davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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. (NC)

XXXX XXXX does not keep up to date accurate records for accounts serviced. I sent XXXX a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

Loan # XXXX XXXX  Opened- XX/XX/2016 at XXXX XXXX in the amount of {$3500.00} Deposit in XXXX XXXX XXXX  Reference : XXXX XXXX and XXXX XXXX  I have no idea where this account came from. Please remove from my credit report.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

We have contacted Select Portfolio Servicing numerous times regarding the attached 1099-C. As you are aware all loans associated to each of our properties are fraudulent. 
Our information was taken for the purpose of obtaining loans for others self profit. We DEMAND SPS delete both 1099 C. It's bad enough we never received a loan as it pertains to the property located at XXXX XXXX XXXX XXXX XXXX SPS has issues TWO Separate 1099-c 's in the amount of XXXX each the two of us, This is Fraud and THEFT.
Consumer complaint received 2021-10-25
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. (GA)

Experian has repeatedly refused to correct and delete fraudulent information from my credit report. They have been sent the proper documentation, including a valid and verifiable police report and yet continue to " investigate '' the situation with no results. This has been ongoing for months. XXXX and XXXX have deleted these items. Experian is causing distress because of the continual nature of their responses. I wait the allotted time for their results to find nothing has been done. 

THE EXPERIAN LATEST REPORT # XXXX ON XX/XX/2021
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??
Consumer complaint received 2021-10-25
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. (FL)

The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??
Consumer complaint received 2021-10-25
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)

The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (GA)

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 visited a car lots multiple times and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America representative kept me on the phone on and off hold for almost 1 and half hour, their billing system was not functioning. I have tried since XXXX to set up auto pay and their system has not been functional. They charged me late fees as a result and refuses to refund the fees even after confirming that there was in fact an issue with their billpay system. 

The manager I spoke with XXXX XXXX XXXX transferred me to her manager XXXX who hung up on me after talking to me as though I was his child. The overall customer service experience was very sad and distasteful. Our account inappropriately charged a late fee after confirmed issues with their system.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

I was XXXX  on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX XXXX XXXX  whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded XXXX XXXX that they were in violation of the HIIPA Laws. XXXX XXXX could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which MBA Law knows and XXXX XXXX XXXX. I spoke with MBA Law who could not validate the bill but stated if I show proof of insurance for the time in question MBA will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. MBA bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked MBA Law to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with MBA Law or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.
Consumer complaint received 2021-10-25
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. (TX)

hello I am wanting to file a complaint on experian for there continuous inaccurate reporting and for there illegal practices by changing the date of first delinquency, charge off date and Last Payment on a account on my credit report. 

XX/XX/XXXX I sent experian a letter based on there inaccurate reporting stating they are reporting a active payment history on this account when it is closed. 

XX/XX/XXXX I viewed my results online and they claimed the information I disputed has been updated. they didn't remove the active payment history of charge offs every month that I requested and they changed the Last Payment from XX/XX/XXXX to XXXX XXXX they changed the date of 1st delinquency from XX/XX/XXXX to XX/XX/XXXX. They changed the charged off date from XX/XX/XXXX to XXXX XXXX if I am not mistaken experian illegally re-aged this account and this a major violation. 

XX/XX/XXXX I responded with a letter stating all of the information as stated above from my results XX/XX/XXXX experian sent me results STILL reporting a c/o monthly and they changed the Balance Updated and Status dates from XX/XX/XXXX to XX/XX/XXXX?? they completed this investigation in 10 days. they still did not remove the active payment history as I originally requested. experian is in non compliance and doing illegal procedures.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Hi, I am the holder of a XXXX XXXX  mortgage and was denied modification several times until I reached out to you. I was hit with laugh fees and put into a balloon mortgage. How can I become part of the class action suit. 
Sent from my XXXX
Consumer complaint received 2024-02-27
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. (AZ)

I have disputed information on my credit report numerous times and there was not documents presented to validate items disputed. 
In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX According to XXXX vs. XXXX 1997 Experian suppose to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violates these laws. 15 U.S.C 1681 ( i ), 15 U.S.C 1681C-2 ( A ) ( 4 ) right to privacy ,15U.S.C 1681eb, 15 U.S.C 1681b A ( 2 ) permissible purpose.

This account was charged off and still has a balance. Any account that has been charged off must carry a balance of XXXXXXXX. This account is violating every 15 U.S.C 1681 CODE. Not only is Experian not providing the charge off documents as stated charge off by creditor, it refuses to validate this information. Please delete this account. This account is considered identity theft at this point.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On early XXXX, I received a collection letter through the mail indicated that I owe a balance of {$6500.00} to collection company called PORTFOLIO RECOVERY ASSOCIATES , LLC, it also states the Seller company XXXX XXXX  XXXX XXXX, Original Creditor XXXX XXXX XXXX I have never had any accounts with any of the stated banks or companies whatsoever, this is definitely an identity theft fraud account that have no clue where it came from or who would have done it. I filed a fraud account with both XXXX and XXXX as this account showed only on their credit reports. I also filled a Police Report at my city, and called the merchant XXXX to report fraud account. No updates have received yet up until today 's date.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

So I'm XXXX of 2020. I had received my funding from Nevada Pandemic unemployment assistance. It was XXXX. I had tried to use my card but they blocked the card for about 11 months..I just noticed that there was two transactions that got denied because of the block. Both transactions were for XXXX dollars. Stated it was submitted and payed out but I didn't get the money due to the card being blocked. I called and called Bank of America over and over just kept getting getting the card had been blocked and I needed to contact my sponsor. They have done this more than one occasion. I had contacted unemployment but they had me on a waiting list for 10 months. I couldn't even dispute the charges due to the fact that everytime I called they wouldn't even speak to me they would say contact my sponsor. I don't think this is right to take money that didn't get paid to me bacuse they blocked my card
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The company received my information from another party and is now attempting to collect an alleged debt. I did not give written consent to communicate with me at all nor did I give written consent to furnish anything on my report. No consent is identity theft. I am very upset at the way these companies do business and it is harming my character.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts do not pertain to me at all. Please have them removed from my credit report immediately. 1. CAPITAL ONE BANK USA N XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX. XXXX, XXXX XXXX
Consumer complaint received 2021-10-25
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. (AR)

On XX/XX/XXXX I sent XXXX a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from XXXX stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if XXXX contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to XXXX disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my XXXX credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

This company has illegally obtained my personal information from a company without consent of the consumer in order to collect in amount of {$790.00} and to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2021-10-24
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. (FL)

Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.
Consumer complaint received 2020-12-30
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!
Consumer complaint received 2019-02-06
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. (CO)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;