davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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. (NV)

have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. In XXXX a law was passed stating that medical bills and bankruptcys can not show on someone's credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under the law.
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION 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 N/A XXXX N/A XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXSOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-30
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. (CA)

This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : XXXX : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX EQUIFAX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION 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 N/A XXXX N/A XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I'm unable to get a pin number to unfreeze my credit at Experian. The website, and their automated phone service, told me to mail them documents proving my identity. I did that, I think it was around XX/XX/XXXX. But no word back from Experian. I did reach a human being on the phone at one point to ask about progress on getting me a pin, but he put me on hold and never got back to me -- I waited about 15 min. This was around XX/XX/XXXX. It's extremely difficult to get a human on the phone.
Consumer complaint received 2020-02-28
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-02-28
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. (IL)

I am in the middle of the home buying process and my lender indicated that they are not able to pull my Equifax credit report because it is being flagged for consumer fraud. When I contacted Equifax, they said they need to verify my identity and to fax over my driver 's license and social security card. They would not provide me with any information even though I have answered all of their verification questions correct. I have faxed in my information 3 times and still no response. When I call to follow up, they say there is nothing they can do for me. This is causing an extreme hardship for me and my family.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

We recently went through the process of trying to purchase a home with Rocket mortgage. Everything was going well until two days ( XX/XX/XXXX ) before our closing date XX/XX/XXXX, Rocket told us that information about our employment was not sufficient. 

We submitted the letter on XX/XX/XXXX and was fully verified on XX/XX/XXXX, but was letter approved earlier. We submitted another letter XX/XX/XXXX, upon request of Rocket, and a revised letter on XX/XX/XXXX. We were told on the XXXX the letter was insufficient. 

On XX/XX/XXXX, We asked Rocket to provide a signed letter by the end of the day ( requested in the morning ) to submit with the cancelation of the contract to receive our earnest money back. They sent the letter unsigned at XXXX XXXX. Our realtor submitted a request past XXXX XXXX  due to the tartiness of Rocket. 

We paid an extension of the contract of {$370.00} on XX/XX/XXXX. The terms of the letter were very clear about the time frame of my employment. We might also forfeit the {$1000.00} earnest money due to Rocket Mortgage unable to send a letter in a timely manner. 

Rocket Mortgage reviewed the letters and said they should be sufficient, but when reviewed by a different team they denied the letter. 

We were purchasing a house interstate, have XXXX  young children. Rocket 's process in closing is last minute, and unprofessional.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I have written to XXXX three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Consumer complaint received 2020-02-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (AZ)

This is not regarding my loan and I am not a customer with Ally. On XX/XX/XXXX a representative named XXXX at XXXX extension XXXX contacted my wife 's nephew ( XXXX XXXX ) in regards to his XXXX XXXX but she did not call my wife directly, she contacted Mr. XXXX 's step mother and left a message as this " This message is for XXXX XXXX my name is XXXX I am calling in reference to XXXX XXXX and XXXX XXXX ''. My wife 's last name is not XXXX. Back in XXXX my wife assisted our very young nephew with an extension fee payment and having a conversation with his Ally account. When my wife called and spoke with XXXX ... XXXX 's exact words were " You are left as an authorized user ''. ( Last time I checked authorized users were not for auto loans ). My wife tried to explain in detail what happened and why her name was on the account and asked for no more calls instead XXXX hung up on her. My wife called back and spoke with a supervisor who agreed to remove her number. Today I received a voicemail from the same XXXX. I'm only associated to your customer through marriage. He is not my direct relative. Not only did I receive a voicemail but this XXXX felt it was necessary to contact MY MOTHER! My mother who has absolutely ZERO association to your customer. She has only met XXXX maybe a handful of times and that is it. This is absolutely ridiculous and a violation of the consumers personal rights. I myself will be taking this a step further and hiring an attorney after the harassment that I endured. There is ZERO reason for XXXX to be contacting 3rd parties who are not associated with the loan. When I called to file the complain the rep who I had on the phone had the audacity to ask if I could have the customer call in to tell them to remove the numbers. I told per law he is to remove any numbers when asked to.
Consumer complaint received 2023-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

