davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NM)

I was a victim of the XXXX credit breach several years ago. As a result I was offered ( as terms of the settlement with the US government ) free credit monitoring with experian. I created a account with them so that I could check the status of this monitoring. Without being told I was apparently signing up for a paid service which was not the terms of US government settlement. 

I have tried to dispute the charges that have been put on my credit card ( {$78.00} ) without my authorization. I have spent 10 hours on the phone in XX/XX/2022 trying to get this resolved. They shift me from one person to the next who then hangs up on me. 

I believe they are perpetrating a fraud by taking the information on people who were victims of the XXXX breach and converting them through deceptive emails to a paid account. 

In addition the website I was told to go to for the XXXX breach coverage XXXX is not a valid website. Repeated calls to experian have resulted in the same run around and misinformation. 

Today XX/XX/2022 I am filing a dispute with the credit card company.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

Shellpoint keeps playing games and has not shown where they applied three partial payments I made to my mortgage last year. These amount were XXXX each. They received HAF funds and applied full amounts from HAF ON TOP of the partial payments. When I have asked them to rectify this they claim they took the 3 partial payment and added them to the HAF total and then paid out other months. No proof and nothing reflects this. Addtionally shellpoint agree with state of maryland ot bring loan current. They received funds XX/XX/2023 and then attempted to still bill me fully for that month which is not what they agree to state of maryland. so there is XXXX give or take that they need to credit me. Addtionally they PROMISED the state of maryland HAF dept that they would not raise my interest rate and would work on lowering monthly payments. instead they drastically raised my rate a huge amount. 

as of XX/XX/2023 they keep sending me the wrong amount do every month since XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with better business bureau I am filing this complaint on my own behalf
Consumer complaint received 2019-08-07
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. (TX)

XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On or around XX/XX/2020 I wrote a letter to Experian credit reporting agency to inform them that they are reporting inaccurate information on my credit report of accounts that do not belong to me. XXXX, XXXX XXXX XXXX ( Plz see Ex-A ). I also informed them that they have 30 days to complete their investigation as per Fair Credit Reporting Act sec 611 ( a ) ( 1 ) ( A ). 

On or around XX/XX/2020 I sent a XXXX letter informing Experian that they are still reporting incorrect items on my credit report ie,. XXXX XXXX XXXX XXXXXXXX, XXXX acct # XXXX and XXXX XXXX cc acct # XXXX. ( Plz see Ex - B and Ex b ). 

On XX/XX/2020 I made a 3rd attempt to resolve the ongoing problem with Experian from their continuance with reporting fraudulent information on accounts that do not belong to me. Plz see Ex-C, Ex ( c ) and Ex-D ) Too date, they havent VERIFIED any of the above accounts, however, they claim that they have completed their investigation and came to the conclusion that the accounts belong to me. This is impossible when the so-called creditors cant verify the debt ( s ) themselves. They are relying simply on a copy of an made up statement and my SS #. According FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document DOES NOT constitute verification.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding continues to pursue a debt i do not owe. Ive asked them for the original contract between me and them months ago. And still one hasn't been produced. Also XXXX XXXX, and XXXX  continue to report this and ive never given my written consent to furnish my information. 
According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 

1. LVNV Funding XX/XX/19, XX/XX/19 2. XXXX, XXXX, XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

XXXX My XXXX XXXX XXXX XXXX are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( Experian, XXXX, XXXX, XXXX, and the hundreds of alternatives such as 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, etc ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX  ), Experian XXXX ( XXXX XXXX XXXX XXXX and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

This was a phony call and they used a phony last name, not mine. I have no debts that are unpaid and an excellent credit rating ~ 800. 
They have made robocalls repeatedly from various phone # s ( XXXX ) and asking me to call XXXX ( Amerifinancial ). I believe it is a scam. They are an extreme nuisance and It is likely they are doing this to many others, especially retired people. We have received several calls from them.
Consumer complaint received 2022-04-21
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. (NV)

XXXX My XXXX XXXX XXXX XXXX  are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( XXXX, Equifax, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX 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  etc ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. Equifax ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX  and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (PA)

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Markoff Law LLC (MS)

XX/XX/XXXX XXXX {$1600.00} Mark off Law LLC//City of XXXX 15 U.S.C 1692c ( A ) without the prior consent of the consumer given directly to the debt collectors or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15U.S.C 1692b ( 4 ) not communicate by post card or mail 15 U.S.C 1692b ( 2 ) not state that such consumer owes any debt 15U.S.C 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account : '' XXXX XXXX XXXX  '' Closed, reporting open.. 
Not only that they violated my consumer rights act ( 15 usc 1692e ) My whole life has been afflicted by this.
Consumer complaint received 2023-10-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XXXX  SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-21
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)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE CONTACTED TRANSUNION ABOUT 3 INQURIES THAT THEY CONTINUE TO KEEP REPORTING ON MY CREDIT REPORT.XXXX XXXX XXXX XXXX I TRIED REACHING XXXX XXXX  FROM THE NUMBER THAT IS LISTED ON MY CREDIT REPORT THE NUMBER IS NOT IN SERVICE THIS IS A FRAUDLENT INQURY I HAVE NO OTHER MEANS OF CONTACTING A COMPANY I HAVE ANY OF KNOWLEDGE OF. I HAVE DISCUSED THIS WITH TRANSUNION SEVERAL TIMES OVER THE PHONE. THEY CONTINUE TO DISREGARD THE MATTER. THIS IS A STRESSFUL SITUATION AND HAS HINDERED ME FROM ALOT OF OPPURTUNIES. THIS A DEFLAMTION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from