davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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: MAS FINANCIAL SERVICES, INC. (CA)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX Email : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Mas Financial Service XXXX XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A.Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/XXXX and XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX
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. (GA)

It should be known that this complaint is filed against XXXX, XXXX, and Equifax for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. Equifax report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.
Consumer complaint received 2022-12-23
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. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXXXXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 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. 

XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/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 2024-04-01
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. (NC)

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 Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with me and your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately.

Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXXXXXX XXXX XXXX and it has not been corrected. The accounts are still reporting wrong on my credit report but it is already closed. The accounts have been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file. 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (MN)

I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.
Consumer complaint received 2018-10-15
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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

PROFESSIONAL BUREAU OF COLLECTIONS, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY XXXX CREDIT REPORT. 
They are collectors for XXXX XXXX XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   XXXX that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I had a qualifying hardship in XXXX XXXX when I went out on XXXX XXXX. Since then I have fallen delinquent with the mortgage on my primary residence. I have made numerous attempts to keep the home from foreclosure. The last contact I had with the mortgage company I was told that there is a cease and desist order and they could no longer provide me with any information. That was in XXXX of XXXX. I have not received a monthly statement from them since then. I was told by the mortgage company the lawyers phone number to contact and a last name only! The phone number was a fax number and I do not know the lawyer involved nor does the mortgage company. In the meantime, the mortgage company has obtained an attorney to represent them and the bank which the loan is through. I have not been able to even try to negotiate with the mortgage company because of this cease and desist order but they wo n't provide me any additional information to investigate on my part who ordered the cease and desist order. Since then my hands have been tied to any further contact or request for information on my mortgage account. The mortgage company is moving forward with foreclosure proceedings and had an attorney file a complaint in the Superior Court of New Jersey for a motion to foreclose on my home. The attorney representing the plaintiff will not provide the information I need to even file an answer to the complaint filed in XXXX XXXX. I contacted Legal Services in XXXX XXXX and was advised to cut my losses and remain in the home until the XXXX XXXX Sherrif seizes the property. I feel that this whole ordeal is a violation of my consumer rights and I am requesting assistance to resolve this matter as soon as possible. This is an urgent complaint that needs immediate consideration. As I mentioned I am XXXX and have not been able to find suitable housing because of my fixed income and a poor credit report due to the delinquency of this loan! Please help! Thank you in advance for your cooperation in this emergency situation!
Consumer complaint received 2022-11-10
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. (AZ)

XXXX has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I received a collection alert from a credit monitoring company in XX/XX/2023 for XXXX XXXX XXXX ( who I have never purchased anything from ), or a collector that they have hired, for an electric bill in XXXX XXXXXXXX XXXX I have never lived in XXXX XXXX nor to my knowledge have I ever been there. I called the collection company, Convergent Outsourcing, in an attempt to resolve, the problem and was told to submit a dispute with the credit bureaus. After multiple disputes and some success the collection persists. I never received any kind of phone call or other kind of verification from XXXX XXXX that I was activating an account nor did I receive any notification from Convergent Outsourcing. I do not understand why the burden of proof lies upon me to say this is not my account.
Consumer complaint received 2023-04-19
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. (IL)

XXXX did not remove false and misleading information regarding XXXX XXXX XXXX XXXX XXXX causing financial harm and increasing interest rates.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion had fraudulently keep adding the phone number XXXX to my credit report and it has been used fraudulently. I do not have that number currently in use for the last three years. I had the number removed from transunion several times but they keep adding the number back on my report. Their reason was because it was from XXXX, XXXX.i had told XXXX and XXXX several times that that XXXX is not my number XXXX ; I believe the number is being used for fraud and compromising my security with transunion. I also believe someone else has access to the transunion account without me knowing
Consumer complaint received 2022-11-23
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)

This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to XXXX XXXX XXXX : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX XXXX breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Bal {$1500.00}, XXXX XXXXXXXX Acct # XXXX Bal {$1700.00}, XXXX XXXX  XXXX # XXXX. 
Inquiries XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX, 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
Consumer complaint received 2023-06-06
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (OH)

JP Morgan Chase ( Chase ) bank has a service called Credit Journey which summarizes members ' credit scores from XXXX. NOTE : my XXXX data is correct ; it is Chase that is incorrect. 

My XXXX XXXX summary is screwed up, showing the wrong person 's personal credit data, including credit card, and auto loan balances, employment, and address history. And, yes, I can identify that person due to his employment and address history. 

Some of my Tax Data is screwed up as well, with this other person 's Social Security number on my 1099-INT forms, so while I have received tax forms in the mail, I can not access these forms on the Chase website. 

This error on my Chase Private Client Form 1099-INT for my checking and savings account goes back to the form issued for the tax year XXXX. Does this mean the other person has had additional interest income reported by Chase to the IRS for XXXX, XXXX, XXXX, and now XXXX? 

I have had multiple discussions with my Chase Private Client Banker, who has escalated this twice. Both times the escalation teams have expressed great concern over the error, but they can not change my social security number in the system ; only my banker, upon my providing a photo ID and Social Security Card, in person and fix this. I have appeared in front of him twice, providing the necessary documentation. 

It was readily apparent the escalation team 's level of concern went up when I related that I had already met my banker, provided my ID and Social Security card and the condition was not fixed.