davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
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. (TX)

XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (CA)

Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (TN)

Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-21
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. (MD)

Experian is attempting to Delay an investigation that is taking almost 6 months to complete On XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file Again, attached is my Identification and proof of address
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The congress approved XXXX XXXX dollars for small business. Upon calling Bank Of America on XX/XX/2020, I was told I was eligible for the P.P.A ( Payroll Protection Act Loan ) I followed up by talking to my local S.B.A., and they said I was eligible for this relief. 
I have been doing business with Bank Of America with my business checking account for over 15 years. I also do my payroll through the partnership Bank Of America has with XXXX XXXX XXXX. When I went to apply online, I was told that I was not eligible. When I called Bank Of America they said I wasn't eligible because I didn't have a loan with them. This is not the bill congress passed. This was not what the S.B.A. was told. 
Bank Of America is taking tax payer money and only dispersing the funds via the Payroll Protection Act to basically guarantee their loans. If this isn't illegal -- -- I don't know what is. I have not had to secure a loan, because my business has stayed fluid off of existing cash flow. Now myself, and three other people who work for me are out of work, and we are not getting the protection we were promised from congress. In my opinion the banks have no right to disperse the funds provided through congress just to people who owe them money.
Consumer complaint received 2020-04-03
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX {$0.00}
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Sallie Mae was my initial loan servicer but then Navient took over. I am having problems with Navient who keeps trying to get me to go into forbearance, which I do not want to do, and the rep keeps telling me that anyone who is past due 3 months will automatically be put into forebearance, which I am totally against. Due to COVID-19, the White House announced 0 % interest on Department of Education ( DOE ) loans effective XX/XX/XXXX. However, Navient keeps telling me that I do not have a DOE loan ; therefore, I do not qualify for 0 % interest and I must apply for forbearance.I keep telling the multiple reps and supervisors whom I have spoken with, that my loans are DOE loans. I heard about the past lawsuits where Navient was incentivizing employees to encourage burrowers to postpone payments through forbearance. It appears that they are at it again. Please assist in this matter. Navient needs to be stopped with this draconian style of servicing!!
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Several months ago staring in 2019, I attempted to refinance our home at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was attempting to refinance {$140000.00} from a 30 year fixed mortgage to a 10 year mortgage with the same company that currently services the mortgage, Roundpoint Servicing Corporation, XXXX XXXX XXXX, XXXX, N.C. XXXX. We paid for an appraisal of {$450.00}. I have called or attempted to call the company on numerous occasions and have continually been put off or told that action would be taken. I have not received anything further in writing and have not received any definite dates when action will be taken. It has been at least 3 months now and I have not been able to get action on this loan application despite numerous calls to the company.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$89.00} ; XXXXXXXX XXXX XXXXXX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 


XXXX XXXX XXXX Filing Date XX/XX/2016 Docket XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX  and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (MD)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc. (MI)

I received an invoice from a collection agency, Arbor Professional Solutions,  dated XX/XX/XXXX ( See Attachment ). 

On XX/XX/XXXX, I wrote a letter disputing the debt to Arbor Professional Solutions and requested the original medical invoice for the alleged debt. ( See Attachment ) Arbor Professional Solutions submitted an invoice for the alleged debt per my written request. Their letter that accompanied the invoice was dated XX/XX/XXXX but I did not receive this letter until XX/XX/XXXX. ( See Attachment ) On XX/XX/XXXX, I contacted XXXX, a business that has all of my medical loans and inquired as to whether it had included this invoice in a previous loan. They said it had not. 

On XX/XX/XXXX, I contacted the original medical service provider, XXXX XXXX, XXXX XXXX XXXX, XXXX, Michigan, XXXX-XXXX, ( XXXX ) XXXX, and spoke to XXXX, a billing staff member at said facility. After a review of the account history, I was informed that I had paid a separate company, XXXX, for my service invoice on XX/XX/XXXX. XXXX then informed me that she would call Arbor Professional Solutions that same day, XX/XX/XXXX, to correct the error. 

After a review of my prior paid medical bills, I did pay the invoice at issue to XXXX on XX/XX/XXXX. I am requesting proof of said payment from XXXX XXXX XXXX XXXX which is the card to which this payment was made. Unfortunately, XXXX online credit card statements only go back to XXXX. 

On XX/XX/XXXX, Arbor Professional Solutions reported the alleged debt amount of {$510.00} that was already paid to another company, XXXX, to XXXX XXXX XXXX while the debt remain disputed and without further investigation regarding this disputed debt ; this action by Arbor Professional Solutions was done in the middle of the COVID-19 quarantine in Michigan. Their action immediately caused my credit score to drop 35 points and I have evidence for this reason for the drop in my credit score. I have already been financially harmed from the COVID-19 quarantine and I now worry about losing credit availability to pay bills until my law practice is again fully functional. This was caused by Arbor Professional Solutions ' unlawful collection action. 

Arbor Professional Solutions violated the Fair Credit Reporting Act for reporting a disputed debt to a credit reporting agency and failing to report that the alleged debt was disputed when doing so, and for failure to investigate my written dispute before reporting the alleged medical debt to a credit reporting agency.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Do to the Coronavirus millions of people are having financial difficulties but this company refuses to do anything to help anyone out in this situation. they are completely selfish and all they want is their money they could care less about their customers or people in general these people should be reprimanded by the government it is absolutely unacceptable for them to treat people the way that they do. I am having financial difficulties through no fault of my own. All other loans, creditors, landlords, banks, mortgage companies are all helping with deferred payments, forbearance or skip pays. They are the only ones who wont. This will hurt me even more then I already am. I have spent the last 10 years clearing my credit and rebuilding and because they are not willing to help their customers, I will lose it all because of this ONE company.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (GA)

A purchase an RV from SST and after a month of having the unit my husband had XXXX XXXX. I call them Immediately and told them I would like to volunteer surrender the unit. It took them 5 months to finally pick the unit Up. They sold the unit at an auction and then I had a remaining balance they wrote it off and turned it over to a collection agency I called the collection agency to try to set some kind of small payment To pay them. They would not accept any payment from Me. They said I would have to pay the whole balance which was {$15000.00}. I am on XXXX and do not have {$15000.00} in my account in they refused to take Any kind of payment from me. So now they report every month my payment is Late and add interest to it. Could you please help?
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$1700.00} XXXX  XXXX XXXX  XXXX {$450.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}