Received a letter from Ability Recovery Services LLC. I called and asked about the details of the debt. Spoke to XXXX XXXX, this debt doesn't belong to me but it's someone else. I asked him to mail me the information and told him that this debt is not mine & disputed it right away. He told me he will request the information & it will come as junk mail. That call was on XX/XX/XXXX lasted for 3 minutes & 19 seconds at XXXX Since he asked me to mail the information, I waited for good 10 days but nothing came in. 
I decided to make another follow up call on XX/XX/XXXX at XXXX, call lasted 6 minutes 18 seconds. When I spoke to him, He seemed frustrated and said how come you haven't received it, it was mailed etc. I informed him that this is a follow up call for the documentation, that he is claiming i used medical services. He said, I will request again. I informed him clearly this is not my debt and i am disputing this no negative action should be taken till i receive the documentation. He agreed. 

On XX/XX/XXXX they reported it to my credit. My credit was exceptional. I lost XXXX points because of Ability Recovery services LLC. It takes lot of efforts to keep your credit history clean but companies like this mess up everything. 
This is not legal, I have proof of calls and call records with date and time. Better communication, patience, providing the documentation via email I am not receiving via mail. Don't put it on XXXX or send it like junk mail.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I started disputing the inaccuracy of the public record items ( XXXX** AND XXXX** )  being reported on my credit XX/XX/XXXX. I asked TransUnion to provide me a method of verification and TransUnion responded by saying the USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then wrote the court a letter asking if they reported or validated such information to credit bureas and they responded, NO they do not report, validate or confirm bankruptcy case filings to the credit bureaus. So I then mailed that letter along with the letter TransUnion sent me saying the court validated this information and asked them to deleted and TransUnion responded by sending me a computer generated letter, which i know is STALL TACTIC, in hopes that I would give up. My credit is important to me and making sure accurate information is reported only on my credit is important. TransUnion sent a letter dated XX/XX/XXXX saying USBK Court XX/XX/XXXXMississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then mailed ANOTHER dispute letter asking them to stop validating this inaccurate information and to delete immediately. TransUnion responded to that dispute letteron XX/XX/XXXX and now is saying USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX XXXX, LA validated this information. HOW IS THAT POSSIBLE? XXXX XXXX XXXX, XXXX XXXX, LA pulls up ABOSULTELY NOTHING when XXXX  searched and WHY WOULD A COURTHOUSE BASED IN MISSISSIPPI HAVE AN ADDRESS IN LOUSIANA?. That makes NO SENSE! This is an APPARENT NEGLECT ON TRANSUNIONS BEHALF! They are literally PURPOSELY PUTTING INACCURATE INFORMATION ON MY REPORT AND I WILL NOT ALLOW THIS. DELETE THIS INFORMATION IMMEDIATELY. I am fully prepared to take legal action if not deleted immediately. I HAVE ATTACHED ALL PROOF.
Consumer complaint received 2023-02-04
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)

I received a copy of my credit report and found some information to be incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws in regard to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (PA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well 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. Im doing this on my own behalf.
Consumer complaint received 2023-02-04
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NJ)

I received bills for my coinsurance with XXXX, but I am in the XXXX XXXX XXXX ( XXXX  ) Program and can not be charged for coinsurance and copayments. I called where the other bills were coming from, and they took care of my bills and charged XXXX  for them ( since XXXX  pays my coinsurance. ) she said she would take care of the one that went to the collection agency, but I still am receiving bills from them for it.
Consumer complaint received 2019-12-04
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. (MS)

I disputed 2 public records that were appearing on my Experian credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. Experian originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several Experian dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, Experian is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX District of TN is incorrect, the case number is not a valid case number and Experian sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County Bankruptcy Clerk here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that Experian sends as a part of my re investigations, because they have used illegal practices. Please require Experian to remove the bankruptcies immediately.