davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the name XXXX XXXX XXXX requesting this block for the name of my PERSON.
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (CA)

This complaint is in regards to the original complaint XXXX RE : Attempts to collect debt not owed to XXXX XXXX and XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX and XXXX XXXX XXXX claims to collect debt not owed and have damaged the consumer 's good XXXXredit score. This company 's collection practice is illegal in California and they need to be investigated for collecting debt that never existed to begin with.
Consumer complaint received 2021-01-12
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: ENCORE CAPITAL GROUP INC. (AL)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2015-08-15
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NATIONSTAR MORTGAGE LLC (NC)

This debt was part of bankruptcy. The home was foreclosed on through bankruptcy. I had my attorney write a letter to the company they closed the account but it still shows as an account that was in non-payment for XXXX months therefore really hurting my credit, which should not be on the credit bureau 's reports as the debt never should have been applied.
Consumer complaint received 2024-01-10
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)

In XXXX  when Equifax and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge Equifax never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I hope this message finds you well. I am writing to express my concern and submit a complaint to ALLY FINANCIAL regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a XXXX  credit reporting agency, ALLY FINANCIAL will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My wife and I apparently ( according the Nationstar Mortgage ) in 2012, took care of that issue. We received a letter stating that we owed {$1100.00} in late fee, I contacted Nationstar they confirmed the amount and that i needed to pay. After an hour on hold / transfers i choose to speak to an agent in the XXXX ( their call center is in the XXXX the person would not tell me even when asked directly ) After speaking to someone in XXXX, she said, " I reviewed your account and those fees were deferred '' so the first XXXX people for Nationstar would have gladly taken my money that I DID NOT OWE. 
Lesson - DO N'T TRUST NATIONSTAR, keep ever record I 'm currently hold in get it documented!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my serious concerns regarding the persistent issue of my locked online access to my credit report, dispute process, and review of my credit profile. Despite verifying my identity multiple times and speaking with your representatives on three separate occasions, I have been consistently denied access to these crucial services without any clear explanation or reasoning provided. 

This situation is not only frustrating but also raises significant concerns regarding fairness and compliance with consumer protection laws. As an American citizen, I should be afforded the same rights and access to my credit information as the rest of the population. The inability to access my credit report online hinders my ability to monitor my credit status, dispute inaccuracies, and protect myself against potential identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to access their credit reports, dispute inaccurate information, and expect a timely resolution to such disputes. By denying me access to these services without providing a valid explanation, TransUnion may be in violation of FCRA provisions, particularly those related to consumer rights to access and dispute their credit information.

Furthermore, the Equal Credit Opportunity Act ( ECOA ) mandates that consumers must not be discriminated against in any aspect of their credit transactions. The unexplained denial of my online access raises concerns about potential non-compliance with ECOA, as it appears I am being treated unfairly compared to other consumers.

I kindly request that TransUnion promptly unlock my online access to my credit report and dispute process. Additionally, I urge you to provide a detailed explanation for the initial denial of access and ensure that such issues are prevented in the future. 

Your immediate attention to this matter is appreciated, as it significantly impacts my ability to manage and protect my financial health.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Central Credit, Inc. (CA)

A few years ago my wife and I purchased a timeshare while in XXXX XXXX. The Company is called the XXXX. We made our payments on the mortgage over the years and a few times we were late resulting in the company reaching out to us by email. They have always been able to contact us when they wanted to. They are not so good with returning emails. Over the years we have never received a coupon book for the mortgage or the maintain fees. We just continue to mail off the mortgage payment with a little extra every month. Last month, we received a notice in mail we finally paid off the mortgage with a refund. However, over the last 3-4 years we were sent over to a collection agent one in Florida and now one in California. This new one in California has attached a bad debt to my credit for these maintain fees that I know exist but the company never once reached out to me until these third party companies started adding in their extra fees. I attempted to talk with a XXXX XXXX today who was yelling at me about not paying my bills. Stating I moved without informing the company but I never lost contact with them for the mortgage payment they made sure of that.

The collect agency is : Continental Central Credit Inc.

