davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-05-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Dear Experian Dispute Department Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Bank Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX/XXXX  Account Number XXXX XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reporting a couple of late payments for the months that I paid on time. I should not have any late payments with either company. I requested for the companies to be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, these accounts were deleted form my credit reports. I specifically typed in my complaint " please do not delete these accounts ''. By these accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. XXXX XXXX XXXX XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Lastly, XXXX XXXX XXXXXXXX XXXX reporting a late payment for XX/XX/XXXX. I made this payment! The payment status for this account reflects " Paid, was past due 30 days '', please change this to " Paid Satisfactorily '' Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion.
Consumer complaint received 2022-06-08
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I called XXXX, Equifax and XXXX XXXX in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/year> ) I went online to all three credit bureau websites ( XXXX, Equifax and XXXX XXXX ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!
Consumer complaint received 2023-07-23
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. (NJ)

Hello My name Is XXXX XXXX XXXX XXXX. I have a XXXX XXXX account # XXXX Date open XX/XX/2016... This account is Paid Closed. Paid As Agreed. This is incorrect This account should say Paid Closed /Paid As Agreed/ NEVERLATE. and it should reflect that on my Transunion credit report. My next step is to take legal action against Transunion. for not change the status. Thank you for any help in this serious matter.
Consumer complaint received 2017-04-07
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: North American Credit Services (FL)

I paid North American Credit Servies XXXX XXXX, TN XXXX XXXX or XXXX, {$55.00} towards account # XXXX. They sold the debt to another creditor and now tell me they have no record of the 2 transactions. My original account # XXXX and secondary account # XXXX. My payment confirmations # 's XXXX {$50.00} and # XXXX paid XX/XX/XXXX for {$5.00}. When I called to ask about the missing {$55.00} they told me to call the original hospital ( florida hospital ) for a list of payments. When I called the hospital they said they have no record. My debt was {$230.00}, I paid {$55.00} leaving {$170.00}.
Consumer complaint received 2023-02-03
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. (PA)

With XXXX XXXX XXXX XXXX credit cards, I had requested both a letter of validation and a copy of my original contracts. I never received them. Since much time has passed, I would like to have them both removed from my credit report.
Consumer complaint received 2022-06-08
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing this complaint to the CFPB in regard to a notice of dispute that I have for EQUIFAX. I want to make sure that action is taken, and a response is given regarding inaccurate accounts reported in my consumer disclosure report from EQUIFAX. I want the accounts reinvestigated, and I want any unverifiable information removed from my consumer report with EQUIFAX. I have heard from other consumers that consumer reporting agencies have a bad habit of ignoring letters and I am ensuring it reaches EQUIFAX. In the documents attached all that is circled is the inaccurate I am referring to in my letter.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have yet to receive documented confirmation or methods/procedures used to initiate these inquiries from XXXX - XX/XX/2023 ; XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023
Consumer complaint received 2021-06-19
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)

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, Equifax, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown Olcott, PLLC (AZ)

HOA sued for unpaid assessments and is garnishing wages, but the law firm collecting the debt on their behalf is not engaging in meaningful negotiation to resolve the matter. Consumer has offered a settlement, offered an alternative payment plan, and has requested a reduction in the wage garnishment. However, law firm has simply rejected settlement offers with explanation or a counter offer, or proposed an alternative payment plan, or produced proof that they filed the reduction with the court and it has been over 14 weeks. 
The amounts they are seeking to collect are in excess of the judgment, and they have not reduced the balance by payments made by the consumer to the HOA. The amount the law firm is seeking to collect in attorney fees are excessive and nearly triple the principal balance with accruing interest. The consumer has offered to pay the full amount of the principal {$740.00}, court costs {$220.00}, and over {$500.00} in attorney fees and they rejected the offer. It appears the firm wants an additional {$1200.00} in attorney fees and it is unlikely they have presented the offer to the HOA.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

On XX/XX/XXXX, SLS advised, and then XX/XX/XXXX, SLS " corrected '' a historical servicing document ( back-dating its document to XXXX ) despite not being the servicer for several years. Then, SLS refuses to provide rationale or documents, as they are not the servicer.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 I filed a bankruptcy which was dismissed on XX/XX/2020. However XXXX XXXX obtained the information and have sent it to all 3 credit bureaus. I have sent multiple letters requesting validation and asking for it to be removed. Experian continues to update the information as current when it needs to be completed removed because it was dismissed it never happened.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.
Consumer complaint received 2023-05-12
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. (NJ)

I reviewed my Consumer Reports and noticed that I had eight ( 8 ) late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : Enter Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (IL)

Before I hired my mortgage company or even of knew of XXXX XXXX XXXX, XXXX, XXXX ran my credit without my permission. Credit ran XX/XX/2021 ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XX/XX/XXXX notice attached ) Credit Plus XXXX XXXX XXXX XXXX, MD XXXX my actual lender was XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by XXXX. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to XXXX legally having permission to a much higher credit score.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector XXXX XXXX is not licensed in the state of Florida to collect on this debt. Secondly, XXXX XXXX violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that XXXX XXXX provides me with competent evidence that I have any legal obligation to pay them. I asking that XXXX XXXX to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand XXXX XXXX immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand XXXX XXXX agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that XXXX XXXX agrees to remove my personal information from all accounts in its companies database.