davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

On XX/XX/XXXX I sent Monterey Collections XXXX a certified letter requesting they send me any documentation bearing my signature. I asked for documents of any contract that i and or Monterey Collections XXXX  ever had and on multiple occasions they replied to my certified letters with what they feel is they proof ... my problem is they sending me an alleged contract with a signature ( I didn't do ) between myself and XXXX XXXX XXXX 
I sent certified letters expressing they reporting on my credit file ( inaccurate information and can they remove it from all XXXX reporting agencies..they responded by saying its they last time responding to my mail and I need to start paying on what I don't owe them .... I never had a verbal contract with said Collection agency, nor did I ever sign a contract with said agency that I agree to pay them anything. Please help me get this embarrassing, humiliation, derogatory error of my credit file.
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Falsified dates and amounts has been reported to ruin my credit and has blocked me for the past few years to current date from opportunity to live a normal life. I had called, disputed and wrote for corrections and burden of proof with no results. Who owes XXXX for 1month in a 1bdrm individual owned condo when rent was XXXX dated from XXXX to XXXX with late fees added owed XXXX that was Refuse when attempt to pay was made by a non-profit organization. They listed the debt as owing XXXX from XXXX? Please help me to get XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Adjusters, LLC (MO)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-08-08
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
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. (CA)

XXXX has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!
Consumer complaint received 2023-10-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

Basically I was young and made some bad choices 21 years ago and have never been able to live a happy I always get denied for a loan or auto loan I opened two business and was doing great then I had a employee steal my identity and account information and I am the one who is being punished for reporting it to the bank and they made it so I cant even run my 2 business now I am have lost my house and am about to lose my company cause I cant get a loan to help me with XXXX I traded my truck I got behind on and the car lot gave me a truck then ran my credit 30 to 40 times and then 2 weeks later said they need the vehicle back cause I was denied the loan due to past credit I am feeling like I am being denied everwhare I have tried paying things off and closing account but that doesnt help I have put over XXXX down in the last 2 months and the car lots have keep my money and not gave me a loan I want to change my identity cause this is making my life unlivable and cant get anyware with what going on this is not right
Consumer complaint received 2024-02-13
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. (CA)

Someone keeps changing my recovery login information in my Experian credit profile. Each time I call and enter my social security number to verify my identity, I get sent to an unanswered loop. I have to block my number out and not enter my social security number in order to get a live person. When I dial the number from my last credit report, I am told that the information has been corrected. Then I get an email from an old email address telling me to log in with my. name misspelled. When I go to reset the password, it is sending a code to an email address at XXXX. The first representative said that it was an experian email address that was added. The phone number recovery was changed to XXXX XXXX XXXX XXXX. Neither one of these is my contact information. I only have 2 email addresses that I would have used. My first name last name at gmail, then the one listed on this report. Then when I called to complain about it to member services, I get left on hold then someone picks up the phone and hangs it up, or I am asked questions that don't apply to me to prevent me from correcting the information. I asked for a supervisor the first time and was told that they didnt have supervisors, and then I hang up and call back to ask for a supervisor and I get transferred back to dispute department. My identity was stolen in XXXX of XXXX  and my credit took a hit due to the fact that I was locked out of all of my online accounts for over a year and a half. Now when I call experian, I get transferred, then they either hang up on me or they send me to some foreign call center, or some foreign person with dogs barking in the background, asking for my social security number and all of my identifying information, just to tell me they can't help me and send me back into the queue. Note, I have to KEEP giving them information when my identity was already stolen and utilized. Meanwhile I am getting these emails to an old email address, with my name misspelled, asking me to log in to my experian account with information that isn't valid. I have complied with all of the requirements to verify my identity, but no resolve. I will be filing a civil suit against experian and requesting a subpoena for records. I want this fixed NOW, and I want to know who is responsible for changing my information to an experian email address for the verification code. I also want a history of who accessed my personal information to log in and change it.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WV)

