davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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)

XXXXXXXX XXXX XXXX Account info Account number XXXX I have my own Baclays cc and its paid on time XXXXXXXX XXXX XXXXXXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXXXXXX XXXX fl XXXX for 6 years
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IL)

I recently went to apply for a home loan and discovered in the process that Monterey Collection is saying I owe {$430.00} and its the only obstacle stopping me from getting approve.

I dont know this company or never done business with this company.Monterey Collection doesnt have any written contract with my signature or any proof that the debt belongs to me.
Consumer complaint received 2023-05-04
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. (LA)

1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX  ACCT # : 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 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 2023-02-13
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX acct no XXXX and XXXX are duplicates of each other and are on my XXXX and XXXX credit bureaus and are removed from XXXX.the hospital bill from XXXX XXXX, the original creditor is not proper as I was in XXXX XXXX at time of service.I was brought by police for a XXXX XXXX XXXX so any consent on my part was against my will/under duress as I had refused the XXXX XXXX.I would like this collection removed from my credit reports.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
Consumer complaint received 2017-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I discovered this information on my credit report. Doctors Business Bureau. Despite repeated requests to them that they show proof of this debt they refuse to remove it. The best I could do was contact the hospital in question :  XXXX  and ask about this debt. They did n't know.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-06-20
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX & XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish 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 moreover 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 2023-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I started an Investigation In XX/XX/2023 with Bank of America. They had reported a 30 days late on my three bureaus report ( XXXX, XXXX XXXX and XXXX ) for the month of XX/XX/2023. After speaking to a representative they stated that they had made an error and they would start an internal investigation. They also stated that it would take 30 business days for them to complete their investigation. This month ( XXXX ) I ran my reports and they were able to reverse the 30 day late remark for the month of XXXX but only on XXXX. I called them back today to find out what had happened and why they were still reporting the 30 days late on XXXX XXXX and XXXX. I spoke to a manager today because this is the third attempt and time I have called for answers and to complain. Today, the manager stated there was no error and the reason why XXXX might show no late payment history is because they don't report to XXXX. I called XXXX directly, and challenged this because they have always reported to XXXX, and this made no sense. I have a copy of my XXXX report from XX/XX/2023 with a late payment, and I have XXXX 's report with no late payments. There's clearly an internal miscommunication and reporting issue within Bank of America 's end. I am currently under contract with a mortgage company to close on a property this month and because of this discrepancy there's a big possibility I might not close and lose my deposit, this is causing a lot of distress for both my family and I. Can you please help to rectify this error on their part, thanks!
Consumer complaint received 2022-10-24
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 ; If XXXX and TransUnion feel there is a possibility XXXX items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Check Resolution Inc. (NV)

I have been receiving calls XXXX x a day for a year regarding a debt owned by a company ( LLC ) that I used to work for that went out of business years ago. Also, the original lender has gone out of business. National Check Resolution XXXX has been harassing my family and friends as to this debt. I have reached out to tell them to stop and they continue to harass. They also claim that they have a lien against me, offer no proof and threatened to sue me. I need them to stop! Please help.
Consumer complaint received 2023-09-20
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. (PA)

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 U.S.C 1681 XXXX  XXXX XXXX  XXXX, XXXX, equifax Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-02-13
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
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. (FL)

I requested all three credit bureaus ( XXXX, Experian, and XXXX ) to verify a bankruptcy that shows in my credit report. I asked them to verify the information with the court in two occasions XX/XX/XXXX and XX/XX/XXXX. Both times the bureaus " confirmed '' that the bankruptcy had been verified by the court. I then wrote to the court on XX/XX/XXXX asking them if it was true that they had received letters from the bureaus asking them to verify my bankruptcy. I never heard from the court. So, in XXXX of XXXX, I called the court and verbally asked them if the bureaus had sent letters of verification to them. The court clerk explained to me that the court never verifies this type of information with the bureaus. I then wrote to the bureaus on XX/XX/XXXX and again on XXXX asking them to remove the bankruptcy from my report because they never verified it with the court and in fact they lied to me when they said they did. Up to now, they have not deleted the bankruptcy. In my last correspondence to them, I warned them that I would file a complaint with this agency if they did not delete the unverified item from my credit report. I am writing to you hoping that this issue can be resolved once and for all. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), the bureaus are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. It is obvious that at least in my case, none of the bureaus verified the item and are still reporting in my credit which is affecting me tremendously because I can not re-finance my house at this time due to this issue.
Consumer complaint received 2023-05-24
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. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT 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 this item 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 2023-05-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WY)

We had a loan on our home thru Wells Fargo and we tried to refinance and was told we did not qualify. This was done and we lost our home! We later learned that we were part of 400 other clients that were denied to later learn that Wells Fargo had a glitch that resulted in us being refused a refinance. We have never been compensated for this!
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In touch XXXX XXXX  damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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.

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 2023-05-04
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late Open : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}
Consumer complaint received 2023-08-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

Previously, submitted a complaint through CFPB reference # XXXX. Results came back with creditor stating that *account has been verified and validation documents have been sent to XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX. This address is inaccurate. Address is not mine! * stating that a dispute letter had been received on XX/XX/XXXX, saying that " I believed that my vehicle had been stolen by XXXX XXXX ''. This is false because my letter clearly said " this vehicle had been stolen from me and XXXX XXXX was aware of it " I had personally called and made XXXX aware that vehicle had been stolen by XXXX XXXX I just had no clue where vehicle was at this point. But, I new that vehicle was been tracked by XXXX so it wouldn't be difficult to find it. Therefore, I have not received any validation documents nor the notice to sell the vehicle, deficiency notice, a financial transaction history of the account and a copy of the bill of sale agreement between XXXX and NCB. Accurate address was provided to NCB when dispute had been done XX/XX/XXXX. Account continues to report inaccurate stating open account status by XXXX while XXXX report Closed and 120 days late by XXXX, account status and date open also report inaccurate.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I got behind on my mortgage payments due to financial hardship and now I 'm facing an active foreclosure. I 've asked for a forbearance until my additional income comes through. Currently I 'm waiting on  XXXX  and the income I do have only covers basic living expenses. This has been my primary residence for 39 years and I do n't have anywhere else I can relocate to at this time.