davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (IL)

The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX XXXX XXXX  The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the XXXX XXXX XXXX but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 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 an 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 adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
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. (CA)

Experian, XXXX, and XXXX Credit Bureaus are violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, the list of accounts below are in violation of 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 The above-mentioned accounts have all 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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 2022-04-19
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NC)

On today XX/XX/2022, at around XXXX XXXX, I activated the prepaid Mastercard gift card that I purchased on XXXX at XXXX XXXX  at the XXXX XXXX located at XXXX XXXX XXXX XXXX, North Carolina XXXX. After activating the card and having only used the card for a one-time purchase of XXXX for inmate call. Then checking the card for the balance, I found the there was another charge in the amount of XXXX for a company by the name XXXX, with no address nor contact number, with the card ending in XXXX that I just activated. Which would have been the remaining balance on the card. And only the card company or hackers would have this information. I did contact customer service at XXXX. The rep advised me that I would need to wait 10 days before I can dispute the charge, he also advised me that I would need to call back on XX/XX/2022, because that would be the ten-day mark. And to contact the retailer. I advised him that the company is to supply the retailers contact information, address, and item purchased. None of that was supplied by XXXX. There are federal guidelines that the credit card company should be following with regard to producing transaction information, that they are not following.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (IL)

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 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 2023-06-28
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. (FL)

XXXX XXXX XXXX Date of BirthXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ Equifax / XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ Equifax / XXXX XXXX XXXX XXXX credit report : Dispute 1 : The alleged charge-off of an obligation with [ XXXX XXXX XXXX XXXX original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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: First Help Financial, LLC (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-19
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 (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (PA)

Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 
Text STOP to opt out My response : I AM NOT THE PERSON YOU ARE LOOKING FOR. MY NAME IS NOT XXXXXXX. 
STOP STOP STOP STOP Another message sent by them : Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 


My response to the latest message : To whom it may concern. 
I responded to this text that I am not XXXXXXX XXXXXXXX and texted STOP multiple times. As you have now sent another text on this I will be filling a formal complaint against you with the FTC and our state attorney general office. 

I went to the FTC site and they forwarded me to your site. 
Thank you for investigating this matter.
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (VA)

Upon reviewing my credit reports in XX/XX/2022, I found an account from SCA Collections that I was not familiar with. On XX/XX/2022 I contacted the agency after several failed attempts via contact messaging on their website on XX/XX/2022 and XX/XX/2022. Please note that I was only able to make contact with an agent by choosing the option of being a North Carolina resident. After calling repeatedly for weeks, I sat on hold for more than 20 minutes before being sent to a voicemail for Virginia residents in which the agency was unresponsive. On XX/XX/2022, I spoke to XXXX, who informed me that she could not provide me the information of the original debtor but that they could send me an itemized bill. I informed XXXX that I sent a debt verification letter on XX/XX/2022 to which they needed to heed my requests per the law. 

The agency failed to provide me the requested debt verification documents such as a copy of my signature with the provider of services to release my medical information. Moreover, the agency did not respond to my written correspondence and requests made via phone until XX/XX/2022. On XX/XX/2022, I received a document with no information informing me that they would be proceeding with collections activities.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

i did a complete modification on my Mortgage loan back on XXXX, the application was received on XX/XX/XXXX, i did start with my trial payments as we agreed with XXXXenny Mac for 3 months, after the trial period i was calling them every single month in order to update their system with the new interest and the new payment, every time i called, i was told to please continue the please continue making the payments, the excuse every single month, was they had an issue with the system and promising that for the following month the issue should be resolved, beginning of XXXX when i sold the house and at the closing date when we receive the Payoff we did notice that the full interest was charged and the full modification was never updated, and i ended it to pay more Than i was suppose to, after we close, we receive a letter stating that the modification was not approved, full of lies, they took advantage and and they were charging me for the original interest of XXXX XXXX, i did everything what i was asked for, it's not fair to loose this amount of money specially in these times,
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (IL)

Lockhart , Morris & Montgomery , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX PHONE : XXXX XXXX The above collection agency placed a debt on my credit report that was expired. this was for emergency medical condition. In the state of Illinois unwritten contracts which medical bills are, are only enforceable for 5 years. This company placed this on my credit report after the 5 years and also they never contacted me about this debt. I have asked this to be removed but they have failed to comply. An out of state debt collector should know the laws of the state there trying to collect from. 



( XXXX )
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, Fed Loan Servicing 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on all my Fed Loan Servicing accounts would be removed from credit report by a representative of this company because I am still in school. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (WA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2022-04-19
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 : States a consumer reporting agency can not furnish a account without my written instructions. 

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2022-04-19
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 : States a consumer reporting agency can not furnish a account without my written instructions. 

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

Experian Has a account that I had disputed months ago and still has not removed this. The name is credit collection services, by XXXX. Debt was settle and agreed that when paid in full will be removed from my credit.
Consumer complaint received 2022-04-19
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX bank account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX/ account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a comsumer 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 2022-04-19
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: Experian Information Solutions Inc. (VA)

I paid off my personal loan ( amount {$770.00} ) with XXXX as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX a manager ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that XXXX continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from XXXX reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, XXXX needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.
Consumer complaint received 2024-03-13
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. (NJ)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX  Balance Owed : {$0.00}