davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
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. (AZ)

have no idea why my score dropped 31 points from experion score. i am in the procces of getting a refi on my home company did credit check but i know why my score droped 31 point i pay all my bills on time i know you take slight hit on your credit when company pulls up credit but not 31 points maybe 1 or 2 points down?? please re investigate credit score again and please notify about this problem
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I didn't receive a notification of any kind. Since my divorce, I have filed a change of address card with every move and my phone number is unchanged for 15 years. Midland Credit management did not make a good faith effort in contacting me.
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. 
the following items should be investigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Corporation. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have inquiries on my Transunion report that I did not authorize. They are fraudulent. I tried resolving it with Transunion but they will not remove the inquiries. Ive attached a screenshot of the listed inquiries.
Consumer complaint received 2021-01-16
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: EQUIFAX, INC. (GA)

THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX Never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following account, XXXX XXXX XXXX ACCOUNT # XXXX BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION
Consumer complaint received 2021-01-18
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. (GA)

This letter serves as an official 5th complaint for XXXX and Transunion for incorrectly reporting false public information on my credit reports with each provider. XXXX has already removed the incorrect Bankruptcy filings from my report about year ago. All 3 credit reports should have identical, correct information. This incorrect information is hendering me from obtaining necessary funding for my family and I need to survive during this XXXX Virus Pandemic. I am requesting the assistance of CFPB once again to help me get his issue resolved.
Consumer complaint received 2024-03-21
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-01-18
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. (NY)

These companies are inaccurately reporting items on my credit report that don't belong on there. I have sent letters and complaints over 45 days ago and still haven't gotten any response. Please assist me in removing these unauthorized accounts and infomtnatin from my credit report. Enclosed are photos of my ID, proof of address, social security card and the letters sent to the credit card companies that they disregard.
Consumer complaint received 2021-01-18
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: Resurgent Capital Services L.P. (TX)

At this point my FCRA rights have already been violated. I take my credit extremely seriously. Upon viewing my credit reports I noticed LVNV FUNDING LLC had a discrepancy in the " past due '', " payment history '', " date of last activity '', date of last payment '', " date opened '', " monthly terms '', " account type '', section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX XXXX however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " nothing '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. There is also " payment history '' showing for XXXX and XXXX  which is a violation if this account is supposedly a collection/charge off. XXXX  and XXXX  are also showing a " past due '' amount of {$820.00} which is also a violation since this account is again supposedly a collection/charge off. XXXX  and XXXX are also showing the " account type '' as open account. This account has been reported to collections to my understanding which means it cant reflect as an open account. This is again a violation! I also noticed XXXX  listed " monthly terms '' on my report of 1 month. To my understanding I have no secured loan or anything of the sort with this company so im not sure what " monthly terms '' they're referring to. If this is the same account, reported by the same creditor how are these numbers and dates different?
Consumer complaint received 2021-01-18
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. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-17
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: Experian Information Solutions Inc. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but Experian XXXX and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX  $ XXXX-Balance XXXX-Open date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I opened this account in 2017. I have only been late with payment once in all that time ; I had payments set up to be automatically withdrawn from my checking account. On XX/XX/XXXX {$270.00} was withdrawn from my checking account. XXXX has posted the payment but is not allowing me to use the available line of credit stating, " We are waiting 10 business days to be certain the payment clears. '' They state this is a " random '' audit. Now I can't use the card to pay bills automatically. The minimum amount due was {$35.00}. I have since changed automatic withdrawal and removed my banking information from the account as this is an unfair practice. I can't pay the bills I intended to use the card for and the money is no longer in my bank account either.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavors 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, remove 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-17
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. (NY)

XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2021-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMT Solutions, LLC. (WA)

The company PMT Solutions LLC ( Washington State License UBI XXXX ) has incorrectly tried to collect debt and fees for a disputed fine made in allegation to a XXXX Municipal Court parking ticket against a vehicle. ( WA LIC # XXXX ) In addition to the fraud that they have committed on incorrectly saying that I have a debt associated with their offices for this infraction which is currently under litigation, they have harassed me nonstop with a total of 3 mail articles, over 15 phone calls, and 2 emails about this fraudulent debt they have tried to collect which I have no association with. 

I have asked to be placed on a do not call list when they called me on XX/XX/2021. They have since called me three times. I have also publically disclosed on their XXXX business profile that they are not to contact me or my family which they have violated, and harassed us against our wishes. Their owner XXXX XXXX has led this company as a thug and she should be fined for the calls that she placed against me because they not only hurt XXXX XXXX, they also caused me extreme XXXX which I have sought counseling and counsel for. Her practices as an owner here in Washington state should not be stood for and her license to do business here should be revoked. 

For resolution, in this case, I would like her business to be fined for the three times her business has harassed me, her business license to be revoked, and for XXXX XXXX to never be allowed to hold a business license in the state of Washington again. Her malpractice of buying and trying to collect a debt that is still in litigation is extremely out of the ordinary, illegal, and to be quite honest, disgusting. Citizens in Washington state should no longer be able to be harassed by this thug XXXX and her band of collectors who do not follow FTC fair consumer debt collection practices. 

Thank you for your time and effort, XXXX XXXX
Consumer complaint received 2023-04-06
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. (FL)

XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my Credit Score which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the Credit Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (CT)

Debt was originally owned by Barclays Bank Delaware. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/XXXX, as required, I paid {$1000.00} for the 2nd Installment of the XXXX Taxes for my property. I made this payment in person at my bank because there was no information in the XXXX County Treasurer 's Office that Select Portfolio Servicing , Inc., had paid {$1000.00} as required by law. The result was both payments were received by the Treasurer 's Office on XX/XX/XXXX. I called several times and wrote to Select Portfolio requesting reimbursement. Select Portfolio had transferred my mortgage loan to another company to be effective on XX/XX/XXXX. When I called Select Portfolio 's Customer Service I could never get through to an Agent because my loan number was no longer active. In addition, my correspondence was never acknowledged by Select Portfolio. I visited the XXXX County Treasurer 's Office and was told that since XXXX XXXX, the Agent for Select Portfolio had declared that they were paying on their behalf, not on my behalf, as the mortgagee, they could not return my payment. Why would they pay on their behalf? It's not their property. The XXXX County Treasurer 's OfficXXXX website shows I'm due this refund. According to the Treasurer 's Office, XXXX XXXX must request a refund from the XXXX County Treasurer 's Office and issue the refund to me. Both companies, Select Portfolio Servicing , Inc. and XXXX XXXX must act.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (NY)

I received a phone call today from this company. On the voicemail, it stated they were attempting to collect a debt. This is not ok. 

Ive never heard of this company, nor what debt they allegedly hold in my maiden name. Ive been married for 10 years so its highly likely whatever they have is out of statue, or the result of my purse being stolen from my car in 2017.