davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (PA)

this debt was in my business name it was not a consumer debt. But they put it on my consumer credit report. I was told that once collection was paid they would delete it. They lied. Under 15 USC 1692 FDCPA it is illegal for a debt collector to lie to a consumer.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (FL)

I have contacted Equifax several times, via telephone, also faxed a letter to them informing them that I can not access my.equifax.com account. I always have my credit reports frozen, because I had ID Theft about two years ago and I have always been able to call and unfreeze them temporarily when needed. For some reason I am no longer able to do that with Equifax, I have called, and they told me to send them a letter with a copy of my SSN and my DL and copy of a bill with my name and address, stating what information I need. So I wrote them a letter as they requested and I still can not get access, every time I call them I am with them for an hour and I do everything they tell me and I still can not get access. They do not know what is wrong and I can not get access to my report to be able to see it, or unfreeze or or freeze it when I need. I don't know what else to do. I called the following number XXXX and XXXX and I also faxed a letter to them, which they confirmed as received. I hope you can help me. I need to be able to freeze and unfreeze my report and need to be able to have access to my report, in case of ID Theft.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

Come its Bank deposited my payment of {$310.00} on XX/XX/22 and never applied it to my account. Have written and spoke to several supervisors and the person not answer Im getting is it takes up to ninety days. Meanwhile they are charging me interest and late charges on the disputed amount. And the have my account in past due status because another supervisor told I dont have to pay on the disputed balance. A supervisor told me the only no to get a late charge is to pay the minimum. The {$310.00} will pay the balance off if I pay them Ill end up with a credit balance. 
Comenity Bank XXXX XXXX XXXX XXXX Oh XXXX Acct # XXXX
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

To Whom It May Concern, The reason for my dispute is Mitchell D. Bluhm & Associates , LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Mitchell D. Bluhm & Associates , LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. Mitchell D. Bluhm & Associates , LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Mitchell D. Bluhm & Associates , LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Mitchell D. Bluhm & Associates , LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-08-09
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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 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 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have found inaccurate information on my credit file by the credit reporting agency name Experian. I have disputed the inaccurate item name XXXX XXXX which Experian listed on my Experian credit report, who refuses to fix it. I have taken additional steps to remedy the problem by sending letters, disputing the account several times, mailed letters, calling and certified a letter regards to inaccuracy for the item name XXXX  XXXX that is reported on the Experian credit report. Experian sees the inaccurate information that XXXX  XXXX is reporting, but Experian credit reporting agency refused to remove and delete the inaccurate information from my credit file and credit report which are against the XXXX  rules. 

I have kindly requested, Experian to remove and delete the inaccurate information that is reported on the credit report. Experian has failed to knowledge my request. When a creditor reviews individual credit report, the identity / personal information such as name, address, telephone number and all personal information on the credit report must match. 
Which best describes your problem? 
The inaccurate item name XXXX  XXXX is listed on my Experian credit report. Does not match my identity/ personal information ; this is described as inaccurate information. Experian has listed XXXX  XXXX on my credit file which is inaccurate information and the information reported does not match to my identity/ person information and continues to report and leave XXXX  XXXX inaccurate information on my credit report. Based on credit bureaus responsibility to report only information accurate information. Experian has continued to leave inaccurate information that does not match my identity on my credit report and has failed to remove the inaccurate information from my credit file, this has negatively impacted me on many levels
Consumer complaint received 2021-02-05
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. (MI)

Creditor has corrected their records and notified me that I do not owe the balance showing for XXXX and that they would notify credit agencies to correct this fraud. That has not been done with the credit reporting agencies. I have been able to contact XXXX  and XXXX  and am in the process of amicably resolving this issue. I have not been able to contact Experian and am therefore seeking help with the CFPB. 
In XXXX of 2019, {$1100.00} in charges not made by me were assigned to my XXXX account, # XXXX. I immediately notified XXXX and after an investigation I received a letter advising that they felt I had not made these chargesand they would correct my account and notify credit agencies. I wish to submit documentation to Experian so they will XXXX  and close this acoount. I will send the orignal statement showing the charges and the account no. to which they were assigned, the letter from XXXX stating that I am not responsible ( this letter has an incorrect designation of the acoount number which in our conversation XXXX assured me they had corrected ). 

