davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

In XX/XX/XXXX, I received demand letters from " Fair Collections & Outsourcing, XXXX XXXX XXXX. XXXX, XXXX XXXX MD XXXX '' demanding and attempting to collect a debt to my name for the amount of {$1600.00}. I informed them in writing that this is erroneous and it is not mine. 
While overseas last year ( XXXX ), I had my phone in which I had stored all my personal information, including bank accounts, XXXX. accounts with passwords, compromised and thousands of dollars worth of charges were made by foreign entities, primarily from XXXX. I was not successful in conveying all that occurred with the above captioned entity and I began communicating with XXXX. I explained verbally the whole situation and I was assured they would earnestly try to help me. Today, XX/XX/XXXX I received a form letter by XXXX, informing me that the " debt '' remains on my record and advising to speak directly with FAIR COLLECTIONS and OUTSOURCING. My credit record, in the mean time, has gone from Exceptional to Fair. I do not know what these {$1600.00} are for and I am seeking your assistance in restoring me good name and credit.
Consumer complaint received 2024-05-03
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX  XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND XXXX.
Consumer complaint received 2023-12-16
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. (FL)

On XX/XX/2022 a Bankruptcy XXXXXXXX was filed and Dismissed, then on XXXX XXXX a XXXXXXXX Bankruptcy was Discharged. I have a letter from the United States Bankruptcy Court stating the Fair Credit Reporting Act, 6 U.S.C. 605, clearly states that they do not provide this information to credit agency.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KY)

My boyfriend XXXX XXXX XXXX opened a Shell Credit card in XXXX. I met him in XXXX. In the fall of XXXX he added me to the card as a user. He has the owner card and I have a user card. In the last couple months XXXX XXXX went on line to make his payment and found he was not the owner of the card, they had changed the card into my name. With his social security number and the rest of his information. So when we started trying to correct this they told us that we did this. Now why would I want to be owner of a high balance card at the time. Then another time we tried to get this corrected they told us that this could not happen. I have explained to them that I would not take ownership of a high balance I would have opened my own account. I also explained that I did not know him at the time. Then I was informed that his name is not on the card at all. In another time I was trying to correct I gave them my social security number and by that afternoon they had taken his off and put mine on. I refuse to give them anymore personal information. They had me fax a copy of credit cards, his birth certificate, his driver 's license and his social security card, it cost me XXXX I faxed on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX they still have not received the information. They do not have an email address or a number to text to. You can not talk to the same person twice. Please advise me what to do. Since the bill has been paid off. And he don't want to cancel as he has bad credit. I am trying to find out from credit bureau if this effects my credit. Also they suggested I put him on as a user and he would be getting credit for it also. We can't even pull up the account on line because of their mixup. HELP
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-07-11
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Collectors International, Inc. (NY)

The complaint involves the following company - Debt Collectors International , Inc. 'DCI ' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX | DebtCollectorsInternational.com Owner of company : XXXX XXXX XXXX 

On XX/XX/2023, I provided DCI with several files to collect on my behalf. Initially, I was pleased with their services and even referred them to my colleagues and furnished DCI with extra business. During our phone conversation, DCI confirmed that for XXXX of the files they can do domestication of judgment. I made it clear that I with only pay upfront the actually court filing fees not for any hourly lawyer fees. After convincing me that the actual court filing fees were upwards of {$1800.00}, they agreed to accept {$1000.00} from me via credit card and cover the remaining filing fee costs themselves from their fund. However, I have since learned that court filing fees and searches do not even come close to XXXX. In fact, they repeatedly lied about court costs of upwards of XXXX on numerous potential files. 

