davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
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. (FL)

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-25
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)

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax PROFESSIONAL DEBT XXXX XXXX XXXX Equifax In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (IL)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-30
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello Bank of America This is in regards to a Fraudulent credit card open in my name. I have tried a few times to get this fraudulent card removed off my credit file and cease all collection activity. I have filed a FTC report regarding this fraudulent credit card.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (GA)

On XXXX XXXX, I disputed a public record on my Equifax credit report via their online service. On XX/XX/2020, I received results via their online service stating that the public record had been updated. I noted that in their response, the updated information for the public record stated a file date of XX/XX/2020. I then called them on XX/XX/2020 and spoke with XXXX then her supervisor XXXX advising them that I did not file for bankruptcy on XX/XX/2020, that I was not a resident of XXXX, and that I did not even live in the state of California. I also advised them that this must be some kind of mistake as I already had a fraud alert on my account and that I was a victim in their data breach, and because of this Id also frozen my XXXX XXXX profile to protect my information. I then asked how was the public record verified. The rep told me that they verified that I filed for bankruptcy on XX/XX/2020 with the XXXX court, so I then asked what is the name of the person they spoke too. She then said they used a third party vendor who also verified their information directly with the court in XXXX, CA, but she would not give me the name of the 3rd party vendor. The rep then forwarded me to their mix department and I began speaking with XXXX. I advised him of all of the above and he stated that he could open another dispute to have the inaccurate Public Record deleted off of my credit profile which would take bout 30 days. On XX/XX/2020, I logged into Equifaxs website and noted that the Public Record was still present on my, but they changed the  dates. The entry on my credit profile also states that it was verified via XXXX XXXX. I have included attachments of written correspondence from Equifax, as well as proof from their 3rd party vendor I received that my profile is frozen.
Consumer complaint received 2022-02-25
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. (TN)

There is a hard inquiry on my report by a merchant and/or bank I did not approve. Its name is XXXX XXXX. I did not do business with them, engage them or give them permission to make an inquiry. TransUnion will not remove the error. They said I must report it to you and then send your report to them. 

Can you please remove the XXXX XXXX inquiry? 
Note my address on file is XXXX XXXX XXXX XXXX, XXXX in XXXX, IL XXXX, but I'm in TN XXXX XXXX, 2022. 

Thanks! 
XXXX
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

Hello, I've sent in my PSLF forgiveness application to FedLoan Services BEFORE THE XXXX DEADLINE FOR PROCESSING. I have called countless times and spent hours and hours on hold for update and information. I have even missed days of work trying to get this resolved. After spending hours on hold one day months ago, I had a representative by the name of XXXX who spend hours on the phone with me and reviewed EVERY LAST ONE OF MY APPLICATIONS and stated " THAT ALL FIVE OF MY NEW APPLICATIONS SENT WERE CORRECTLY FILLED OUT. '' She stated " she saw the initial fax cut some things out but also see where I resent the information in correctly BEFORE THE INITIAL DEADLINE BEFORE TRANSFER TO XXXX. '' She also stated " THAT SHE HAD EMAILED MY INFORMATION WITH CODE NUMBERS TO HAVE A SUPERVISOR MANUALLY REVIEW AND PROCESS MY APPLICATIONS FOR REVIEW AS IT DID NOT DESERVE A TRANSFER TO XXXX. '' She states " that the requirement for a manual review is 6 weeks and I should hear something via mail when my applications were processed. She also informed me that " the computers were misreading PSLF applications and many correct forms were being ignored and misread. '' Tearfully, I thanked her dearly! XXXX informed me that I would hear of my loan dismissal in the mail after about 6 weeks as that was the current review time for manual review request. IT'S BEEN MONTHS AND I HAVE NOT. I AM ALSO GIVEN UNDESCRIBABLE RUNAROUND IN TAKING CARE OF THIS MATTER. 

I have called and called to no avail for an update and finally got someone who states my paperwork was received but transferred to XXXX. I called XXXX and XXXX states that my loans have not been transferred and are actually showing still on hold through FedLoan Servicing. I called FedLoan Services and told them XXXX said my loans are not transferred and are still currently being held by FedLoan. FedLoan Servicing then states " they see my applications for PSLF and I should here something. '' I HAVE BEEN DOING THIS FOR MONTHS. I MEET ALL REQUIREMENTS FOR LOAN FORGIVENESS AND CONTINUE TO GET THE RUN AROUND. 

