davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
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. (PA)

On XX/XX/2017 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of XXXX ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2022-07-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2019-04-14
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. (WA)

I am very diligent in paying my bills on or before the due date never late I recently paid off my 2 personal loans and my credit card from XXXX and my truck at XXXX XXXX XXXX all accounts were paid as agreed never late I work hard at keeping my credit good when the 2 XXXX personal loans were paid off XXXX closed them paid as agreed and when my truck was paid off XXXX XXXX XXXX closed it paid as agreed no debt and now trans union and XXXX has destroyed my credit score trans union dropped by 75 points and XXXX by 55 points and when I asked them they said thats how it works and it wont change you have to start over its as if Im being punished for paying my bills as agreed on time never late you would think I would be rewarded with a higher credit score but NO something is wrong here the credit reporting agencys wouldnt even want to hear what my concerns were and theres not they can do about it what a shame
Consumer complaint received 2018-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I am writing to officially contest several hard inquiries that have recently appeared on my credit report, as provided by your agency. Upon careful examination of my credit history, I have identified specific hard inquiries that I believe are inaccurate and request their prompt removal.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

I was scammed by XXXX XXXX group. They made a settlement agreement with Chase. I have since voided contact with them. I have tried email and phone calls to Chase to void this and pay my total balance due over time. They keep saying it can not be done. I am trying to do the right thing and pay this account in full. They will not work with me. Today after being on the phone with them for XXXX minutes @ XXXX XXXX I asked them who governed them several times. I was told no one. I was told if the settlement amount of {$700.00} was not paid then the account would be turned over to a 3rd party collection agency. I feel I am being penalized for trying to do the right thing.I even asked if they could set up anew account, transferred the balance to it which would have no agreement. attached to the new account.All I want to do avoid any more negative activity as I try rebuild my credit. Before XXXX my score was XXXX now it it XXXX.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advantage Financial Service LLC (Idaho) (ID)

Advantage Financial Services in XXXX ID had sent me a letter stating that I owed XXXX XXXX XXXX money and that they were asked to collect. I informed Advantage Financial thru email on XX/XX/XXXX as well as faxes and phone calls that I had paid XXXX XXXX in full ; I supplied copies of my bills from XXXX XXXX, my EOB 's from XXXX XXXX as well as canceled checks showing them that I had paid this bill in full. XXXX XXXX  says that I owe money from XXXX but according to XXXX XXXX it was past the date allowed to be filed and that I didn't owe this money in the amount of {$220.00} from service dated XX/XX/XXXX because they didn't send me a bill XX/XX/XXXX I don't feel that I owe this money. I had sent everything that I am sending to you to Advantage on XX/XX/XXXX and because I never heard from them I was under the impression that this matter was settled now here I am in XXXX and they are still showing this amount due on my credit report and calling me over a year later since I sent them the information even though they have NEVER sent me anything in the mail stating that I still owe this money since XXXX. I have tried emailing them again on XX/XX/XXXX with this information but still have not heard anything from them, I don't think that they have even looked at what I sent!
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (GA)

Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

I was involved in the security breach with XXXX  credit bureau. As a result, I had the credit monitoring service XXXX XXXX   XXXX under XXXX for a certain period of time. When the time expired, I was given an option by XXXX   to sign-up for XXXX XXXX under Experian. At the time, I signed-up for XXXX  XXXX, there were a number of technical issues that I experienced when activating the account on their website. It took me several hours to sign-up for XXXX XXXX because of the technical issues that I had with its website. 
About a month later, I attempted to log into XXXX XXXX to review my account but was unable to do so. After several attempts to log into XXXX XXXX unsuccessfully, I contacted Experian. I spent about an hour trying reach a customer service representative to speak with because I continued to get automated responses. The customer representative for Experian that I spoke with worked with me for about 30 minutes to log into the XXXX XXXX site. When she was unable to assist me with getting into the site, and told me that it would be escalated to their Technical department for further help. The XXXX XXXX customer service representative never indicated, at any point, that the account had not been activated completely from the beginning. Several weeks later when I had not received a telephone from the Technical Support representative at Experian, I contacted them again on XX/XX/2019. It was at this point, I learned that the account registration had not been competed for some reason and as a result, it was not activated. I learned that even though I had technical issues with the XXXX   XXXX website that the credit monitoring service could not be provided. The supervisor, XXXX, also indicated there was nothing that could be done to allow me access to the credit monitoring service, XXXX XXXX, because of XXXX XXXX   policy. She suggested that I contact XXXX, and when I did, there was nothing that could be done even though it was a technical issue. This time I spoke with XXXX, of XXXX XXXX XXXX, at XXXX, who was unable to provide me with assistance to correct the issue because of the technical problem. 
It is unfair that I am unable to receive the credit monitoring service with Experian due to a technical issue with their website. Each company representative " blamed '' it on the other. And, it was not easy to reach a " live '' representative with the telephone numbers provided. I spent a considerable amount of time working with an automated system and speaking to individuals that I could not understand. I find it hard to understand that a company such as XXXX and Experian has no way to correct a technical issue that did not allow my account to be activated. 

