davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  NA Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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. (MI)

My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XX/XX/XXXX. Beginning in XXXX of XXXX I began to contact Experian, XXXX and XXXX via certified mail disputing this information. I was informed by all XXXX companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on XXXX separate occasions with all XXXX bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (OK)

In XXXX of XXXX I had procedures done with XXXX XXXX XXXX within the XXXX XXXX of XXXX XXXX. At the time, I was under the impression I had 100 % coverage with my insurance company, XXXX, and was not charged or billed for services. Later, we discovered an issue with my insurance coverage and I was billed by XXXX XXXX and XXXX XXXX XXXX. I have paid off a collection with a separate company and am working to pay off the " bad debt '' within the XXXX XXXX for these services. 

While I was working with the XXXX XXXX to get documents to help provide medical assistance for these charges, it was reviled that no entity can explain why I have a balance of {$1600.00} from the debt collection agency of Frost-Arnett. The medical assistant at XXXX  for XXXX XXXX XXXX shows charges billed thorugh XXXX XXXX however they do not show any charges associated with " XXXX at XXXX. '' The billing department for XXXX XXXX can not find any documents that show other charges or any amount being sent to collections. I was told by the XXXX office on XX/XX/XXXX that the entity is no longer in existence. I can not even find information for " XXXX at XXXX '' on a simple XXXX search. I have NO WAY of being able to verify, dispute, or even review these charges that Frost-Arnett is trying to hold me responsible for. 

When speaking to customer service with Frost-Arnett, I spoke to their assistant XXXX   on XX/XX/XXXX. The only information they have on file is a date of service for XX/XX/XXXX with no doctor listed, only the company " XXXX at XXXX. '' I asked for contact information for this company, so I could review itemized charges. They have NO contact information to give me. They are " not allowed '' to contact the company on my behalf. I confirmed with the assistant who works with Forst-Arnett Customer Service over-the-phone that there is NO way for me to see what I am being charged {$1600.00} for. There was no solution offered to me. 

I am at the risk of my credit being ruined, over charges from a debt collector who can not tell me any information. This company can not tell me what I am being charged or who I can contact to find out why. I am being asked by Frost-Arnett to blindly send them {$1600.00} with no information. I have no way to contact this " XXXX at XXXX '' and the physician that performed the procedure has already billed me separately and has no record of this extra charge. The attached document is THE ONLY peice of information I have and the ONLY information aside from a date of service that Frost-Arnett can provide me as of XX/XX/XXXX.
Consumer complaint received 2023-01-16
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)

XXXX, TransUnion, and XXXX have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.
Consumer complaint received 2019-12-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (AK)

My HUD184 loan servicing was previously through XXXX. Since I had the loan in 2015, I had not made one late payment. I noticed mid-XXXX that my XXXX payment had not been cashed. I called and was on hold for an hour before I could speak to someone. The representative at XXXX said that the servicing of my loan was being moved to MidAmerica Mortgage and they were servicing their own loans. She gave my my account number ( which turned out to be only for LoanCare ) and a number to get a hold of someone at MidAmerica.

I called MidAmerica the next day. There was a recording on their phone that stated they were closed for an " unexpected event ''. I called again the next day and again was on hold for well over an hour. I hung up and called LoanCare again as I couldn't get anyone at MidAmerica to answer.

I talked to another rep at LoanCare who said that while the account is in transition, that there would be a 60 day grace period. She also said I wouldn't be held liable for any late payments. She said that they had just sent out the notices that they were no longer servicing the loan the week before and I should get it in the mail. I never received the notice from LoanCare. She also stated that MidAmerica would be sending me a welcome packet as well. I never received that. 

XXXX came and went. I figured I had done my research and that I just had to wait to get something from them in the mail. I also kept checking my e-mail on file with them. I received nothing at either. 

On XX/XX/XXXX, I still hadn't received anything. I called MidAmerica again. I was on hold for over an hour again. I finally got through to someone. It wasn't actually MidAmerica who was servicing my loan, it was 1st Tribal. Also, she said the account number wasn't theirs, it was XXXX  's, so she gave me a new account number and I was able to login on the portal while I was on the phone with her. My account stated I was two months behind on my mortgage. I now owed over {$4500.00} in two weeks. She said they hadn't sent me a welcome package but that she would talk to her supervisor to have one sent to me right away. I was upset with her. I have never been late and now I had two agencies not send me the information. I had no way of making payments or knew what was going on. I am lucky that I am able to catch up, but not everyone has three months of payments at the holidays. This has also put undue stress on us for XXXX. I don't think this was handled appropriately and it put my house in jeopardy. Someone should know what they've done. I doubt I'm the only one who has experienced this.
Consumer complaint received 2023-04-30
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. (CA)

