davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed XXXX XXXX XXXX XXXX
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX Experian # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Experian XXXX XXXX XXXX # XXXX 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 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

XX/XX/XXXX noticed on our credit report a Convergent Outsourcing on behalf of XXXX XXXX past due outstanding payment of {$1400.00}. for equipment. XXXXwe moved into a community that has XXXX internet and cable services, previously we were with XXXX all our services for 21 years. XXXXI contacted Convergent regarding this collection and told it was for unreturned moblie equipment. We never received any mobile phone equipment from XXXX. XX/XX/XXXX they offered us phone service but declined because they changed our 3 phone numbers. XXXX I deactivated the 3 accounts and was given a credit for charges they added to our bundled acct. in the amt. of {$100.00} ( doc. attached ). Speaking with XXXX agent, he told me collection notices were sent to an address in XXXX, ID, which we have never lived/resided in that state. We have never recieved or accepted any XXXX XXXX equipment nor recieved any notices at our courrent address or aware of any outstanding balances owed.
Consumer complaint received 2023-08-16
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. (FL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-05-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I need the company to provide me with proof debt validation of the following accounts : XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in    2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
Consumer complaint received 2024-03-27
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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (NC)

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under XXXX  SUNBIT and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Portfolio Assets (TX)

On XX/XX/XXXX my brother contacted me and played a recorded message from a XXXX XXXX that XXXX XXXX was put down as a contact for my account and to have me contact them immediately. He also called my in laws home as well. When I called I was told I was being sued for a debt on a XXXX from XX/XX/XXXX. I said its not on my credit report. What type of card was this? All they would say is its a XXXX. I then said isnt this past the statute of limitations and at this point I was hung up on. I called back and was told clearly I do t want to pay this. I asked whats the company he works for. He said western assets. He hung up again. I Called back and he answered that he refuses to have type of dialogue with me. I have no idea what this is or what is happening other than they are calling family and telling me that Im being sued.
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (PA)

My Complaint is against Pressler and Pressler they have constantly sent me old court documents from when I went to court with them in 2013 and agreed to pay the debit off by a payment plan for which they never contacted me again until now and sent me a false subpoena asking for me to meet with them at a lawyers office to go over my assets it states if I do not appear it is an contempt of court and a warrant will be issued for my arrest. When I contacted the court to ask if this subpoena was issued by them they stated they have no record and subpoena do not come by regular mail you are physically handed it by a sheriff. Also when I first received the subpoena back in 2013 to appear in court I spoke to Pressler and Pressler and they made me to believe that the original creditor was suing me not a person that purchases debit that was charged off. I do not feel I owe XXXX anything as I never agreed to any obligation with them financially only tricked to agree to a payment plan that they never followed up on.
Consumer complaint received 2024-03-27
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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 undXXXX XXXX XXXX XXXX. 

XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX TransUnion # XXXX XXXX XXXX XXXX # XXXX 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 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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reported to the XXXX credit bureaus inconsistencies ' on my reports and noone replies. My XXXX was in charge of some of the debts on my credit and they will not remove : XXXX XXXX XXXX - was given to my XXXX to be responsible for in the XXXX XXXX XXXX  - I did NOT settle or get my car impounded so I am unsure why they are saying I owe XXXX? 
Why does XXXX show " XXXX '' accounts? 
XXXX XXXX - XXXX XXXX updated XX/XX/2022- this was paid! 
XXXX - XXXX XXXX updated XX/XX/2022 - what activity happened in XXXX? I don't have XXXX???
Consumer complaint received 2022-11-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IA)

I had a hail loss back in XXXX of XXXX. I filed a claim with my insurance company XXXX XXXX, I sent my XXXX settlement check of XXXX to them in XXXX of XXXX. Due to the extent of damages i had to get a public adjuster involved in my claim. He was able to settle the claim for over XXXX. We have received two more XXXX checks of XXXX and XXXX and submitted both of those. 

I received a packet from PHH requesting contractor contract 's, a W-9 and a XXXX waiver along with the insurance estimate ( which they have had since XX/XX/XXXX ). I have provided them the information requested by fax, email, regular mail and have made at least a dozen calls regarding the release of funds to get the work on my house done. During those calls, PHH has said the information we provided was incorrect but could not tell us what was incorrect, we resubmitted the requested information, half a dozen times. 

At one point during one of the calls, a representative told me my funds would be released in five business days. Those business days came and went and I called them again. PHH then advised they had no record of my claim. I once again resubmitted all documentation via, fax, email and mail. No response and no acknowledgement of any correspondence has ever been received from PHH. 

On XX/XX/XXXX I called them again. My contractor has replaced my roof, siding and fence and needs to be paid for the work completed. According to the PHH rep, their system is now being upgraded and he has no record of any documentation. He gave me a fax number to send the documentation in that we have already submitted four times. We have resubmitted our documentation again today, XX/XX/XXXX. 

To date PHH is sitting on my XXXX insurance proceeds of {$53000.00}. I will have another {$35000.00} of recoverable depreciation once I submit my final invoices to my insurance company. I have not been able to access one dime of my insurance proceeds and now the work is nearly done and the contractor is demanding payment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

The XXXX major consumer credit reporting agencies, XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2024-03-27
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2022-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I posted an ad for a roommate to add to my lease. One guy reached out and shared a check which has more than the rental amount. I asked him why it has more money. He said the company issued a check including rent and all the travel expenses and asked me to deposit it. and also asked me to cut the rent and wire transfer the remaining amount back. I deposited the check on XXXX. I waited until the check deposit transaction is completed in my bank 's online portal then I did a wire transfer on XXXX. Now he reverted the check I deposited and I lost {$5000.00} now. 

I called my bank XXXX XXXX and requested to take action. They said they filed a case and investigate. 

Scammer details : Name : XXXX XXXX XXXXXXXX XXXX : XXXX email : XXXX XXXX
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: Experian Information Solutions Inc. (GA)

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 # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX  # XXXX. 

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 crime 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 2023-04-24
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XXXX  Balance : {$0.00}
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX