davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (AL)

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 U.S.C 1681. 

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 602A. 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 reports containing any of the following items of information. Any other adverse items of information, other then records of conviction of crimes which antendates the reports by more then seven years 15 U.S.C 1686-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (CA)

Ad astract recovery/ speedy cash XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (IN)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I received a collections letter from Helvey & Associates Inc about a utility bill balance of {$53.00}. I explained to someone at the company that I am a victim of identity theft and I have no knowledge about the bill. The company took it upon themselves to search through public records to pull up my name XXXX XXXX. I did not give them permission to search me. I am a XXXX XXXX XXXX as well and I try my best to live in privacy because of that. This company keeps calling me repeatedly from different numbers through out the day. They have no verifiable debt information and I ask that this company leave me alone immediately before I seek legal advice from my lawyer.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've filed a dispute by mail to Equifax on XX/XX/2020 regarding alleged collection account creditor XXXX XXXX XXXX. Equifax has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I provided a letter from XXXX XXXX  to XXXX XXXX of Fifth Third Bank. The letter was addressed to me. At no time did I give consent or authorization for Fifth Third to share my personal information with anybody. Fifth Third took it upon themselves to contact My creditor, XXXX XXXX, and share confidential and private information regarding my Fifth Third Mortgage with them.
Consumer complaint received 2021-01-14
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. (CA)

XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to miss-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 

XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to miss-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!
Consumer complaint received 2021-01-14
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. (CA)

I have contacted the bureaus on several occasions to see the status of the inaccurate information on my report. I have noticed several items that are unknown and clearly do not belong to me. This is clearly not right by continuously reporting inaccurate information and I also have not been informed of any type of status with the investigation.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Identify theft fraudulent account XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This account was previously deleted on XX/XX/XXXX This debt was erroneously put on my credit report under the fair credit reporting act it is against the law to readd an erroneously credit debit back on my credit report
Consumer complaint received 2021-01-14
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. (FL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I am very disappointed and I will file a lawsuit if this is not resolved.
Consumer complaint received 2021-01-14
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)

My credit report shows two XXXX XXXX XXXX accounts that were charged off. At no time did I have two active accounts with them. Their records should indicate that the older loan was rolled over into the new one which they secured with my auto,. The car was totaled and they were paid all but XXXX for that loan which they settled with me and which settlement I paid in full.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have been right on time and paying more the what my payment is on my student loan every month. I paid {$90.00} to American education services XX/XX/XXXX. No they are demanding I pay {$280.00} XX/XX/XXXX and I just got a noticed that I had to pay XXXX by XX/XX/XXXX!!! What kind of XXXX is that! Thats over {$400.00}! I can not believe they are trying to scam more money from me. If this is not resolved I will be getting a lawyer. They contacted me way to late and are asking for separate payments way to close together.
Consumer complaint received 2021-01-14
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. (IA)

XXXX has been incorrectly reporting payment history to XXXX, Equifax, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, Equifax, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CT)

My mother, XXXX XXXX, who was on the lease, as well entered into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to XXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. This was surprising because my mother was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. According to my mother, she asked him what can she do to prevent from hurting my credit. Mr. XXXX ensured her that if she makes a payment and continues to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though she has NEVER missed a payment and/or never later ( they drafts my account every 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/XXXX, payment on XX/XX/XXXX, they reported me late before XX/XX/XXXX payment was due. She inquired with Mr. XXXX and he acknowledged that she was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. She contacted Mr . 
XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/XXXX. It now XX/XX/XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they removed the account from XXXX XXXX 's but continue to report me as " late Payment ''. Which is totally inaccurate. No payments have ever been missed and/or late!!! Several attempts to contact NCS now no longer responds.
Consumer complaint received 2021-01-14
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. (IA)

XXXX has been incorrectly reporting payment history to TransUnion, XXXX, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, TransUnion, XXXX, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, TransUnion had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Contacted XXXX in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today XXXX continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by Equifax and removed, yet Equifax continues to allow this inaccurate information to report again without blocking it.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TX)

