davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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. (IL)

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXXXXXX XXXX  XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : 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 THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : 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. I have never had this many phone numbers in my life please delete them they are not accurate.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2022-02-28
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. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I checked my credit report which shows delinquent on COI ( Convergent Outsourcing ) that appears to be a XXXX bill. I dont have an acct with XXXX nor have purchased a phone with them.
Consumer complaint received 2022-02-28
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. (PA)

I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (GA)

The representatives call me on my due date harassing me about payment. I tell them when I plan to pay and then they ask all kinds of personal questions about my job and what's going on why am I in the situation that I'm in. That is totally out of line. The employees at Lendmark Financial need proper training on telephone etiquette.
Consumer complaint received 2023-05-26
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX  XXXX  XX/XX/XXXX   XXXX XXXX XXXX XX/XX/
Consumer complaint received 2022-03-02
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)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

Unifin continues to contact and harass me about a debt that is not mine whatsoever, and is well past the statute of limitations ANYWAYS. This is ridiculous and one would expect a company like this to know the laws at the very least.
Consumer complaint received 2022-03-02
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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: Debt Recovery Solutions, LLC (CO)

On XX/XX/XXXX I submitted a CFPB complaint about XXXX XXXX XXXX To validate A allege debt that they say I own I sent them a debt validation Letter And they sent me back a couple of bills demanding I pay them and I dont recall any services with this company and theyre reporting the debt all my consumer report And the company admit it in their response That they acquired my medical information from XXXX  OF COLORADO, XXXX on XX/XX/XXXX and Then assign it to DEBT RECOVERY SOLUTIONS LLC All without my permission and I also sent them a cease and desist letter as well as my invoice and they fail to comply to all of my demands not only is this a HIPAA Violation Its also a violation of my CONSUMER RIGHTS and the company stated in their response That they were complying with all federal and state laws which they were not
Consumer complaint received 2022-03-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (TX)

Ally financial received notice and evidence of them calling a stranger and discussing my debt with this person. 
Ally financial refused to address their violation of the law. Ally financial continues to make threats to me when I address their criminal acts.
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (CA)

There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use XXXX party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ( Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (CA)

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XXXX 2021. The HELOC was paid off with TCF bank. Huntington bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Consumer complaint received 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (LA)

XXXX sent my mortgage company XXXX payments that shows they been cashed and only XXXX of XXXX payments has been applied to my mortgage. I have made several phones calls with my mortgage company and my issue still not resolved. 

Missing payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (TX)

THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION. 

THIS ORGANIZATION IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR FRAUDULENTLY REPORTING INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE, NOR GIVE MY CONSENT TO. PER 15 USC 1681c-2 ( a ) THIS IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY WITHOUT A PERIMISSIBLE PURPOSE, AND WITHOUT MY WRITTEN INSTRUCTION PER 1681b ( a ) ( 2 ). OBTAINING INFORMATION UNDER FALSE PRETENSES WITHOUT CONSENT IS IDENTITY THEFT PER 15 USC 1681q. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (SC)

I received a letter stating I owed {$4500.00} on a debt from XXXX XXXX. I have never owned anything from XXXXXXXX XXXX or acquired any debt from XXXX XXXX 
On XX/XX/22 I contacted Diaz & Associates regarding the alleged debt. I was informed that this debt was from something that they claim was previously on my credit report and removed. They stated the the alleged debt was from XXXX. I informed them that this must have been fraud and advised that their was a statute of limitations on the collection of debt, however he said I still owed the debt. I informed them that it was fraud and I do not owe the debt. 
Apparently this company is purchasing old alleged debt or making up debt in an attempt to collect, long after the statue of limitations on collections. Attached is the letter. Please contact them and have them remove my name and information from their system
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX ALLY  XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-02
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. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : XXXX 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 Equifax 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the XXXX credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to XXXX the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!