davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

The original account was XXXX XXXX who wrote off this account years ago which reflected on my credit report. Jefferson Capital allegedly purchased this " account '' as a secondary collection and placed a Negative Mark and Collection on my Credit Report which I challenged. The issue is that Jefferson  is falsely stating that the debt began on XX/XX/2020 on my Derogatory Remark when in fact the account was written off years ago by XXXX. The clock can not start anew and a recent date advanced which will result in a longer period of record on the credit report. 

Jefferson Capital needs to adjust the date to the actual write off date which is years ago. By their own written admission, the collection is too old for any collection attempts.
Consumer complaint received 2023-07-14
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. (MI)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

Experian does not allow for Hard Credit Inquiries to be removed online. I have had proof from XXXX XXXX XXXX XXXX XXXX that the inquiry made with my social security number was fraudulent. For the record here, I never applied for any of their products. 
This hard inquiry goes back a year. Also noting here that I contacted XXXX three times from last year before a rep from president 's office reached out to me this spring. We don't need to be reminded how credit impacts our lives. Why not remove errors as quickly as negatives reduce our credit scores for anything? 

I had great credit until XXXX. When my credit score dropped XXXX points despite having no scars and always paying off debt with significant amounts. I have exceptional payment history according to credit reporting agencies. 
I am not sure why it takes Experian this long ( over 60 days now ) to remove this error. XXXX notified them of the fraudulent inquiry in XXXX. I take care of myself and my mother. I can not afford to have my credit exploited. 
My credit score going this low has prevented me from debt consolidation opportunity as well. I am open to investigate my debt in last 3 months with Experian since paying off more and more debt has lead to lower credit scoring.
Consumer complaint received 2023-02-15
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. (TX)

I have XXXX XXXX XXXX accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
Consumer complaint received 2023-02-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-05-31
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. (AL)

I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes and provide me who verified the information that you are reporting. Thank you. ''
Consumer complaint received 2024-02-02
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-03-20
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. (NC)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-07-14
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. (TX)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/2020 I asked for a forbearance on my mortgage with Amerihome loan company. During this time I worked diligently to work with Amerihome 's Loan Mitigation, Due to being released from military duty for an injury. I sent them all the information they required for a loan modification, bank statements, XXXX payments, letters of medical XXXX etc. I emailed them these documents around XXXX  /XXXX time frame. I waited to hear a response and during this time I received letters telling me how much I owed and items that were " supposedly missing '', even though I had the documentation to prove that I sent them everything they needed. I was then notified on XX/XX/XXXX that I was denied a modification due to missing documents and expired information. I called the company and received no help. I then had to restart the process and I faxed them the documents that was needed as well and emailed them the documents. I have now received letters telling me that I will have my credit reported on since I am behind on my mortgage. Amerihome seems to not know what they are doing and the underwriting does not inform collections about accounts that are being reviewed. please help. I am a veteran who has been told that all of this is my fault and I should have planned better.
Consumer complaint received 2020-11-10
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. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX WAY, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. 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 ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a XXXX  XXXX, and XXXX XXXX XXXX XXXX and so I have a very busy schedule. I noticed in XX/XX/2020 that certain debits and charges from my account that automatically deducts were not being paid. I contacted BOA after checking my account balances in detail about these charges on XX/XX/2020. They opened a claim and totaled it out to be over XXXX grand. I told the rep that I definitely didn't charge or purchase XXXX XXXX dollars worth of gas or items from a gas station. 

2-weeks later and after having the claim escalated my claim was denied. Reason : 1 ) Nothing about the transactions appeared unauthorized said the representative. 2 ) It was a chip card and chip cards can't be cloned. ( Due to my informing the rep that on many occasions I was unable to perform a pay at the pump transaction like I normally do when in a rush. ) 3 ) It was pin-based transactions. 4 ) If they were fraudulent they would have tried to wipe you out. Seems they didn't do that all at once. ( These were the exact words this person said to me! ) 5 ) Since I have been logging into my online account I would have noticed these charges, why did I wait. Over XXXX XXXX dollars, I asked them if they didn't see that as odd? My alerts were being sent to my spam folder so I was never alerted to any of these hundreds at a time charges. Many on the same exact day! 

My response to each of those : I never spent XXXX XXXX dollars at any gas station! Nothing in my banking history with Bank of America would suggest this. Chip cards can and are being duplicated, and skimmed I elaborated more on my attempts using my card, like normally for gas, and my card was not being accepted, or the machine telling me to pay inside. I normally just use another pump and it would work. For pin-based transactions, I would only assume that these thieves can make their own pin too, or have cameras to see my pin or zip code. I further explained that although I have been logging onto my online account there have been times I have also been locked out, even using my fingerprint. I called in a few times and was advised to clear my cache or uninstall and then re-download my app. 

I filed a police report although I don't know who did this and was told to fax over the police report. The rep at BofA didn't want to take the report number and add it to the file over the phone, again, odd. I was advised of any new information to contact them so they could add it to my investigation. I have attempted to assist this bank in all efforts to get my claim approved and closed as I did not authorize, or permit, or have any knowledge of my debit card or checking account in any capacity to be used. 

I have written to XXXX also because at this point BofA ignores me on social media and customer service just tells me the same thing with no date of resolution. At this time my rent is late, my car-note, and credit card bills are maxed because all my money has been stolen and BofA is not helping me at all.