davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (CA)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts and provide me with the method of verification, as well as whom they spoke to at each creditor. They sent correspondence back stating everything was verified and correct and no information on how information was verified. 
Account name : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I have enclosed copies of my report with the inaccurate information.

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 2020-01-15
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-07-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (TX)

Company calls 7 to 8 times a day. Company repo vehicle after being 2 months behind after i made a agreement over phone to pay 3 days before it was repo. Explained that because of all issues with car and excessive fees i could not get back. A lemon that was patched up to sale. It was no need to call me that many times a day
Consumer complaint received 2019-07-12
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)

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. XXXX. XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

I never received a DUNNING LETTER from XXXX affording me the opportunity to dispute, settle, discuss or anything prior to getting a summons, this is a direct violation of the FDCPA ( FAIR DEBT COLLECTIONS PRACTICE ACT ) Also, The summons was not given directly to me but instead, it was given to a XXXX  that is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because he is not mature enough to understand the ramifications of this process and he is thinking that you can possibly face jail time
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

RE : Synchrony XXXX ending in XXXX. This bank had my mailing address wrong on my account resulting in no statement received. Specifically they listing my unit number as # XXXX when it is actually # XXXX. On XX/XX/XXXX I was charged a late fee of XXXX and on XX/XX/XXXX I was charged interest of XXXX. On XXXX I phoned the bank and spoke to XXXX. XXXX assured me that the fees would be reversed. At that time I made a phone payment to bring my balance to XXXX. On my next statement NO fees were reversed and instead I was charged another late fee of XXXX and interest of XXXX.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MD)

Account showed up as disabled in XXXX. Attempted to call office and stayed on hold for 2 hour until offices closed for the day. Emailed requesting access and explaining I had an error 100 code notes on the disabled account. Replies to email were sent to account, which was disabled. Attempted to call again and no response. Called again and after waiting an hour and troubleshooting with representative she was unable to allow me access to the account. She deleted the account and asked I reregister. When reregistering did not work she said her supervisor said she was not supposed to have deleted the account and that I would have to call back. I asked for an extension for payment due date in the meantime while this was being held and they insisted I had to call back.
Consumer complaint received 2022-10-03
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed Equifax is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (CO)

I am getting sick and tired of dealing with Experian fake credit reporting. One can not dispute anything unless you have to call them. Sorry to disappoint Experian, but I do not trust them and anything verbal does not hold validity in a court of law. 

Last year, I disputed a debt that I do not owe. I never received a billing statement from this questionable debt collector and if it is MEDICAL. I am insured with MEDICAID. Therefore, I am not responsible for any medical debt, especially, for medical treatment I have never received. Here 's the information regarding this fake collection account. 

XXXX XXXX XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 

Alert Details Alert Date XX/XX/2019 Source EXPERIAN Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$1000.00} Is anything incorrect? 

I have disputed this before and nothing was done and yet, Experian has set it up where I am not allowed to dispute it again. 

Delete it and for Experian, stop collecting information on me. YOU XXXX XXXX XXXX ALLOWED THE DATA BREACH ON ME.
Consumer complaint received 2024-02-21
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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES 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 ON MY CONSUMER REPORT XXXX ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from 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  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or XXXX XXXX. I have asked Naitonal Credit Adjusters to provide me with verifiable proof to include my signature. I have been told by agent at Natioanal Credit Adjusters they do not have to provide me with verifiable proof with my signature. 


This is not my debit and this collection agency is not licensed in the state of TN nor is there a office in the state of TN.
Consumer complaint received 2020-01-15
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: Experian Information Solutions Inc. (MI)

Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 
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 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
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I'm serious about suing your company if you don't fix my credit report! You've ignored my requests to investigate and remove the late dates, violating the law. Remove the negativity from the accounts I mentioned immediately, or I'll take legal action against you in my county. Your lack of professionalism disgusts me fix this now or face the consequences! XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX  : {$5300.00}.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Dear all, In XX/XX/XXXX, I conducted a mortgage with the XXXX XXXX XXXX for my principle property which is a condo in XXXX PA XXXX. In XX/XX/XXXX, I was informed that the XXXX XXXX XXXX sold/transferred my loan to the Roundpoint servicing company. In XX/XX/XXXX, I received two interim notices concerning school taxes. I sent these notices by email to roundpointmortgage.com so they can take care of these amounts since they keep my escrow account. They replied by phone call that they don't pay interim or supplementary taxes and that's the borrower 's responsibility. I called them again trying to explain that these notices concern, the first interim notice, school taxes from XX/XX/XXXX till XX/XX/XXXX which I have already paid in the closing date, as you can see from the latest closing disclosure document, and the 2nd notice the two months XXXX and XX/XX/XXXX since the closing date was on XX/XX/XXXX. I even asked to escalate the problem and spoke with the supervisor of the taxes department of the roundpointmorgage company. I also explained that these notices informed me that school taxes have to be paid off by XX/XX/XXXX and XX/XX/XXXX respectively so that i get the 2 % discount or at base until XX/XX/XXXX and XX/XX/XXXX respectively otherwise there is penalty 10 % if paid after XX/XX/XXXX and XX/XX/XXXX respectively and of course my account will be delinquent. The supervisor replied that they don't pay interim and supplementary taxes and that they have scheduled tax payment on XX/XX/XXXX, without explaining what exactly are these taxes. After these conversations, I realized that there was a problem of understanding each other. I was trying to avoid any mishandling of my case that's why I decided to sent another email with all documented evidence on XX/XX/XXXX and a reminder on XX/XX/XXXX and I even copied the people from XXXX   XXXX XXXX involved with my loan process. Up to now I haven't got any response from the supervisor even if I called the roundpoint mortgage on XX/XX/XXXX to see if there was any update concerning my case. 
I am in a situation that I'm not treated fairly at all and the terms of my original loan are not any longer valid with the new servicing company. 
I am a new XXXX  in the USA and I need your help because I don't know what else I can do for my case. It is totally unfair that I'm being es-crowed and at the same time they ask me to pay taxes that I have already paid. It is also unacceptable the way they behave to me as a customer which bring me to point to know my rights and if possible to get my escrow account in my hands and handle all these responsibilities in time. 
I would appreciate your support and guidance and I do apologize for my English mistakes in my effort to be as much descriptive as possible. 
Thank you very much for your understanding and support.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX, XXXX  XXXX XXXX XXXX XXXX, AE XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-12-09
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)

XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.
Consumer complaint received 2022-01-04
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

In XX/XX/2023. Upgrade Inc reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.