davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$3900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. The inaccurate item are still reporting on my report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FCU-XXXXXXXXXXXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-02-17
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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 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 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ACEPTANCENOW XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$550.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments or was placed as charged off on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts nor they are charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

XXXX  refi my mortgage XXXX  times and failed to disclosed there was a lien on my property. Consulted with friend that are attorneys they stated XXXX XXXX could be responsible for predatory lending. Furthermore they used XXXX XXXX, which failed to disclosed or missed the lien on the property
Consumer complaint received 2024-02-17
Product: Credit reporting 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 Account Number : XXXX Account Name : 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 2022-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

This investigation took longer than 30 days and was sent on XX/XX/2022. Experian is in violation of 15 U.S. Code 1681c-2 and was supposed to block the fraudulent accounts within 4 days once they have received my complaint. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (ME)

On XX/XX/XXXX, I entered into and signed an agreement for a COVID Loan forbearance program with Caliber Home loans. On XX/XX/XXXX, Caliber Home loans marked me late for EVERY month I was in forbearance. Each of the three major credit reporting agencies now show 's me late and not paying for over 12 months.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a late payment that was recently reported on my credit report. According to my records, the payment was made on time. However, it appears that there is an error in the reporting, and the payment was incorrectly marked as late.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (IN)

I checked my credit report and noticed there was a new collection account from MDS listed on my report and immediatly called the company and provided them with my request for information via fax as wells as vi mail. My request was for specific information pertaining to the account they indicated belonged to me. My request asked for the information authorizing the company to collect the debt from the original creditor, a copy of the agreement I signed with the original creditor, the date they acquired the debt with the original debtor as well as other pertinent information pertaining to the account they have. I sent a copy of my identification to prove who I am. In my request I demanded that if this information is not provided that they cease and desist all further collection efforts and remove every negative report they have made in regards to this account to all credit reporting agencies immediately and indefinitely. My request was for the company to comply with FCRA guidelines as well as HIPAA. The company failed to comply thus far and have only sent me a billing statement and a copy of the charges they are alleging belong to me. The information they sent does not bear any of my personal information as it relates to that on my credit report yet they have failed to remove all reporting and have sent me a bill. I have copies of every letter I sent as well as confirmation of my detailed letter/request from the USPS which shows they have received my request but have failed to comply with FCRA/HIPAA
Consumer complaint received 2018-09-25
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: CREDIT ACCEPTANCE CORPORATION (OH)

I have previously submitted a dispute due to XXXX not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through Credit Acceptance, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. Credit Acceptance sent me mail showing the account satisfied and closed. On XX/XX/2018 XXXX  reopened this paid closed account to unpaid with balance of {$160.00}. I called Credit Acceptance XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with XXXX because them had indeed sent XXXX my file for this account being paid and closed. XXXX had severally damages my credit because of their negligence and I am ready to sue them over this.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NV)

Enhanced Recovery Company LLC at XXXX XXXX XXXX XXXX, FLXXXX Has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past due balance. I dont know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX, I presume that no proof alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX XXXX ans transunion to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've disputed a few account with transunion, and ice called transunion XXXX the phone and was greeted by some rude staff that barely speak a lick of XXXX, nor do they want to process disputes, nor investigate properly, to resolve my issue, because they keep transferring me all the way to XXXX, Then they transfer to social accounts sections, instead of handling my dispute on the spot, Transunion has also re aged an old child support account, that never seems to go away, knowing that this account is past statute of limitations to XXXX reported, because of the date of first delinquency is XX/XX/XXXX, they tampered with the Date of First Delinquencies on my credit, eliminating XXXX yrs worth of delinquent information, and replacing it with date of first delinquencies from XXXX, Transunion wilfully violated the Fair credit reporting act by helping the creditor to delete information, evidence is attached, then transunion is reporting a judgement they closed a d deleted after I disputed the information, and provided proof it was a judgment, transunion purpose re inserts the judgment back on my credit report, when I gave them the judgement paperwork the second 7th time, showing them it is a judgement they sit up here and lie on the phone, saying XXXX not a judgment, but when I apply for credit, and get denied, the company that denied me sends me a letter stating it is because of a judgment from XXXX XXXX XXXX XXXX on my credit report, transunion is a deceptive company, and transunion has nothing but a bunch of con artists working up there,. I have hired an attorney to sue them with XXXX  good amount of evidence against transunion violating the fair credit reporting act laws, they have 30 days to do a proper, thorough investigation tht abides by XXXX FCRA, and Consumer Protection Plan, and remove these 2 accounts from my credit or suffer consequences in court. 

XXXX XXXX XXXX XXXX - Delete from my credit XXXX XXXX child support- delete from my credit report.
Consumer complaint received 2021-11-19
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: Kikoff Inc. (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2019-11-22
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have an issue with Mortgage Servicer Abuse. 

I have attempted for over 10 years to have my XXXX XXXX loan modified via XXXX. I have verified on several occasions that my loan is guaranteed by XXXX XXXX. XXXX misrepresented its role as investor and provided the protections offered under the National Mortgage Settlement and Consent Orders from the XXXX and Federal Reserve. 

In addition, I will be mailing packets of the information to the Dept of Justice and FHFA requesting their special agents review the harm caused by misrepresentation by XXXX and XXXX XXXXe Loans for the amount owed and ownership of the debt. I have been given no less than 6 different reasons why my loan didn't qualify for modification. None of the reasons are accurate as I worked as a Foreclosure Prevention counselor and submitted every packet as required and documented. I am submitting this request with the desire to meet with someone within your office to highlight the problems. I have spoken with some congressional staff members that I would like to sit and follow this process. Mortgage Servicer Abuse is real and harmful. Over the last 10 years, my health has suffered and unable to purchase a home due to the fraudulent foreclosure filing. 

Included in the packet is an outline of the note 's history, recorded Assignment of Mortgage history and XXXX answers. In a nutshell, each history records a different trail of ownership and investors. How is the average American to reconcile issues if the mortgage servicer continues to misrepresent information. 


I am not asking CFPB to litigate this problem. I will handle that thru filing a Wrongful Foreclosure suit soon. My concern is for the ordinary citizen that is being unjustly impacted by bad Mortgage Servicers including XXXX and Rushmore Loan Management
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. c 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 2022-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Two medical collections appeared on my credit report in 2021 ; one in XXXX for {$550.00} and another in XXXX for {$300.00}. I contacted medical data systems and requested proof of debt due to the fact that I did not recognize the charges and I havent had any medical treatment around that time. I received an email with a copy of a bill about a week after my request. I contacted the company again via phone and informed them I am unaware of the charges. I again requested for proof that was the person responsible for the debt and have yet to get a response.