Description X In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters
Consumer complaint received 2019-12-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

The debt already was submitted on my report as paid/ charge off I voluntarily made agreement to surrender vehicle XXXX XXXX years ago due to medical reasons XXXX failure going on XXXX and on a fix income social security and they agreed to. The vehicle was sold and majority of debt owed was paid this collection agency brought the loan and submitted a substantial amount owed that was incorrect company should have know rights to my private information nor submitting an inaccurate debt.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CA)

I was contacted on in XXXX of this year 2019 by Debt Recovery Solutions , LLC saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from XXXX XXXX XXXXg 5 years ago and never paid back the loan. 

I asked them if they were XXXX XXXX XXXX? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe XXXX XXXX and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to Debt Recovery Solutions , LLC Then all of a sudden I get a collection reported on my credit report by XXXX  XXXX XXXX so it appears, but the address is the same address listed on the Debt Recovery Solutions , LLC letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened inXX/XX/2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XX/XX/XXXXCredit Report
Consumer complaint received 2022-10-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2020-06-09
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MONEY SOURCE, INC., THE (NV)

I simply want my perfect mortgage payments made to The Money Source to be reported on my credit report. 

Back History : It took 2 years to assume my father 's VA loan from The Money Source after he passed away. I did everything to assume the loan, The Money Source sent out a notary to my house and just failed to put me on record on the loan. I had spoken to at least 30 people at the Money Source and after 2 years nobody could help me. I contacted the CFPB in XXXX and within 1 week the loan was finally put in my name. 

The request : I asked The Money Source since I have been paying the mortgage for 2 years could they please report that to the credit bureaus. They said no because the loan wasn't in my name - which was what my 2 year battle was all about! They said starting XX/XX/XXXX the loan will be in my name and it will start reporting. I waited until XXXX to call when of course it wasn't reporting. I spoke to XXXX, she spoke to a manager who said she would investigate. I informed her that I have a 2 year history of nobody calling me back from The Money Source and she scheduled a time to call me back. The next day at XXXX XXXX. Of course I did not receive a call so I left her a message and of course never heard back. On XX/XX/XXXX I called again and reached XXXX who also said they needed to investigate and they would get back to me and of course again they didn't. I have now made 6 payments in my name on time and I know my only hope to get this reported is to contact the CFPB. Mortgage payments really boost a credit score, is it fair that they get to decide what customers they give credit to and what customers they can ignore?
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (NY)

After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my XXXX account for renewal due in early XXXX. After discovering that XXXX paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my XXXX account, then I removed all my personal information from the site and never used it after that incident.
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX, XXXX  # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (WA)

Company robocall almost everyday and never leaves message. My number is on Do not call registry. I inform them of that and add them to call rejection. I also informed them everything needs to be in handwritten mail and not to call again.

Have asked several time. They also tries to pretend by changing numbers they call from.

I also do not owe the debt they are speaking of. If I do owe it then they need to send the original creditor billing.

They have also abused reporting these debt to my credit report causing it to sink credit score significantly by double or tripple reporting on one item. XXXX  tactic.

All of these violates the law.
Consumer complaint received 2023-11-27
Product: Credit reporting 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)

The consumer reporting agencies are reporting an account to my credit report. I demand an Affidavit showing what Permissible Purpose they have to report this information in accordance with 15 usc 1681B. I expect the section for which they have permissible purpose and who they are using it in conjunction with. I would also like to see who they are speaking with on my private information in accordanace with 15 usc 1681i
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-27
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. (MN)

I mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my XXXX XXXX, XXXX  and Equifax credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX XXXX XXXX, XXXX XXXX Card/XXXX XXXX XXXX, XXXX  Card/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX attempted to receive annual credit report from TransUnion. I was charged {$29.00} for this ( can't remember if I even got the report at the end. Just remember getting frustrated at one point. ) However, was also charged a {$19.00} recurring fee that I didn't notice until XX/XX/XXXX. Apparently this was their credit monitoring service. However, I never received any E-Mails regarding credit monitoring or receipts. I applied for multiple credit cards and a mortgage during this time and received no notification from TransUnion. I only started receiving notifications once I called to cancel the service and was denied a refund despite never having the intention of buying the service. Total I ended up paying was {$150.00} not including the {$29.00} charge. This is a dishonest practice by TransUnion and I will never be doing business with them again.