davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (FL)

I greatly appreciate you removing a portion of the fraudulent items off of my Credit File but I believe you still report a portion of the disputed items that resulted due my identity being stolen. I am requesting you to please comply with the Fair Credit Reporting Act section 605b and have the disputed items deleted off of my Credit File as soon as possible. I have read that under the provisions of the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by Federal law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, I request that you send me copies of proof of verification or any documents you might find bearing my signature to support such claims. If you found no documents, immediate deletion of the disputed items is to be expected. Once again, I am requesting you to please remove the following items off of my Credit File 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
Consumer complaint received 2021-12-27
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. (TN)

I recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to get my information corrected on my credit report and they have been illegally reporting the wrong information still on my report. They have been aware of this since XX/XX/XXXX, XXXXwhen I sent them a certified letter with tracking number XXXX using USPS to correct my name, date of birth, address, telephone number, social, and employers. To this day which is XX/XX/2021 they still have the incorrect personal information on my report. Not only are they reporting unlawful wrong information on my credit reporting they have failed to verify they information as well. On XX/XX/2021 they were asked to verify the legitimacy of a bankruptcy they are reporting on my credit report when I sent them a certified letter through USPS with tracking number XXXX. I never heard anything back from them and they are still reporting the bankruptcy on my credit report. On XX/XX/2021 they were asked to verify negative accounts posted on my credit report via a letter sent to them USPS with tracking number XXXX and all my advances to have them report the correct and proper information on my credit report have been ignored and unanswered. I have called them multiple times just for them to give me the run around and still not prove to me or show me proof as to why accounts and information is on my report being report illegally and wrong. On XX/XX/2021 they were sent another certified letter XXXX that provided them with an FTC report stating Im a victim of fraud and to remove all fraudulent information on my credit report followed up with 20 phone calls last one made today XX/XX/2021 at XXXX. They still refuse to remove the accounts along with the inquiries made on my report without my permission. According to section 15 USC 1681 there has been multiple violations that i am willing to pursue legal action if necessary if this is not handled in an adequate manner.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

XXXX {$2400.00} I HAVE CONTACTED THIS COMPANY IN REGARDS TO THIS COLLECTION AND WAS TOLD I WAS GOING TO RECEIVE A FRAUD DOCUMENT TO SIGN, I NEVER RECEIVED ANYTHING TO SIGN. I HAVE NEVER HAD ANY XXXX  PHONE SERVICE THROUGH XXXX
Consumer complaint received 2021-12-27
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. (IL)

XX/XX/XXXX and XX/XX/XXXX, loan amount was incorrectly reported. I have documentation showing a drastic increase in which the company did not provide any updates in writing.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In approximately 2021, Portfolio Recovery Associates , LLC, began calling me repeatedly even after I told the caller to stop calling my telephone number because I did not know of them or whatever names they were also associated with at that time. But, they are still calling all day-everyday.
Consumer complaint received 2019-09-10
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. (MD)

I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report.

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX/ XXXX '' I never applied or authorized this company to check my credit. I do not have any active account with this company.

Equifax failed to re-investigate. I also sent a letter to all three companies requesting for proof of this authorization, yet I received a response.
Consumer complaint received 2021-12-27
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. (TN)

I recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.
Consumer complaint received 2021-12-27
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. (TN)

I recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America (GA)

The letter I received indicated I could contact Financial Corporation of America through an online form to dispute the debt. Doing so, the letter said, would require them to stop collection until they sent information showing I owed the debt. The linked the XXXX XXXX XXXX 

I went there and all attempts to submit the form were met with a red error box stating XXXXThere was an error trying to send your message. Please try again later ''. I made no errors on the form, and even so there were no indications from the form as to which field may have triggered the error. In short, it is impossible to contact them via the form they provide if one wishes for them to cease collection until given information regarding a debt.

Additionally, this form is part of a website plugin I used to use daily in my previous website development career. I am very familiar with the error it returns. I have a strong suspicion that, given the incentive this collection company has to have debtors not contact them, they may have orchestrated the website in the backend to return this error on purpose.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX  ) XXXX
Consumer complaint received 2023-04-10
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)

Despite multiple written requests, the unverified accounts are in question. listed below continue to report on my credit report in violation of federal law. These accounts are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-27
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. (FL)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-09-10
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. (UT)

XXXX XXXX # XXXX***XXXX  is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on my credit.
Consumer complaint received 2023-04-10
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. (FL)

Despite multiple written requests, the unverified accounts are in question. listed below continue to report on my credit report in violation of federal law. These accounts are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

I have mailed letters to all XXXX credit bureaus & a direct letter to GLA Collections asking for documentation to validate this supposed medical debt. I only receive bureau mail that states it has been investigated and verified? Nothing from GLA?
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint falsified to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX that I did not qualify for a covid modification because my loan was more than 60 days past due on XX/XX/XXXX. 


