davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (TX)

I did not give the companies below consent to access my credit report/profile! 

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXXXXXX XXXX* Balance : {$42000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}
Consumer complaint received 2023-01-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1800.00}
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (FL)

Hello! My names XXXX XXXX. I am XXXX XXXX XXXX and reside in FL. 
I believe my identity has been stolen. I have multiple charges from AVANTE, a retirement home here in town which i have never been to ; im only XXXX! I have XXXX marks from AVANTE, and I am not associated with them. 
My credit is horrible and I'm young and trying to live my life. This makes me sick to my stomach.
Consumer complaint received 2023-01-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1800.00}
Consumer complaint received 2023-01-23
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-23
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. (AR)

I have a loan with XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}. Under the Fair Credit reporting Act, I am requesting that you correct the disputed accounts to appear accurate information on my Credit Report.
Consumer complaint received 2023-01-23
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and 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 2023-01-23
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. (MO)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
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. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
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. (NM)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-01-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I tried to refinance or get a loan modification considering I had difficulty. The amount of paperwork, phone calls and struggles, I was denied every time. They said I did not qualify if I made my payment sin time. The mortgage was {$4300.00} and interest rate was close to 8 %. I ended up loosing the building and forced to sell in a short sale and paying about $ XXXX Wells Fargo for the short sale in XXXX.
Consumer complaint received 2023-01-23
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I have already tried before to resolve this fraudulent account with this company. This account is a result of fraud. I have never conducted any business with ERC or XXXX. Its not my debt, and their still reporting it on my credit. I demand a copy of the original contract with my Signature. They are in violation of the federal and state Fair Debt Collections Practices Acts. If they can't or refuse to provide the original contract with my signature binding me to this entity. Which means they are also reporting inaccurate information on my credit profile, which is a violation of the Fair Credit Reporting Act and must be deleted within XXXX days. This is my last time requesting this fraudulent account be removed. I will proceed with legal actions if this isn't rectified expeditiously.
Consumer complaint received 2021-12-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

THIS ACCOUNT WITH PORTFOLIO WAS UPDATED AS DISPUTED BUT FAILED TO PROPERLY INVESTIGATE. DID NOT PROVE BEYOND A REASONABLE DOUBT.
Consumer complaint received 2023-01-20
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

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 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I received a first notice of tax sale from a lawyer dated XX/XX/XXXX and contacted the local XXXX XXXX Department of Finance/ went to the courthouse to speak with someone. I was not receiving any of their notices as they were being sent to the previous owner and the reason for it was that only half of the XXXX tax bill was paid. I called SLS on XX/XX/XXXX and informed them of the issue, and was told they would look into it and provide an update. This required two attempts at calling, with the first person telling me that I was bringing up a scam when I mentioned that a lawyer purchased the tax lien since it went unpaid for so long. That first person appeared to hang up on me and did not call me back at the number I provided at the beginning of the call. 

On XX/XX/XXXX, I was contacted by the contact I spoke to with the Department of Finance saying that the tax was paid, but the lien still existed due to unpaid legal fees. I see an escrow analysis document showing the payment on XX/XX/XXXX in my online portal, but I was never told about this or contacted by SLS in any way to tell me that they were paid. I was originally recommended by the Department of Finance to not personally contact the lawyer but to instead go through the mortgage company. I called the mortgage company later that day, and again was met with hesitancy regarding fixing the issue. They refused to take the name and contact information of the lawyer and insisted that they had paid everything even though the Department of Finance disagreed. 

I received a second notice of sale from the lawyer on XX/XX/XXXX by certified mail, though it is dated XX/XX/XXXX in the letter. I was told by SLS that they would fix the issue by XX/XX/XXXX, but I have spent a cumulative 14 hours on hold these past two days without being able to contact someone outside of being hung up on immediately after connecting once. I believe that I am very close to the six months since the sale of the tax lien and have gotten no help or answers about it. 

I have attached the letters sent by the lawyer. The first one got ripped by a pet, but the only difference is " First Notice '' instead of " Second Notice. ''
Consumer complaint received 2023-01-23
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)

XXXX XXXX XXXX XXXX is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. XXXX sold our loan to a different creditor in XXXX XXXX XXXX The only amount in dispute is XXXX payment we allegedly owe XXXX of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own XXXX real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to XXXX reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if XXXX is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the XXXX payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us hostage as it appears as though we are currently in debt {$1.00} XXXX dollars when in reality we are only in debt {$600000.00}.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is NOT my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

ACCT # XXXX BALANCE -- {$1200.00} PLEASE SEE ATTACHED MY IDENTITY THEFT REPORT WITH ALL DOCUMENTS CONTAINING THESE FRAUDULENT ACCOUNTS .... PLEASE REMOVE I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/19 I closed out an account with XXXX in the amount of {$12000.00} via cashier 's check. I went to BBVA in XXXX, TX to make the deposit. I was provided with a Funds Availability Notice stating there was a hold for the following reason : Next Day Item ( s ) Over {$5000.00}. The hold amount was for {$7200.00} and would be made available on XX/XX/19. 

I checked my account today, XX/XX/19, and noticed my funds were still on hold. I called BBVA at XXXX and was talking to representative XXXX. He told me on his system he showed a date of XX/XX/19. I stated I had paper proof that my funds would be available today. He suggested we contact the branch I made the deposit at to verify the information. The branch representative told me that they made a mistake in the hold process and redid the hold. They told me they sent me a letter stating this, but I have not received the letter. That was over 7 days ago and I should have received some correspondence about their error. He told me that the funds will be available XX/XX/19. 

I have had issues with BBVA since I have opened an account with them. I have had purchases declined, a XXXX  debit card error, and now I have over {$7000.00} being withheld from me.