Address : XXXX XXXX XXXX XXXX  CA XXXX Phone number : XXXX Rep : XXXX XXXX I dont mind paying the maintenance fees to the company directly but why wouldnt the XXXX  company contact me directly first. Why, would these people attach their self to my credit report when they didnt even look at it when I bought the timeshare? I feel this has some discrimination in it because we have credit reports in America allowing these companies to have some power over people while in other countries they dont these reports to granting this power. In addition, if I do owe them all this money why did they refund me from the overpaid mortgage? None of this make sense and rude collection agencies are just trying to make their cut off this.
Consumer complaint received 2023-09-20
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. (MD)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Asset Acceptance LLC garnished my wages for a XXXX XXXX XXXXXXXX Credit Card that I had in XXXX. ( Judgement ) in XXXX. They canceled the garnishment once it was paid in full. Then turned around and garnished my wages again. Now, 10 years later they are trying to garnish my wages once again. That is 3 times now for the same debt. I have all of the documents that were provided to my past employer and my current employer. The address that they put for me on all the documentation was wrong, always has been and I have never been sent any notices or invoices since the card went into default. I lived in the same house for 26 years and they never notified me of anything. They keep going and getting judgements against me and I have no way of knowing that they are getting them because no one is notifying me so that I can dispute the judgement and then they get garnishments for the same debt that has already been paid.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I enrolled in my credit card company 's auto-pay program to avoid having to worry about forgetting to make a payment. The options were " minimum payment due '', " statement balance '', and " fixed amount ''. They provided a list of definitions of the options and wrote that the minimum balance due was the amount due such that payment would not be considered late. Nowhere in the definition did they explain that although your payment would not be considered late with this option you would begin to accrue interest on the remaining balance of the card. I believe this to be an important piece of information that the company left out and a way to charge hidden fees to customers at extremely high interest rates.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 accounts 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 XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-01
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. (FL)

To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I am writing to bring to your attention certain discrepancies in the information being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). This is the second time I reported this issue to Equifax ; however, there is still inaccurate information on my credit report. Under 15 U.S.C. 1681e ( b ), when information is challenged by a consumer, a CRA must in fact investigate the accuracy of an underlying disputed debt between a consumer and a creditor as part of its statutory obligation ( XXXX ) to use " reasonable procedures to assure maximum possible accuracy of the information '' in its credit reports; and ( XXXX ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The Acct ( XXXX XXXX  Acct # XXXX ) reported on my credit profile has multiple inaccuracies such as Date Reported, Lasted Date Of Activity, and Payment History. XXXX reported Date Opened XXXX and XXXX and Equifax reported date opened XXXX. The DLA ( last date of activity ) is inconsistent meaning there's conflict that this debt could have been illegally re-aged which is an additional FCRA violations. Date Reported and Payment history are also inconsistent within all three credit bureau. If XXXX has verified the debt and did an investigative then there shouldnt be any misrepresentations being reported on my credit profile. 

Payment History XXXX listed ( NONE LISTED ) Equifax Has history reported XXXX Has History reported Last date of activity XXXXXXXX XXXX XXXX XXXX  Equifax XX/XX/XXXX Date Reported XXXXXXXX XXXX Equifax XXXX XXXX XXXX Falsified credit information can result in a lawsuit and damages resulting XXXX  {$1000.00} per error. I would like an actual investigation, proof/ copy of original contract rectifying accuracy and verifying owe debt or account deleted from my credit profile within 30 of date.By continually reporting erroneous information on my credit report, XXXX is violating Section 1681 i of the FCRA XXXX and ( XXXX ) generally alleges that XXXX failed to follow reasonable procedures to assure the maximum possible accuracy of my information.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear XXXX, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by XXXX. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that XXXX would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on XXXX 's part to effectively handle the dispute. 

Furthermore, it is evident that XXXX 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, XXXX has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge XXXX to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that XXXX upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects XXXX 's commitment to consumer rights and data accuracy. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a copy of my credit report and noticed that I had hard inquiries that I did nor request. The hard inquiries in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am a consumer that is disheartened and disgruntled. Originally I sent out a letter on XX/XX/2022 to Experian in reference to a bankruptcy being reported incorrectly on my credit profile I never received any proper verification for the reasonings why this was put on my credit profile I also sent in supporting documents from bankruptcy courts in my state, stating that no debt was validated And then put in a complaint on XX/XX/2022 still have not received any information on proper verification and sources from the company. This needs to be deleted from my profile immediately because there is no just calls nor was there any permissions or substantial evidence from any third-party as they claim to have received. This is hurting me as a consumer and falsifying information on my credit report.