I tried calling Experian but their voice menu did not fit the problem and when I tried options available and tried to speak to a representative I could not get thru. They only tried to direct me to a web site which i couldn't open.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I am writing to you concerning an {$3600.00} escrow overage in my Wells Fargo mortgage account that they are refusing to disperse to me. I had applied for a Senior Homeowner exemption in 2020 for my local county ( XXXX, XXXX XXXX and was granted the exemption, thus resulting in the escrow overage. 
Additionally, I applied for and was granted a mortgage covid relief suspension, offered by Wells due to the ongoing pandemic. My income has suffered in 2020, by almost 45 %, and my Social Security isn't helping me cover my expenses. I've had this mortgage with them for over 10 years and have always been on time with my payments. 
So, I don't understand they will not disburse me the ooverage escrow funds. The funds were in escrow, but they are acting like my account is delinquent, which it is not. 
This is not right to treat a senior citizen this way. Please review my account and disburse me my money. 
First, I contacted Wells Fargo directly and was refused. Then I wrote to my congresswoman who received an refusal from a case specialist XXXX XXXX. Thank you for any assistance you can provide.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (AZ)

in approx. mid XX/XX/XXXX, i selected Supreme Lending. after several months of sending paperwork, forms, financials, bank statements..etc, they had no updates and no progress. each month they requested additional updated items, but still no progress. 
after several month, being first week of XX/XX/XXXX, i asked for an update and status. no reply. on XX/XX/XXXX, i did so again. with no replies. 
On XX/XX/XXXX, i asked them to haul with whatever they were doing and i was going to go another direction as i thought over 6 months with no updates or progress was ridiculous. 
i requested that they send me all of my financial, personal and business forms that we had sent them so i could start this with another group. they simply replied with No. we don't do that. 
i asked them to send the forms to me within 48 hours so i could go another route and needed the documents i had sent to them. they have never replied or sent the items. 
this firm is extremely unprofessional, very disorganized and does not know what they are looking at as far as requested financial information. they do not communicated and are procrastinators beyond my understanding. 
i hope that reporting these issues is something you can resolve and save future issues with others. i will take on the big expense of starting all over again. regards. XXXX XXXX
Consumer complaint received 2023-08-09
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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 2023-07-05
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)

In addition with the fair credit reporting act Has violated my rights. 

Account # XXXX Re Late payment 15 U.S code 1681 section 602 A states I have the right to privacy.

15 U.S code 1681 section 604 section 2 also states a consumer reporting agency can not furnish a Account without Mt written instructions.

15 U.S. code 1666B A creditor may not treat Account under open and consumer credit Late for any reason.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

A credit card company incorrectly charged me money. During the dispute the account was sold to a 3rd party. The new company will not stop billing me, and has no interest in resolving the dispute. They submit negative reports on a regular basis. I have disputed with the credit agency, who has not removed or blocked the negative reviews.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (FL)

I received a phone call on XX/XX/XXXX from Southern Management Systems , Inc. They informed me they were a debt collection agency working on behalf of XXXX  at XXXX and/or XXXX at XXXX in regards to an apartment lease agreement from XX/XX/XXXX to XX/XX/XXXX. This is an apartment complex my daughter lived in college. They claimed there was an unpaid charge for {$230.00} in damages to repaint the bedroom and bathroom and part of the common areas along with an unreturned door remote. I explained I was unaware of any charges and I had not received any notices They went further to inform me that collection notices had been going to the wrong address. I further informed her that I was a listed guarantor on the lease contract that had contained my correct address. They acknowledged having no record of providing a notice of a debt prior to XX/XX/XXXX, nearly 1 1/2 years later. The collection woman demanded immediate payment or she would file it on my credit report. I requested that she send me an invoice for my review. I was sent a collection letter dated XX/XX/XXXX of which I did not receive until XX/XX/XXXX. The Guarantee Agreement was attached that had my correct address all along. Upon receipt of the letter, I pulled my credit report to find they reported it on my credit the next day on XX/XX/XXXX. I find this to be an abusive collection tactic and these people should be investigated. This is a deceptive company that is not playing by the rules. They knowingly filed this on my credit report as leverage to collect a debt that I was not provided the ability to dispute. My daughter lived in this apartment for 2 years along with 3 other girls. The lease was renewed for a 2nd year term and therefore paint touch up of {$230.00} should be considered normal wear and tear on a {$19000.00} lease payment term. In summary, I was not provided the ability to dispute this claim until after the fact, but they still filed this on my credit report with full knowledge they had not provided an invoice.
Consumer complaint received 2019-12-05
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: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-13
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : Consumer Adjustment, XXXX XXXX XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : Self, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( XXXX ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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. (GA)

These inquiries do not belong to me. Please remove them as I did not authorize them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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. (CA)

I am hoping you can help me with a problem I'm having with the Credit Bureaus. I filed disputes with all 3 of them and have yet to received any reply from them. I did this back in XXXX how long does it take? I was told it was only 30 days its over 30 days. How do I get them to reply to me and fix my credit report?
Consumer complaint received 2021-02-05
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. (CA)

I am hoping you can help me with a problem I'm having with the Credit Bureaus. I filed disputes with all 3 of them and have yet to received any reply from them. I did this back in XXXX how long does it take? I was told it was only 30 days its over 30 days. How do I get them to reply to me and fix my credit report?