davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (GA)

Realtime Resolutions out of XXXX TX took over my loan from XXXX in XXXX XXXX. I had filed Bankruptcy XXXX and made my monthly payments for XXXX 1/2yrs with no contact with them until XXXX XXXX when they started sending letters to my Lawyer saying I was behind {$3200.00}. on the loan. I had my Banker look over the loan history in XXXX XXXX and with her assistance we called RTR to get the account straight. The account was corrected by a XXXX XXXX and we agreed that the loan was behind {$1100.00} for which I agreed to pay it back plus the monthly payment over a 4 month period from XXXX XXXX to XXXX XXXX. 
I made all the payments that were agreed and then the regular payment from that point on. I contacted RTR for an issue with them not sending me monthly statements around XXXX XXXX and found out my account is behind again {$330.00}. I sent RTR proof the payments were made from XXXX to present showing bank statements and cleared checks for which they are refusing to accept. I contacted my banker again and had her go thru the loan history and the letters RTR was sending and says RTR is sending conflicting information that doesnt add up in any direction. I need your assistance to find out what is going on.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I had credit owed to XXXX  XXXX but was sent to collection in XXXX to XXXX, XXXX, and XXXX XXXX in Pennsylvania. I had arranged a payment plan with them as soon as I got the formal written notice and investigated them. I also knew they were the company my debt was sent to because XXXX XXXX told me in a written notice. I finished paying in XXXX. 

Midland Credit Management is now threatening me with a law suit if I do not pay a {$3000.00} debt. When I first received the notice I called XXXX, XXXX and XXXX to verify the status of my account and they told me it was closed out as it was paid off. They suggested double checking with XXXX XXXX, which I did and they also had no record of me owing them anything. 

They still keep calling me and sending me written notifications of a legal action against me if I do not pay them what I " owe ''.
Consumer complaint received 2022-05-16
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. (GA)

I purchase a XXXXXXXX XXXX ticket to Virginia through XXXX and had XXXX payment to each month. I paid off the XXXX payments early. I go to my review my credit score and it dropped XXXX point because the affirm company reported me as delinquent. It is causing great harm as well as a various inconvenience regarding apartment rental, car purchase and so forth .The XXXX XXXX on my phone gives me nothing to work with.
Consumer complaint received 2022-05-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.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 2022-05-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.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 2022-05-16
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. (TX)

In accordance with the Fair Credit Reporting Act the XXXX Account XXXX XXXX account number : XXXX, and Account name 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I'm getting repeated phone calls many times a month from this debt collector ( XXXX XXXX XXXX ) even after we have made payment arrangements to pay once a month. They always call even after I make a payment and continuously harrass us for more money. If I don't answer the phone I will get multiple voicemails. I want them to stop calling me altogether and allow me to pay the debt without being grilled and harrassed on when I'm making the next payment. They don't even wait a full 30 days from the last payment before they start calling for the next one.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

Lost job due to COVID, missed a couple of payments and now they want to take the house. 

We make less than {$2000.00} a month and they want us to pay more than {$1700.00} a month for our mortgage. 

I am a veteran and have not been treated fairly. 

My original mortgage was {$21000.00} in XXXX and now we owe more than {$22000.00}. 

We do not want to lose our house.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exists. 

On XX/XX/23 I put this statement on my credit report its not been over 30 days so they need to close the dispute and remove all of the items, instead the credit investigation is still open
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
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. (PA)

The Credit bureaus stated XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes. 

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since 2012 I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX ( Credit Limit ) {$63000.00} I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; Transunion, XXXX, and XXXX. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these 3-debts as valid and verified. Transunion and XXXX  failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (TX)

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with Aspire Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX} in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX  giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Consumer complaint received 2022-12-22
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I wrote XXXX XXXX EXPERIAN and XXXX regarding some accounts on my report that looked suspicious asking them to verify the accounts and they have yet to do so. Subsequently i filed a FTC report and a police report which Ive attached. As you know 15 USC 1681 c-2 states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency As i stated Ive attached all the necessary documents for these accounts and the FTC report has a list of said accounts.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Re : Inquires on my XXXX I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
XXXX XXXX court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : Transunion Inquiries on my credit report I have reached out to all creditors and Transunion to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
XXXX XXXX court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

See Attachment
Consumer complaint received 2021-08-28
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. (TX)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-16
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)

The Credit bureaus stated XXXX XXXX XXXXXXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes. 

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since 2012 I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX ( Credit Limit ) {$63000.00} I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY
Consumer complaint received 2022-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I HAVE ATTEMPTED NUMEROUS OF TIME TO HAVE HARD INQUIRES REMOVED THAT I DID NOT AUTHORIZE THAT ARE ON MY TRANSUNION REPORT. TRANSUNION STAFF CONTINUE TO IGNORE MY REQUEST AND HANG UP WHEN I ASK TO SPEAK WITH A SUPERVISOR. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND I AM AWARE THAT REPORTING FALSE INFORMATION ON A CONSUMERS CREDIT REPORT IS GROUND FOR REMEDY.