davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: CL Holdings LLC (TX)

These Accounts : XXXX 2.JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2018-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This bill should not have been given to me. 
This was fraudulent activity that was done, and billed to the incorrect person. 
When dealing with this before, it was removed several months ago ( {$640.00} ). 
Now, it is back on my credit report and this is stopping me from closing on a home. 
This bill does not belong to me. I am very very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time.
Consumer complaint received 2024-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (SC)

This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX XXXX AND ALSO XXXX XXXX XXXX XXXXXXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). Accounts : XXXX XXXX XXXX for {$630.00} and also another for {$600.00}. XXXX XXXX XXXX for {$6100.00}. XXXX XXXX for XXXX. I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the XXXX cancellation of a debt. certificate of indebtedness is income that must be removed. I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, I hope this letter finds you well. 

In accordance with the Fair Credit Reporting act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 section 604 A states : that a consumer reporting agency can not furnish an account without my written instructions.

15 USCS 1666B states : a credit may not a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

On XX/XX/2023 I received a letter from XXXX of my credit cards saying they closed my account due to mortgage lates. 
My score dropped to a devastating XXXX. 
Cross Country Mortgage reported my mortgage late in error for my XXXX payment. 
My home was damaged during the hurricane & my mortgage is in forbearance. 
I called Cross Country Mortgage. 
They confirmed they had made an error. 
I begged the representative to correct the problem & make sure that XXXX is not reported late in error also. 
She said I needed proof. 
Omg .... it's their mortgage! They set the forbearance! 
This has harmed me. 
My score tanked. 
Creditors are closing accounts due to their error. 
They are not helping me! 
This is so wrong!!!!!! 
My loan is XXXX XXXX verified the mortgage late. 
XXXX file XXXX XXXX XXXX insisted that I send an email to their research department which I have done. 

I have no idea how they can fix the damage they have caused. A hurricane .... now this. 
I'm trying to do everything right to bounce back. 
They simply don't care. 

Please help XXXX
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, I submitted a dispute to XXXX, XXXX, and TransUnion regarding inaccurate information on my credit report. The disputed items are as follows : Despite my submission, XXXX, XXXX, and TransUnion has not adhered to the requirements of the FCRA in their handling of my dispute. 

I'm reaching out to you today because I'm really upset with XXXX, XXXX, and TransUnion - the three main credit reporting agencies.

The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on [ date of request ].

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). 

I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Consumer complaint received 2023-09-23
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors an ive addressed this issue multiple times. none of the data listed is correct on all 3 credit files. this is illegal an caused alot of denials. please review an remove the infomation listed to correct my file asap.
Consumer complaint received 2023-11-21
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. (VA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-09-23
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. (IA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX EXPERIAN Eperian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. Upon reviewing the report provided to me, I noticed that there are errors regarding my name. The inaccuracies are as follows : Incorrect Names listed under my personal information section are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX I would like to request that these inaccuracies be promptly corrected. The correct information is as follows : Correct Name : XXXX XXXX I understand the importance of accurate reporting and how errors can impact my financial standing. Therefore, I kindly ask that you investigate this matter and make the necessary corrections as soon as possible. Please provide me with written confirmation once the changes have been made.
Consumer complaint received 2018-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2018/Cert. Mail delivery date-XX/XX/2018, XX/XX/XXXX, XXXX/Cert. Mail delivery date-XX/XX/2018, XX/XX/2018/Cert. Mail delivery date-XX/XX/2018 and XX/XX/2018/Cert. Mail delivery date-XX/XX/2018. I've sent numerous letter ( s ) to XXXX XXXX to have this account " investigated '' because I have no knowledge of this account that's why I've been requesting competent evidence bearing my signature, showing that I have or even had some contractual obligation to pay {$12000.00}. I've also notified xxxxxxxx xxxxxxx in my letters that their wilful non-compliance to follow Federal and local State laws dependent upon their response ( s ), that I may be detailing any potential issues that I see fit regarding their response to my request ( s ) will be used to file a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office and XXXX XXXX XXXX, via sent certified mail. Thus far, I have received ( 6 ) responses from xxxxxxxx xxxxxxx and none of their response ( s ) have any documentation bearing my signature to establish that I have any contractual obligation with this company for them to be trying to collect any monies they say I owe them or to be providing unverifiable and incomplete information to XXXX, for it's reporting purposes.The furnisher is providing unverifiable and incomplete information to me and to the credit bureau with bare bone jargon and itemize statements which are insufficient and not validation. This information is being reported as being verified information and this is clearly not validation but a clear violation on both parties of the law, of the furnisher and the credit bureau ( XXXX ) of the FCRA & FDCPA and local state laws. I request to have this issue investigated and if it's determined that federal and state laws has been broken i request that this account be immediately removed from my credit profile with the credit bureau ( XXXX ).
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-21
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. (TX)

Hello, On XX/XX/XXXX I submitted a request to XXXX to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX/XXXX  {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX/XXXX  {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX  120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XX/XX/XXXX** 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXX XXXX   {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late
Consumer complaint received 2018-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

I checked my credit score via XXXX  and there are two accounts in collections from XXXX XXXX XXXX. It appears the debts were send to collection to Wakefield & Associates ( XXXX XXXX XXXX, XXXX TN XXXX ) One is for {$320.00} from XX/XX/2014 and the other is for {$900.00} from XX/XX/2014. 
I never received any bills or communication from XXXX XXXX XXXX or from Wakefield & Associates. The two accounts in collections have negatively affected my credit score. I don't recall ever using XXXX XXXX XXXX for medical services and I certainly did not receive any bills or calls about any debts.

I want the accounts in collections removed from my credit record. 
Thank you.
Consumer complaint received 2023-11-21
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. (TX)

I am writing to express my continued concern and frustration regarding the inaccurate items on my credit report. Despite my previous attempts to rectify this matter, the issues persist, and it is disheartening to find that my credit file has not been appropriately updated. 

Clearly outline the inaccurate items on your credit report, including the account names, dates, and any other relevant details. 

Briefly summarize your previous attempts to address the inaccuracies, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, whether it be a thorough investigation into the inaccuracies, a correction of your credit report, or any other appropriate action. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. I am asking for your assistance to remove the inaccurate items in my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-05-11
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. (PA)

XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for Transunion is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXXXXXX XXXX XXXX', and " XXXXXXXX XXXX XXXX' which I do not recognize, The inquires that are fraud on XXXX are " XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on Transunion are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX  ''.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these fraudulent accounts ASAP.