PLEASE HELP ME! 

THANKS SO MUCH, XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates (NV)

I do not understand how they verified this account as being accurate when they have the wrong social security number noting in writing that I have sign with my social security number on it i talk to the original debtor because they inform me they had noting with my ssn on I they never report it on my credit report but also inform me if I paid the debt they would see that it is remove from the collection agency because I was in the process of buying a home and the debt was so low I agreed to pay for it and now I was unable to purchase the home because the collection agency would not remove this item from my credit report and they do not have my correct ssn number their paper work from the debtor they are still verifying as being accurate would like to get some help to have this remove from my credit report thank you
Consumer complaint received 2023-01-05
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. (VA)

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b XXXX Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

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

Thank you for your time and help in this matter.
Consumer complaint received 2020-03-11
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them to remove the late payments on the attached accounts due to the passing of the Heroes Act. The accounts are still reporting late payment during the Covid-19 Pandemic.
Consumer complaint received 2020-03-11
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX 1, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and the following inquiries : XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I was a XXXX  XXXX  for about 7 years. I resigned from my position at the end of last year. 
Me and my spouse decided to open our own XXXX. 
Long story short I completed a withdrawal from my retirement. 
I requested a check to be mailed to me. 
The check was lost but on the retirement website stated you'll receive your funds within 10 days of the check being issued. 
It took me over a month to get my funds. 
XXXX came and went and I was already in a loan modification with Wells Fargo and if I had received my funds correctly I would not be possibly looking at a home foreclosure because i couldn't make the payments needed before XX/XX/XXXX. I informed the XXXX retirement of my concern about my home. 
Nothing they could do even me facing loosing my home. 
Nothing, no help at all. 
Now I'm left with dealing with Wells Fargo with just started a new XXXX  .The rest should be self explanatory.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Snow and Sauerteig LLP (IN)

Snow and Saugerteig contacted me on XX/XX/2022 and left a voicemail to call back at XXXX am I called back at XXXX pm asking what the phone call was about. The representative stated a medical debt. I asked for a debt validation letter with copies of all the original documents showing my signature of this alleged debt. The representative stated they have sent me letters, which as of today I have never received. Then the representative stated they would only send me the letter if I send them a return postage envelope. I stated once again than can send this letter to my address. Or the can send me a letter of deletion if they can not validate my debt. She then stated the collection would continue. I explained that if she continued to harass me I would get a lawyer involved.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler and Associates, PA (KS)

COMPLAINT DESCRIPTION My debt was with XXXX XXXX, an attorney at law in XXXX, KS, on which I was making payments. I have included a document where it informs me that this debt has been transferred to XXXX XXXX XXXX, PA, along with all the payments I have made to them. I called the number XXXX XXXX XXXX provided, was transferred to an associate named XXXX, and was told to keep making the same monthly payments but send them to their address. I copied every statement with the check attached, the date, and the new balance after each payment. Then, in late XXXX of 2022, they sent a letter demanding an amount that had increased more than the original amount they said I owed back in XXXX. I have not missed a payment, and my bank confirmed they did deposit the checks. I'm in my XXXX and on a fixed income. I hope you can help. 



!
Consumer complaint received 2020-01-12
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. (CA)

experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent Transunion a letter to dispute inaccurate unverifiable personal information as well as unverifiable accounts on my Transunion Credit Report XXXX XX/XX/XXXX XXXX. I have sent several letters prior as well to them, but no changes are being made, which has severely hurt my chances of being accepted/approved for credit. I have suffered so much pain and mental anguish behind this issue, and I plan to seek litigation very soon against Transunion for reporting these erroneous statements on my credit file. There were several inaccurate Student Loans and Civil judgements that Transunion removed from my report on XX/XX/XXXX, because they could not verify the accounts. However, they keep putting these unverified accounts back on my report. In the letter I sent out today, I asked Transunion for the 3rd and final time to provide the method of verification that they used.