davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : Texas XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. 

I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX Financial for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. 
*TransUnion has already removed this debt from my credit file after their investigation, but Experian will not. 

Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/2020 by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, Texas XXXX XXXX in XX/XX/2020, and they could not find record of this debt either, nor could the Supervisor. 
1st dispute to XXXX  : XXXX 2nd dispute to XXXX : XXXX Phone call to XXXX  : XX/XX/2020 Phone call to XXXX  : XX/XX/2020 Violation # 2 ) Failure of Experian credit bureau to perform a proper investigation. 
I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/2020. 
1st dispute to Experian : XXXX 2nd dispute to Experian : XXXX XXXX dispute to Experian : XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. 

*See attached documents confirming my previous attempts to dispute this debt and request removal.
Consumer complaint received 2024-01-15
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)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (CA)

An account was opened on XXXX XXXX XXXX  for an auto loan by WESTLAKE FINANCIAL SVC, amount {$32000.00}. On my credit report it has me as a signer, which I was not/ did not authorize any transaction. After disputing it I reached out to the company, were a representative located the account and told me I was not associated with the account and that it should not be on my credit report. After waiting 30 days it remained on my report and I contacted the company again to requested information on the account and was told I was not authorized. They requested my SSN, and I denied giving the information.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

Dear all, I had a settlement with American Express to pay my debt in 24 months. 
I did pay the settlement in full but on my credit none of the payment have been reported. Now it is still saying that I have to pay my debt in full on my credit report when I have received a letter saying that the settlement has been paid in full and no further collection efforts will be made.
Consumer complaint received 2023-12-08
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)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, names/spelling and addresses where I have never lived. I've reached out to one company in question, which is called the XXXX XXXX. They are stating that I leased and actually lived there. However, this is inaccurate. I have been a resident at my current home since XXXX, which is where I have lived since birth along with my parents. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

Before I got detained on XX/XX/year> and held without bail at the XXXX XXXX detention center I was paying XXXX around {$30.00} a month for a lot of services which included identities that I contacted the creditors in early XX/XX/year> and reported to the credit card companies that my wallet and tablet has came up missing and somebody was using my credit cards and debit cards while I was in incarcerated I have plenty of documentation and have submitted this over and over again I submitted this to the creditors. I disputed repeatedly on XXXX and I disputed and XXXX dispute where XXXX bank had to remove their false information off of my credit report from where I was a victim of identity test and Im assuming because I proved I was in the XXXX XXXX detention center when charges were ran up and I was being charged with it being I paid for a service from XXXX. Im getting ready to cancel my service because I get locked out and cant even see my credit report or dispute anything and the ones I have disputed about XXXX months ago, I never got any type of reply back not in the mail or anything, and every time I try to log into my XXXX account it locks me out for security purposes, either way, XXXX does not live up to what they charge if you cover identity theft, and unauthorized use of someones credit, but still report the false information on your credit report, then that slandering my credit and stopping me from being able to buy vehicle or rent an apartment a lot of things I already contacted the XXXX and the financial XXXX attorney general and if the issue is not resolved I will be following a lawsuit today since Ive been home I started to pay XXXX another {$30.00} a month to monitor and for identity theft just in case it was to happen again and continue to be locked out of my account so Im asking for a refund and what XXXX to honor the refund because they definitely didnt honor protecting my identity which they were paid up at the time I got detained in XX/XX/year> and even got paid for XXXX while I was in the XXXX XXXX detention center XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Auto Finance Co (GA)

This is my second dispute in regards to Safco. In regards to the dispute that i submitted on XX/XX/2018 and Safcos response.The notice to default was Mailed on XX/XX/2018 stating that I had until XX/XX/2018 to bring my account current but, the account was closed on XX/XX/2018. How can I respond to a notice to default if the account was closed 4 days before the default date? I was informed on the account status when i first called in and explained to the company that the vehicle was in the shop. I was then informed to hold off on the payment because your company would be getting back with me and that your company would place me on do not call due to late payments until your company could figure out whats going on. In mid XXXX i followed back up with the company to see what was going on after i received a phone call from Safco in which the company called and hung up. I called back and the rep got smart with me. I then asked for the supervisor and the supervisor got smart. I then asked to be contacted by writing only because i felt like this was becoming a stressful situation. HOW CAN SAFCO SEND A DEFAULT TO CURE LETTER ON XX/XX/2018 STATING THAT I HAVE UNTIL XX/XX/2018 TO BRING THE ACCOUNT CURRENT BUT CLOSE THE ACCOUNT ON XX/XX/2018? in your company words " From conversations with customer, there was no indication that any further payments would be made to SAFCO. The decision was made to write off the account as a loss, as the account was no longer secured by the collateral and there was no hope for payment from the customer. '' Did i specifically not ask to be contacted by writing? This is something that your company assumed.
Consumer complaint received 2024-01-01
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)

Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You XXXX XXXX
Consumer complaint received 2023-09-26
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. (VA)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

My complaint is about a {$11000.00} " capitalization fee '' that I was charged for a loan modification back in XXXX, that reduced my mortgage loan interest rate from 9.0 % to 8.25 %. I contacted my mortgage company twice to have them send me my original loan documents and the modification documents, which they did send me some documents but they were minus all of the pertinent information. I eventually found my documentation from the modification, which is why I know that they charged me {$11000.00}. The reason why I think that there is something amiss about this is because they didn't send the complete documentation and their reluctance to assist a client who has been making on time payments since the modification in XXXX. 
I also just happened to read an old article from a XX/XX/XXXX " XXXX XXXX '' about a woman that was approved for a loan modification for her house and was charged a " closing fee '' of {$11000.00}, which the bank had to correct after the woman contacted your agency. I don't know if it's similar in any way, but I have no other recourse.
Consumer complaint received 2018-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (MA)

OK this is XXXX XXXX XXXX A company name XXXX XXXXXXXX has put a false and negative collection on my credit report. This has drop my credit score 29 points .. I had a XXXX score now I have a XXXX.this is false because I do not owe them anything. I never heard of them at all.. I think they brought the debt from some one because the debt is not mind I have not a clue what they are talking about.. According to the fair credit reporting act. by LAW they have to VERIFY the debt. they Have to have the ORIGINAL CONTRACT .or ME on camera signing the ORIGINAL CONTRACT .OR my IP ADDRESS opening a ORIGINAL CONTRACT .. when I request this things they got nasty with me over the phone.. SO I Request it in writing they did not respond to my request. they just Proceeded to VIOLATE the fair credit reporting act .. Now I want to SUE them AND I need your help >BECAUSE they hurt me and my score. XXXX XXXXXXXX COLLECTION AGENCIES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX they brought my information of a public record of a federal lien on me and my business Which I payed off in full.. I started RECEVING phone call and letter ever sence then..
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TX)

I have paid down debts in the past 3 months and planned to use my care credit from synchrony bank for XXXX. I have had a limit of XXXX and no late payment on any card or major increase on any cards. Synchrony took away more than half of my usage amount and dropped my credit score into the trenches of XXXX due to this. I have no notice and no alerts. Although I have opted into alerts. I called them and waited on the line for over an hour and was disconnected. The time zone I am currently in is XXXX and it had been hard to work my XXXX hour shift and continue to follow up with them. If they disconnected me in my concern they should return my call but I got nothing more than left on the line until the line disconnected.
Consumer complaint received 2023-11-08
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. (IN)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (GA)

XXXX XXXX XXXX XXXX has sent negative information to XXXX XXXX XXXX XXXX XXXX.XXXX, NC XXXX a debt that they say I owe. I have sent several letters to XXXX XXXX XXXX to prove this debt with a contract I signed to validate their claim. They have refused to do so. I am entitled a validation i.e a signed contract by me or document with my signature. This debt doesn't belong to me and has caused damage to my credit report.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (TX)

FCRA Violation : credit cards not mine XXXX  XXXX/PXXXX XXXX XXXX FCRA Violation : other loans not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2018 I disputed an account with Experian and submitted documentation showing that the account was paid in full and settled onXX/XX/2018. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX XXXX  showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waddell Serafino Geary Rechner Jenevein, PC (TX)

I was contacted on XX/XX/2022 by WADDELL SERAFINO GEARY RECHNER JENEVIN stating that they were collecting an alleged debt. I then sent them a Validation of Debt letter which was received on XXXX XXXX giving them 10 days to respond to my demands or the alleged debt would be considered invalid. They did not respond in time and then sent letters dated XX/XX/2022, XXXX days after my time frame ended. These letters claimed to " validate '' the debt however, their claims and documents they provided did not validate any debt nor link it to me, the natural man, XXXX XXXX. Their letter included fraudulent statements about the identity of the original creditor. I requested any communication from them be sent in the form of an affidavit which it was not. I also requested a contract I signed with Them to contact me, as well as the original contract of the alleged debt with my wet ink signature, which they could provide neither. They threatened me with litigation and the possibility of paying fees and other costs. Their claims have no base and are harming me and my mental health. I have lost sleep due to this issue and request this Debt Collector to cease collection activities and remove my information from all of their accounts and records. I have since sent a notice of fault with an opportunity to cure which was received XX/XX/2022 and an affidavit of non response received on XX/XX/2022. I remain in honor. The documents attached were signed and notarized as needed. Attached are the raw documents from my computer.