I file this complaint to once again request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have attached my XXXX credit report, which is dated today, XX/XX/XXXX. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX Please see page seven of the attached report. It should be noted that I filed a previous CFPB complaint against MOHELA on XX/XX/XXXX, regarding this issue. The complaint number was XXXX. That complaint is attached. By letter dated XX/XX/XXXX, MOHELA assured me that a request would be submitted to remove the comment. Over sixty days have passed since the XX/XX/XXXX, letter and yet the comment still remains. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (CA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry 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
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I am disputing 4 accounts and ( 3 ) reporting Last Payment dates that prove all 4 accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought this alledged debt from XXXX XXXX XXXX XXXX XXXX and Is reporting a Last Payment date XXXX this means that both accounts XXXX XXXX XXXX XXXX XXXX XXXX is obselete due to the Last Payment date being reporting by XXXX XXXX they have surpassed the 7 year time period and should be deleted. 


TradXXXX XXXX XXXX XXXX XXXXXXXX XXXX a Last Payment date XXXX XXXX should be deleted because it has passed the 7 year reporting period. Delete this account it is reporting as a charge off and was sold to XXXX XXXX # XXXX Trade : XXXX XXXX XXXX XXXX a last payment date XX/XX/year> and is obselete delete this account it is XXXX XXXX XXXX. 

Trade : XXXX XXXX XXXX XXXX also reporting a last payment date as XXXX XXXX XXXXXX/XX/year> and is too old as it is obselete and has surpassed the 7 year reporting period. 

If these accounts are not deleted I in advance request the Description of Procedures Used along with the name ( s ) of the person ( s ) you spoke along with their telephone number ( s ) and addresses in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA ( A ) ( 7 ).
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of
this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (CA)

My payments are set up for auto-pay for the XXXX of every month. In XX/XX/2024, they had a system glitch, but did not notify anyone. I found out after the fact, on the XXXX, they had a glitch when I sent them an email. I was told to call. On the phone, they said there was a glitch, but there was not penalty for the late payment. When reviewing the information, I discovered I was charged more in interest due to the late payment. I asked for this to be corrected which they did not do even after saying it would be reviewed ( never got a follow up to that. ) I emailed as well to the support representative that initially replied to my email about the phone call issues. I have sent several follow ups, with absolutely no response other than the auto-reply saying the message has been received. Additionally, in this process, I found out that extra payments I made were not being applied to principal, even though they were over the minimum payment, and nothing in the contract/terms state the application would go to interest.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Basically I was young and made some bad choices 21 years ago and have never been able to live a happy I always get denied for a loan or auto loan I opened two business and was doing great then I had a employee steal my identity and account information and I am the one who is being punished for reporting it to the bank and they made it so I cant even run my 2 business now I am have lost my house and am about to lose my company cause I cant get a loan to help me with XXXX I traded my truck I got behind on and the car lot gave me a truck then ran my credit XXXX to XXXX times and then XXXX weeks later said they need the vehicle back cause I was denied the loan due to past credit I am feeling like I am being denied everwhare I have tried paying things off and closing account but that doesnt help I have put over XXXX down in the last 2 months and the car lots have keep my money and not gave me a loan I want to change my identity cause this is making my life unlivable and cant get anyware with what going on this is not right
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Phillips & Cohen Associates, Ltd. (CA)

I received email and us-postal mail from Phillips & Cohen Associates , XXXX XXXX XXXX , XXXX, DE XXXX. 

They are asking to locate the Executor, Administrator, or person ( s ) authorized to act on behalf of the Estate of my brother, but they do not provide Verification of the Debt. They say " Due to federal guidelines and privacy regulations, we are only able to share our client 's details with individuals authorized to act on behalf of the Estate. Once verified through an Estate Specialist or on our website, we are able to provide full client details. '' I am afraid to respond because they do not seem to be following the Fair Debt Collection Practices Act ( FDCPA ). Also, the notice does not inform me of my rights protected by the FDCPA. Privacy Concerns seem to be Misplaced : Providing basic information about the debt shouldn't violate any privacy laws. 

I fear that they are just fishing for information and may be scammers. I am the Personal Representative of the estate and I have communicated with several collection agencies who did provide Verification of the Debt in their communication with me.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NY)

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.

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 seven 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 2024-04-25
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account 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 Balance : {$970.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX  XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00}