I spoke to XXXX XXXX and the representative said that this means 2 payments. I was not more than two payments delinquent on XX/XX/XXXX. Yet, Shellpoint is playing games with my payment history and the confusion about 30 days translating into one payment. 

Background only on how we got here.-I successfully completed a trial modification that Shellpoint withdrew for unethical reasons because I paid the amount on their statements that differed with the offer letter. Then, Shellpoint falsified to XXXX XXXX that I did not make all three trial payments. Shellpoint was supposed to have sent me an approval letter on XX/XX/XXXX according to my single point of contact XXXX XXXX. But, he said his superiors, in which XXXX XXXX is his supervisor, overruled him and asked for another trial modification. Shellpoint claimed it was what XXXX XXXX approved, but XXXX XXXX said the decision as 99 % Shellpoints and XXXX XXXX had not been given the facts favorable to me. But, Shellpoint has mischaricterized what happened as though I failed to comply with the terms of the modification when in fact Shellpoint sent me different modification amounts on my official monthly statements, which I paid. I asked for clarification and Shellpoint refused to provide it. - End Background
Consumer complaint received 2019-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/2019 - I received a Default Notice from Specialized Loan Servicing on Loan # XXXX. That letter stated that in order to prevent foreclosure of the home and bring account up to date, I would need to submit the amount of {$40000.00} within 33 days of the dated letter. 

I had finally gotten all my finances under control so I decided to empty my XXXX and savings to get this account current. I called SLS to confirm the exact amount needed the cure the loan and was provided with the following number {$41000.00} which included the month of XX/XX/2019. I sent a cashiers check for that amount and confirmed receipt within the allotted time. 

A couple of days after I confirmed receipt of payment, I logged into my account to confirm my account was current, instead it showed that I still owed more than $ XXXX in the account. This was around mid XX/XX/2019 and ever since no one at SLS has been able to explain where the additional $ XXXX came from. They acknowledge that the payment was not properly applied yet, theyve proceeded to foreclose on my home based on that additional $ XXXX. 
I have sent letters to the CEO and EVP of operations and no one ever responds. When I call the resolutions department, they always promise to open up a ticket to get the matter resolved but it never does. 10 days later the ticket is automatically closed with no resolution. 

I have copies of the letters Ive sent, the emails and copies of statements and Its been now almost 5 months and my home is still in foreclosure. 

PLEASE HELP!
Consumer complaint received 2021-12-27
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. (OK)

I XXXX XXXX mailed Experian a notorized affidavit along with my dispute. I sent it to them via certified maid by the us postal service. It has been more than 30 days and no response. By law they need to remove all the negative items i listed im the dispute. I will not keep allowing Experian to violate my consumer rights. They are ignoring me and wilfully and knowingly violating my rights as a consumer.
Consumer complaint received 2021-12-27
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Consumer complaint received 2019-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I got a pre-approval for a car loan with XXXX XXXX approx XX/XX/2018. I went to XXXX XXXX XXXX to purchase a car with my approval, which they said they would accept. They said they needed to re-run my credit to confirm that it had not changed when I arrived and I agreed to them running my credit to verify. During this time, they ran my credit multiple times with multiple banks resulting in multiple inquiries.I am attaching the pre-approval letter I received from XXXX XXXX as well as proof that used the XXXX  XXXX approval for my loan. I never knew of the additional inquiries and never approved them as I was already pre-approved which I did specially to avoid having multiple inquiries. I would like all of the inquiries from XX/XX/2018 removed from my credit report. Thank you.
Consumer complaint received 2022-08-31
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  ) account number 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-27
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: Financial Management Solutions, LLC (MD)

FMS/ FINANCIAL MGT SOLUTION XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX XXXX HAS BEEN TRYING TO COLLECT ON A DEBIT I DIDNT OWE. IN 2015 DO TO A XXXX XXXX XXXX I WAS INVOLVED IN A BLOCK OR TOW ( 2 ) FROM RESIDENTS RENTAL OFFICE LET ME OUT & CLOSED LEASE. THEN YERAS LATER OUT OF NOWHERE FMS IS TRYING TO SUE AND/OR COLLECT. THEY HAVE BEEN RUNNING MY CREDIT WITH OUT MY CONSENT OR KNOWLEDGE, MADE A INQUIRY ON MY CREDIT THAT I'M TRYING TO GET REMOVED. I HAD TO PUT A FREEZE ON MY CREDIT BECAUCE OF THEM AND RECENTLY THEY FALSIFIED A PAYMENT HISTORY OR CREDIT OF XXXX XXXX  MADE TO KEEP THIS ACCOUNT CURRENT AND ON MY CREDIT.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : USDOE/XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several disputes