This is a more detailed accounting of event that I never asked for or authorized. I have been in the XXXX XXXX XXXX XXXX  until XXXX of 2019 and I have asked this collection agency of verification of the dept. It is not possible to prove a debt that is not mine and the State of Texas can prove my XXXX 
I get no response from the creditor or collection agency when trying to resolve this matter
Consumer complaint received 2021-01-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

This manufactured home is located in XXXX XXXX XXXX XXXX, dba XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX a land-lease community. The resident was evicted in XX/XX/XXXX from XXXX XXXX, XXXX, MI XXXX. The home was financed by Conseco, which was bought by Ditech, which was then bought by XXXX XXXX. We sent letters to Conseco and Ditech on XX/XX/XXXX as our first attempt to collect the site rent due, included with that letter was a copy of the Futernik v Vanderbilt Mortgage and finance Michigan Court of Appeals ruling. We sent a second letter on XX/XX/XXXX, trying to collect the site rent owed, including the Michigan case law again. We sent a third communictaion on XX/XX/XXXX including an invoice for site rent owed. We sent two copies, one regular post and the second certified. 
We completed a title search on XX/XX/XXXX through the State of Michigan which listed Conseco Financial Servicing Corp. as the first Secured Party on the title. On XX/XX/XXXX we received our regular post letter from XX/XX/XXXX back unopened. 
On XX/XX/XXXX We sent our fourth letter to Ditech Financial. On XX/XX/XXXX we sent another letter to Ditech Certified mail and received confirmation of this letter being received by Ditech. On XX/XX/XXXX, there was a noticed placed on the home stating the home was under XXXX XXXX XXXX, a subsidiary of XXXX XXXX, and the home was winterized. On XX/XX/XXXX we sent XXXX XXXX XXXX a package containing previous communications and an updated invoice for the site rent. We never heard back from them. 
On XX/XX/XXXX we received an email from XXXX XXXX  listing the home serial number XXXX, at XXXX XXXX XXXX, MI XXXX for auction to be sold on XX/XX/XXXX. I sent an email to the email listed and received an email back indicating that they only had possession of the home since XX/XX/XXXX and only owe site rent since that time. 
I have included all communications and documentation deemed pertinent. I also verified that no new title has been requested since the original title in XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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, 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.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, and EQUIFAX is reporting a late payment and shouldnt be according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NJ)

today XX/XX/XXXX I had a company XXXX XXXX from Delaware call and tell me I owed a debt to Wachovia. They said that because they have my current address and information ( none that I supplied and they willingly gave out with no proof of who they were speaking to I just yes'ed them through the info ). I told them this was not my account and they said since you live at the address and they provided id we know it was you. I said I have worked in XXXX  and many people opened fraud accounts with people 's info and fake id 's. They said who uses the same address well I have seen that before too. I used to work XXXX  specifically for XXXX. They flat-out refused to send me out proof of the debt and wanted my email. I refused I said for what so you can say you know it's me because you also have my email. So I made an email just for them since they were so insistent on an email and refusing to send it. They accused me of making a fake email. I said the email is not fake it is an actual email I set up for you. I asked for proof that I and the Co acct holder set up this account and they refused. I said this is not my account I did not open an account with Wachovia in XXXX. I just need proof it is mine and they proceeded to threaten me that they are going to take me to court and they are going to cancel all my bank accounts and they are going to charge me all these additional fees multiple times even when I told them I did not see their email on the XXXX email account. They said they refuse to put on my account my statement that I am stating it is not my account and is fraudulent I told them that is oppression but they did not care. I told them I have not received anything from Wachovia on this at all. I do not know anything about this. They said they do not care if I receive the info today they will be referring my info to a lawyer and all these things will happen to me. They said I can ask the lawyer for proof it was my account and I can then have to pay all the extra fees. They also stated that they refused to enter my statement of the fact that I said this is not my account and that it was a fraud and was requesting proof that this account was indeed my account such as the paperwork showing I opened the account with my id.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.