I owe this bill. I Notified IC Systems many times about the appeal and asked them to please not file with credit bureau any negative information about this bill, until this bill is resolve d with     XXXX   as to whether I owe it. ( letter attached, sent in additio nal to all the phone calls ).  XXXX   XXXX ,  XXXX  I received a response to my many calls via letter continuing to threatening me and disregarding the fact that this bill is in reconsideration appeal wit h   XXXX  Please note what the letter states ( I have attached a copy ) : " IC Systems sends a weekly electronic file to credit reporting agencies listing debts that are unresolved and unpaid 45 days after IC began collection efforts. '' " Your dispute has been noted and information verifying the debt is attached to this letter ''. Also note that they attached a payment stub for me to pay this bill even though they have full knowledge of the appeal. I consider this letter a threat.   This company is deliberately disregarding my appeal information which was sent to them. They are threatening me with credit bureau even though at this point it is unresolved by   XXXX   as to whether I owe this bill.   I called IC on  XXXX   XXXX  to again state that this bill is under Appeal and I was told I would be faxed some information about what actions they will take, which has never been faxed.   The bill owed is {$110.00} and I am elderly o n   XXXX   .
Consumer complaint received 2024-08-22
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. (IL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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 XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX DATE : XX/XX/XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau, I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to formally request the blocking and deletion of several unauthorized accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and these accounts and inquiries were fraudulently opened or accessed without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you permanently remove the following entries. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$4600.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6500.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$9500.00} Unauthorized Inquiries XXXX. XXXX - XXXX XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
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. (PA)

XXXX asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

My story began when I was placed on a trial payment plan back in   XX/XX/XXXX   with my lender. I made all three payments on time and continued paying my mortgage until it was transferred to another lender. When I made my payment to the new lender, it was returned, and they told me I had to apply for a new modification and then they could accept my payments. The new lender gave me the run around for almost four years, and they attempted to foreclose on my home. When I inquired about my mortgage payments that I had made from   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX , th ey attempted to foreclose on my house, and my attorney advised me to sign the modification because I had no other alternatives and the banks can do what they want to do. I have an email stating these facts. I signed the modification knowing that my mortgage payments were not applied. After I had signed the modification, the lender told me that they could no longer speak to me because I was in bankruptcy. They would not discuss anything on the phone with me after that time. I have the email. I went to the state of Maryland, and an investigation was conducted, into my foreclosure case and it was discovered that my mortgage payments were not applied. I can provide those documents at CFPB request. Also, a judge in my bankruptcy filing in  XX/XX/XXXX  was provided with the trial payments, and email from  XXXX  in regards to not speaking with me after the ratification of the modification. The  Judge  allowed me to go back to paying my original mortgage until things were sorted out. My attorney disappeared, and my case was dismissed, and Fay started foreclosure proceedings on my home. This was the 5th foreclosure and keep in mind ; no other lender attempted to assist me with a modificat ion. Fay was  provided with all of this information, and yet they are now trying to foreclose for {$580000.00}. An adversary was filed  on Fay Servicing  during my  XX/XX/XXXX  bankruptcy filing, so they are aware of what is going on with my loan. I have notified the  Fay Servicing 's foreclosing attorney on many occasions to let them know that th e accounting information is incorrect, but they still push forward with foreclosure. There should be rules that foreclosing attorneys must adhere to before foreclosing on someone 's home. They should verify ownership and accounting before filing documents in the court system. If it were us as regular citizens, we could go to jail. Please investigate this company and help keep homeowners in their houses.
Consumer complaint received 2024-08-22
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/year>XXXX  I applied for a loan and the lender could not approve me because my credit score was showing " XXXX '' on his computer even though all my accounts on my report are paid on time and there isnt anything negative on my credit report against me. I logged into my XXXX XXXX app and showed him my scores on there, which were both around XXXX. I don't know why my credit score is showing up as a XXXX anytime a lendor runs it but if I look mine up it shows it correctly. What do I need to do to fix this
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2017-05-16
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. (FL)

XXXX   XXXX     2017,  My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was   XXXX    day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an   XXXX   XXXX   XXXX   so I was n't able to call right away.       XX/XX/XXXX   contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was  XXXX  days behind. The cust service woman who spoke with me told me that it would tak e 10 b usiness days for the investigation to be completed.       XX/XX/XXXX   I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would take  60+ d ays for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would s  till be 60-90 days before my credit report.
In the mean time my application for my first h  ome will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (CA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-08-22
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. (SC)

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than XXXX business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-08-22
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. (TX)

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 XXXXXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (NJ)

Dear THE BUREAUS INC 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 information : 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.

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-05-16
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. (FL)

When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out