davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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. (CT)

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have tried for several months to correct this matter with XXXX XXXX to no avail. XXXX XXXX reports two loan accounts on my EQUIFAX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my Equifax report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to XXXX XXXX directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.
Consumer complaint received 2021-09-28
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. (PA)

Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.
Consumer complaint received 2023-12-01
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. (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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

This alleged debt is not mine nor am I obligated to pay it. I don't care what " validation, proof, etc '' ARS has, I am not responsible for it. The fact ARS refuses to remove it, is a violation, as well as, an injury to my consumer report well being. 15 USC 1692k civil liability {$1000.00} per violation for the damages.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (TX)

I have tried for several months to correct this matter with Lending Club to no avail. Lending club reports two loan accounts on my XXXX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my XXXX report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to lending club directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

All ( 3 ) major credit bureaus : XXXX  Equifax and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on XXXX website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that XXXX was reporting a high balance of {$0.00} and transunion was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on transunion & XXXX is reporting a {$0.00} balance.. Also Transunion is reporting the open date as XX/XX/XXXX but XXXX is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX XXXX doesnt have a closed date
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBK, Inc. (KS)

The Collection Bureau of Kansas is illegally charging intrest on a XXXX Municipal Court Debt. Intrest was never included in original agreement. According to the Fair debt collection practices act that is a violation of subsection 808.

Under k.s.a. chapter 12-4119, the municipal court is allowed to contract a collection agency for no more than 33 percent of original principal which I completely agree with. I am willing to pay the principal and collections fees, but not the thousands of dollars in intrest which CBK has absolutely no authorization to collect by their contract or any Kansas law. They are currently sueing me and trying to garnish my wages.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my balance off onXX/XX/XXXXof {$22.00}, which is what I owed. I also moved into my new address and updated my address on Kohls.com. They show a balance of {$4.00} for what? The representative in the XXXX didn't know what i was talking about and his manager couldn't come on the line. This happened three time without any help. 
This negative derogatory action has affected my credit score, they inputted my address incorrectly by their office in the XXXX due to a language barrier.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

I obtained a XXXX loan through Comenity Bank. I paid as planned but struggled due to pandemic and work. I continued to pay under an agreement but was late on one payment and now they basically have my balance at what I started despite 2 years of paying. They refuse to give me a report of payments made, interest and fees. Due to that one account and their reporting my credit score dropped 200 points. They refuse to close the account and continue to accumulate interest and late fees.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc. (TX)

Creditor Information SUMMIT ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Never received any documentation in this debt. This debt continues to be unvalidated.
Consumer complaint received 2021-09-28
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 — Problem with personal statement of dispute
Company: GUARANTEED RATE INC. (FL)

I received a letter of denial from Guaranteed Rate Affinity. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. XXXX XXXX XXXX. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted XXXX and I was told to contact XXXX, XXXX and XXXX. Non of what XXXX report to Guaranteed Rate Affinity is true. I received copies of my credit report and none of what XXXX reported is on my credit report with XXXX, XXXX and XXXX.
Consumer complaint received 2021-09-28
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. (AL)

i have disputed with Experian several times by mail and online i have even called Experian XXXXThey are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX  i have my XXXX XXXX report and its not on there at all so that means Experian is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Consumer complaint received 2019-12-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MO)

Contact Experian twice XX/XX/2019 and XX/XX/2019 to remove XXXX XXXX XXXX from my credit report because it violates HIPAA laws the account number is XXXX {$1000.00} ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

This summer my card number was stolen. XXXX fraudulent charges were made before it was detected. I told the card company that I had not made any of those charges and they closed the card. 

Only XXXX of the charges were reversed. XXXX has remained on there despite me calling to file complaints at least XXXX times and also submitting online fraud form XXXX other times. Finally it was dropped off after all of that activity. 

Today I received a letter that they had completed their investigation and found that the activity is valid. Now they are rebilling the charge THAT I DID NOT MAKE again. The card was not physically present since I had it in my possession. And it was consistent with the other charges made that were reversed.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not opened any account with XXXX XXXX XXXX and there should not been any account for XXXX XXXX  opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft XXXX XXXX  NEED TO BE PERMANETLY DELETED.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

This is about XXXX or XXXX complaints I have put in of Fay Servicing. I have submitted about XXXX applications for assistance and have been denied or given the run around for over an year or more. I submitted an application XX/XX/XXXX and was told my application was not complete due to not having home owners insurance. Again, this is the XXXX or XXXX application I have sent in to loss mitigation each time I send in the requested documents. Pay stubs, death certificate of borrower, etc and mortgage placed home insurance and I attached the declaration page. This round I was informed everything was accepted except I need home owners insurance. My concern is out of the XXXX times I submitted I have submitted the same forms and I need to show copy of my personal home owners insurance. This was never ever mention in the 3 times I submitted an application. I have also attached the mortgage placed declaration page which expires in XXXX. Why now all of a sudden it's a request. I'm trying to retain my home and the fee to bring it current is now almost half of the balance of the home. Please let the record reflect that I have written numerous complaints in on Fay Servicing in regards to saving my home since XXXX. I have not been assisted in any way form or fashion. I have completed a trial payment plan and denied loan modification, but my money was collected and no approval of loan. I keep requesting for a higher authority to contact me possible from CFPB so I can provide proof of fraud from Fay servicing. I don't want to lose my home to foreclosure as I have not been assisted in XXXX years of asking for help. The mortgage company is committing fraud to homeowners. Please someone in the bureau look into the previous complaints I have sent in and contact me. I have evidence of the fraud and misleading information. I'm going to fight for my home and have it documented everywhere I can the help Ive beem seekinf for XXXX years. No one is winning, because there is no payments been made and if I was approved for a loan modification payments could have been made this year. Why is Fay Servicing not offering help? Why am I being lied too again? Why was my {$3700.00} ( may be off a few dollars ) taken by my account manger XXXX XXXX and said an exception would be made and I would been offered a loan modification. This was is XX/XX/XXXX. It has been 8 months and nothing has happened. This could been 8 months of payments. Please look into the criminal acts being done to innocent people.
Consumer complaint received 2019-02-02
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: CITIBANK, N.A. (IL)

The Home Depot- I am a victim of Identity theft and someone opened an account under my name and SS number without my authorization. I received a notice from credit bureaus regarding missed payments. I have never had an account with The Home Depot. I've made numerous if not 10 or more calls to Home Depot regarding this matter. At a later date they sent my information to a collection agency which continued to harass me and call me at all hours of the early morning. I spoke to a supervisor and told them that they needed to stop calling me as I am an elderly woman who is very ill and reported the woman who was calling me every day. I have never had a Home Depot card and stressed to them that my identity was stolen and still have not received any information regarding this account. Police report attached.