davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (NM)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. From this account ( XXXX ACIMA DIGITAL FKA SIMP ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXXXXXX ) ( XXXXXXXX XXXX XXXX XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WA)

This account was opened and created fraudulently by my XXXX  whom was staying with me at the time, she suffers from XXXX addiction and was using my XXXX and I as a way to fund her habits, she opened a fraudulent credit account, lied about getting a settlement XXXX and buying gifts with it, and then sold the account. This collection does not belong to me and the company is constantly calling me.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXXXXXX XXXX XXXX Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} XXXX  XXXX XXXX Act # XXXX {$1600.00} XXXX XXXXXXXX XXXX XXXX Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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 2024-05-26
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????
Consumer complaint received 2023-04-13
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: Westlake Services, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-13
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. (CA)

15 U.S.C 1681s-2 ( a ) ( 1 ) The Inquiries listed below are fraud and inaccurate and are not mine. I need These inquiries removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Credence Resource Management, LLC (CT)

On XX/XX/XXXX I received a letter from Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX my representative reply back to the letter. In the letter, we/I were requesting proof of verification sign documents and etc of this debt within 30 days. Which we/I have not received them and it has been over 30 days.
Consumer complaint received 2022-11-27
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. (IL)

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 XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

I paid {$260.00} to Caine & Weiner on XX/XX/21 and was advised by the customer service representative, XXXX  XXXX that processed the payment, the account would be removed from my credit reports with al l three credit bureaus and I would receive a letter after I made the payment. I have not received a letter by email as requested. So I am disputing with your company to assist me with removing the negative item off my credit reports. The payment confirmation number is XXXX.
Consumer complaint received 2023-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I have been making on time payments that I agreed with the company. However, the company continued to report late or no payments. I contact the company to resolve this matter, but they refuse to make the corrections. This matter prevents me from purchasing a home.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (SC)

My XXXX check was deposited into my direct express account from XXXX. I started noticing lot of unauthorized charges on my account from XXXX ( XXXX, XXXX XXXX, and several surnames all XXXX ), these charges where constant some of them where back to back within seconds of the other. So I contacted Direct Express about this an disputed all the charges and ask that they block them from charging my account again. Yet not only didn't they not block XXXX ( as they said they would ) but continued to let more an more unauthorized charges be taking from my account! For XXXX XXXX  I made over a dozen different disputes, in which I had to do all kinds of crazy paperwork, and I had to pay for a new card from them everytime, yet out of {$4200.00} dollars total stolen from account from this merchant only XXXX, {$4.00} charges where every refund ( why only those I never understand ). I spent hours an hours on the phone with direct express customer service trying not only did they not fix it but I could get to get this fix, anyone to give me any answer that where even the same always something completely different from the call before. This completed devastated my daughter and I, being on XXXX is strict budget but having all this money stole out of my account made it were we could pay even our essential bills! I tried everything to get direct express to resolve the problem to no avail. I finally had to just stop having my check deposited with them because all until I stopped deposited my check in direct express in XXXX  they still continued to let XXXX constantly make unauthorized charges to my account, but never refund my money back nor did even bother to block them nor did they even care! I never would have thought Social Security would choose a bank like that, much less have choose for XXXX American 's such as myself, like having our own bank take advantage of us, leaving us even more disadvantage.
Consumer complaint received 2022-11-23
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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. (PA)

I don't have a late payment on XXXX, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment
Consumer complaint received 2023-07-16
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.Gaurdian credit union 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 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

Enhanced Recovery Company is in violation of the FCRA, Frank Dodd Act and the FDPA by continuing to report a collection item that was paid in full directly to XXXX in the amount of {$690.00} on XX/XX/2017. Enhanced Recovery Company is asserting that I owe a shadow debt in excess of $ XXXX.This account is paid in full and is still reporting as an open collection on my credit bureau reports.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (NJ)

IM TRYING TO MAKE PAYMENTS FOR THE LAST TWO WEEKS BECAUSE I WAN NA FIX MY CREDIT BUT NO BODY ANSWER OR CALL ME BACK, WENT I TRY TO MAKE A PAYMENT THRU THE INTERNET THEY ASK ME FOR AN ID WICH I DONT HAVE THAT AND IM NOT ABLE TO MAKE THE PAYMENT OR DO A PAYMENT PLAN I WILL LIKE TO PAY THE DEBT OR MAKE A PAYMENT PLAN.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I received a Loan Modification Agreement during the month of XX/XX/2023 that was damaged and not legible due to the documents being delivered during a rain storm and placed in an uncovered area of my home instead of inside the storm door that is never locked or another weather protected area. I contacted Lost Mitigation several times to request another Modification Agreement and was told that another would be sent in about 12 days and the due date to return the signed documents would be adjusted, when I did not receive the documents I contacted Lost Mitigation again and again to send these documents and was told that instead of contacting them every week I was told to wait about 30 days while there was being a review ( I was told that all these calls were being recorded and I have also maintained a record of these calls if dates/times are needed ) I waited the 30 days as told and contacted Lost Mitigation again and was told that there was a review still being conducted. I did not hear anything from Lost Mitigation until XXXX when I was told by the associate that there is a new Modification Agreement being sent to me with new monthly payment amounts higher than the damaged Modification Agreement that I originally requested for my review and signature, the associate then told me that I MUST accept the terms over the phone in order for the document to be sent to me. I received the documents XX/XX/2023 which are dated XX/XX/2023 and given 30 days from the date on the documents to be returned. I have been compliant with every thing that was requested of me from filling out documents requesting assistance, explaining my situation, constantly sending the same documents over and over again because allegedly one or two of many documents were not received, I ask that someone please investigate this situation and please contact me via phone, email, postal mail. In closing I would like to say that I am a U S Army Combat Veteran XXXX XXXX XXXX / XXXX XXXX and understand following orders and instructions which is what I have done since submitting my Hardship Application, rather than assist and/or help me in this situation Lost Mitigation is making my situation more of a hardship, I could at least see on the damaged document that the monthly payment although higher than my original monthly payment would be less stressful to make financially and I ask that the Modification Agreement sent to me prior to XXXX be instated. I have more information regarding how this company has been handling my situation after applying for a hardship.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmerAssist A/R Solutions, Inc. (SC)

The company sent a threatening email to me regarding collecting a debt. The debt collector used threatening language and made it out to be my fault. In addition, they threatened to sue me. I have requested information from the company via mail which was never sent to me.
Consumer complaint received 2022-11-27
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. (TX)

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.
Consumer complaint received 2022-11-27
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. (CA)

In accordance with the Fair Credit Reporting act Account 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 an account without my written instructions.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting section 609 ( a ) ( 1 ) ( A ) your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. Unverified debt must be removed I sent all XXXX credit agencies certified letters to either produce and original contract which they could n't on debts for XXXX and XXXX. The court case : XXXX V. XXXX ruled that you can not take information off a computer source to verifying the debt. This precedent was also included in my letter.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone applied for credit at Bank of America. This was not me I do not bank with BoA. 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to my credit