davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The EQUIFAX AND XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IL)

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Consumer complaint received 2023-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

XXXX {$1500.00} listed 3x. Its an emergency thing. Not sure.

First, I have medical insurance. Second It is listed 3x with the same amount. It is false. 
Third, I have no idea of these charges!!!!
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (WY)

I continually receive telephone calls, emails, and letters about my deceased husband 's credit card. It was NOT my card. My husband did not have an estate as he had both a will and a living will and what assets he had were co owned with me. An affidavit of XXXX has been filed. The I was told by XXXX, whom is trying to sic these harassing folks on me, that I was not responsible. Evidently one department doesn't communicate with the others. Please stop this harassment.
Consumer complaint received 2022-11-03
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-07-13
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: EQUIFAX, INC. (CO)

Was calling around to inquire about mortage/HELOC rates, had one sales rep say he can " pre-qualify '' me without it hurting or any bad marks hitting my credit report, after the phone call my credit had an inquiry that I did not want and went down about 5-6 points. I tried calling the issuer at XXXX but says company is no longer in service, I feel like I've been taken advantage of. 
I have since frozen my credit reports to prevent any further unauthorized inquiries.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (FL)

The complaint has never been addressed by Mr. Cooper. The complaint is specifically addressing ONLY the reported missed monthly payments of {$1900.00} for the months of XXXX 2019 as reported to XXXX  and XXXX. The furnisher/ Mr. Cooper continues to report to XXXX  and XXXX  XXXX missed monthly payments of {$1900.00} for the period of XXXX 2019. This continues to be an erroneous report by Mr. Cooper, a year after the note has been satisfied. 

Mr. Cooper and/or representing Mr. Cooper Attorneys or XXXX  XXXX  never provided notice, a request or filed any motion mandating monthly payments of {$1900.00} to my Attorney XXXX XXXX or to Judge XXXX of XXXX XXXX, Florida. There was no filed motion requesting monthly payments of {$1900.00} for 2019. Nor was any statement for 2019 received, submitted or demanded a monthly payment was due for any month in 2019 in the amount of {$1900.00}. As reported to CRA 's. 

All documents provided by Mr. Cooper, were examined by Attorney XXXX XXXX, XXXX, Florida, Were examined by Mr. Cooper Attorney 's and examined by Judge XXXX of XXXX XXXX, XXXX XXXX, Florida. No such request was ever made in 2019 to make monthly payments of {$1900.00} in 2019. 

Numerous requests under FCRA 623 have been requested from Mr. Cooper and to confirm accuracy of the reported erroneous missed monthly payments of {$1900.00} for XXXX.It is the obligation of the furnisher/ Mr. Cooper to correct or remove the monthly missed payments for 2019, per FCRA. Or remove delete the tradeline of misinformation. 

623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

My request under FCRA 623 is the " accuracy of missed monthly payment of {$1900.00} for the period of XXXX 2019 '', not the validity of the debt. Two separate issues. To provide the documentation to evidence the monthly payment demand of {$1900.00} for 2019. 

This is now become willful harm, defamation and Mr. Cooper is never been able to confirm the accuracy thru any written correspondence, motion or demand of the reported missed payment for the period of XXXX 2019. Nor disclose a paper trail there was a demand for monthly payments of {$1900.00} for any month in 2019. Therefore, they are obligated by Federal FCRA guidelines to provide an " accurate history '' to a consumer 's credit bureau or delete the erroneous information from the CRA 's.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX, I was approved, ( after being targeted with an email to apply ) for a Citi XXXX XXXX Advantage Platinum Select credit card. Spending {$3500.00} in XXXX XXXX would earn XXXX XXXX XXXX miles were the terms of the offer. I accomplished that within those XXXX months and noticed that my miles were not credited to my account. 

I called Citibank and was told that because I had previously owned that type of card ( and cancelled it in XXXX of XXXX ) I was not eligible for the XXXX bonus miles. Needless to say, I was upset with this situation and felt that the email urging me to apply for the card was fraudulent in character. 

I say it was fraudulent because that email that I received urging me to apply for that card said NOTHING about my not being eligible for the bonus miles if I had previously had such a card in the past XXXX  months. If it had made that point clear I never would have applied for it. 

Simply put, I feel that I rightfully deserve those XXXX bonus miles.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am, XXXX XXXX, submitting this SECOND complaint against Equifax Information Services, LLC and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within XXXX business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : BANKRUPTCY XXXX Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Consumer complaint received 2023-11-11
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX : Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
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. (PA)

the following account was sold charged off and the account belongs another company but still being reported with check and go as account holder this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit report and violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.
Consumer complaint received 2023-08-13
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. (AL)

I have disputed inaccuracies on XXXX, Transunion, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This is the third time this company common wealth financial has placed the same debt. they are unable to provide any proof of debt, or my signature or to mail anything to my address within 30 days, I had it removed in XX/XX/XXXX by dispute it was placed back on my report in XX/XX/XXXX I had it removed XX/XX/XXXX by dispute it was placed back again XX/XX/XXXX on my report, and I have placed third dispute today. I have also seen on my report it is a medical debt, which is not possible. And by some chance it was with the provided paperwork ( which they don't supply ) florida medicad would go back and pay it. However me and all my children are covered by florida medicad and have been since XXXX for all emergency visits and all doctors appointments meaning we are charged XXXX for any and all doctor visits or emergency room visits, because I am a single mother of XXXX living well below florida guidelines of poverty for a family of XXXX. Like i.said I am very aware let 's say by some chance there was a mistake medicad would go back and pay it, of it were my actual medical debt.this is a 3rd party debt collection agency also I am well aware of it I have looked into it. And commonwealth financial was and is incapable of proving the said debt, they can not. At this point this 3rd party agency is harassing me.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

Early warning continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt
Consumer complaint received 2022-12-07
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: National Credit Systems,Inc. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late f purpose.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (IL)

During my recent review of my consumer credit file as of XX/XX/2023, I noticed that Midwest Receivable Solutions ( account # XXXX ) are furnishing inaccurate information to the following credit agencies XXXX XXXX XXXX, XXXX. The reporting of the above accounts has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 12 CFR 1006.34 Notice for validation of debts. ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information : 1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. I DID NOT RECEIVE ANY NOTICE OR INITIAL COMMUNICATION FROM Midwest Receivable Solutions PRIOR TO THIS ALLEGED DEBT BEING PARKED ON MY CONSUMER CREDIT REPORTS. Midwest Receivable Solutions has violated my consumer rights under the above stated laws.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

I have used Experian as my credit monitoring service for several years and in XX/XX/2022 I notice that Experian, XXXX, and XXXX had stop reporting my credit score through the Experian Credit application even when I was paying the premium charge to Experian every month. So, since they couldn't seem to fix the problem I down grade to the free Experian app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the Experian app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from XXXX or XXXX. I reached out to XXXX and XXXX and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from Experian Escalation service stating that they believe that my information does not add up to what XXXX or XXXX may have. I have on several occasion reported that XXXX put the correct address and XXXX as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXX protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to Experian and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX not late and was in XXXX XXXX XXXX and the information reported is false.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (IL)

The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. Equifax sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

EQUIFAX REPORT XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX-inquiry date XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX-inquiry date XXXX XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX -inquiry date XXXX XXXX XXXX XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXXXXXX XXXX  -inquiry date