On XX/XX/XXXX, after asking for multiple updates and getting frustrated that nothing anticipated and promised on the phone has been happening, XXXX XXXX XXXX XXXX XXXX DCI, wrote, " If this is an issue I will simply have the attorney send you back unused costs and you can pursue this through alternative means. '' I called the attorney in NV working the case for an update, and they said they haven't filed anything yet. Perhaps something will be filed in XXXX more weeks. After hearing that nothing has been filed after they had multiple weeks of time to file. That drag was unacceptable and I confirmed that with other local attorneys who confirmed that not filing anything in that timeframe they had weeks to file is unacceptable. 

I emailed XXXX, I need to pursue this with alternative means ( as he suggested in his email the previous day ), and the attorney will refund all costs since I was misled on the phone that this process will take much quicker. The following day, XXXX sends multiple threatening emails, " I will ensure that this claim is tied up in cross litigation between our company and yourself for the next XXXX years. " we are now filing a lien against the judgment. We will not release this lien unless the invoice due for the full anticipated contingency fee is paid, that invoice is attached. You have 10 days to remit payment or we will be filing a lawsuit against you '' This has caused much emotional distress!!!! This is absolutely despicable how DCI is backstabbing their own clients who gave them business. I urge the CFPB to intercede and make it right.
Consumer complaint received 2023-12-27
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-03
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. (GA)

TransUnion continues to violate FCRA laws in reference to unauthorized, incomplete, and unverified inquiries on my credit report.I spoke with a TransUnion representative on XXXX XXXX about inquiries on my credit report that weren't authorized and was told to contact the copanies, which I did to no avail.USC 1681 Section 604 mandates that all users must have a permitted purpose under the Fair Credit Reporting Act to obtain consumer reports.TransUnion has not provided me any proof of a permissible purpose for these items, Therefore these unauthorized, unverified inquiries should have been removed after 20 days.TransUnion is in direct violation of 15 USC 1681 and I'm invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability for damages and I demand compensation for each of the violations and to DELETE these items.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is another dispute to TransUnion I am submitting a 609 dispute letter to TransUnion regarding 3 accounts transunion is in accurately reporting, TransUnion is required by the FCRA to delete this accounts. 

1. XXXX XXXX XXXX XXXX - Eviction Record Sealed from General Public that TransUnion is reporting which is a violation of my right to confidentiality. 

2. XXXX XXXX XXXX- An Illegally Re-aged Account that TransUnion , along with the creditor has illegally Re-Aged. 

3. XXXX XXXX XXXX An Account that was paid off, and is being in accurately reported as owing XXXX XXXX XXXXXXXX . 

By Federal law TransUnion has to abide by Section 609 of the FCRA and turn over all documents that they received from the creditors that ( verifies the debt as accurate ). All hidden records to be included that means records that are not disclosed. If TransUnion provides incomplete information, they are required to delete ( all 3 ) accounts, if TransUnion refuses to turn over documents by Federal law they are required to delete ( all 3 ) accounts.
Consumer complaint received 2023-12-27
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (OK)

I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (GA)

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 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 is a fraudulent account and should be removed... 
XXXX XXXX XXXX XXXX  is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

We have been trying to get a short sale approved since XX/XX/2019. We gave complete all paperwork and follow the instructions of the servicer SPS. They advised us that the XXXX came in at XXXX and we need to net 80 % of the value. We did this and the net was XXXX. We got this with a XXXX purchase price. The servicers came back and said the price was too low. This would have been our third offer, so we have asked them to give us a counteroffer and they constantly say they can not provide this to us. We have been going round and round. If you can please assist us with getting a counteroffer so we can please get this short sale approved and closed. The investor on the property is XXXX XXXX XXXX XXXX, as indenture trustee. Attention : XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Allegedly debt was for service on XX/XX/XXXX that costed {$1400.00} This was medical debt that was passed around to several debt companies. I have disputed them on my credit report when they popped up, with them being removed. Communication went silent with various debt collection companies when I advised them under the fair credit reporting act to stop contacting me, and cease all communications. This was fine until XX/XX/XXXX when Debt recovery solutions , LLC sent me a letter informing me they are attempting to collect this debt.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.