If in the future, there is a class action lawsuit against both XXXX  and Experian for security data breaches, I would like to be included.
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XX/XX/XXXX, my credit report was accessed by XXXX XXXX XXXX. I did not give them written notice or authorization to pull my credit report. They assert they did not request the credit report. But, Trans Union does show they pulled my credit report. The result was that my credit score dropped XXXX points. Then, the same company, XXXX XXXX XXXX, experienced a financial loss and was unable to pay their employees and their independent contractors for 6 months. I am one of the former independent contractors who was not paid until XXXX of XXXX. My credit scorXXXX dropped another XXXX points because I could not pay my creditors. I am working on getting my creditors paid to be current, but this illegal pull of my credit report is still having affects on my credit. Trans Union refuses to investigate why my report was pulled without my authorization, and they will not give me the name or names of the people who pulled my credit report from XXXX XXXX XXXX I want to pursue the person or people legally that did this illegal act. 

One credit card company pulled my credit line in XXXX of XXXX, saying I was a credit risk. They reduced my line of credit from {$5000.00} to {$1800.00}. This affected my debt ratio because it increased my utilization from XXXX % to XXXX %. 

Then, XXXX XXXX  XXXX did not pay me for four months. I used my savings to pay my bills until I ran out of savings in XXXX of XXXX. Then, I did not pay any creditors. I contacted all of my creditors. A few agreed to work with me. But, most did not because on my credit report, it showed I was a risk due to a sudden change in employers. This implied I was fired. 

I WAS NOT FIRED. XXXX XXXX XXXX, here in XXXX XXXX, did an expose on XXXX XXXX   XXXX. They are currently under investigation by state and federal agencies for their embezzlement of state funds, their outright lies about state claims being denied, and their involvement in questionable loan companies.
Consumer complaint received 2019-04-14
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. (KY)

In XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my transunion report updated to a new 90 day late with the date of XX/XX/XXXX for this account. This was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on my consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX is reporting late payments on my account for XX/XX/2017 & XX/XX/2017. These lates are inaccurate. My account was set up to auto draft every month. I shouldn't have any lates and they need to be removed.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I paid my account every month on time online. But one month i got notice 30 days later that they never received my payment. I had a 30 day late pay put on my report by no fault of my own. I've tried to correct the issue with the company since i believe that it was their website that was the problem as I've never been late before or after.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

On XX/XX/2019 I filed a dispute with the credit bureaus regarding an account with Waypoint Resource Group. They responded that the debt was verifiable. On XX/XX/2019 I sent out a letter requesting Waypoint Resource Group to provide me with Validation of the debt according to the FDCPA. ( USPS Tracking XXXX XXXX XXXX XXXX XXXX ) As of today, I have not received a response. The debt is still reporting on my credit reports.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (TX)

I have made many attempts with this company to inform them of the Identity Theft I have suffer with my credit report. I have mailed in forms of the theft and disputed the account with XXXX, XXXX and XXXX. I made a report with the Federal Trade Commission XXXX. This collection department has refuse to removed this collection from my account.
Consumer complaint received 2018-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

In XX/XX/XXXX my husband lost his job due to a company merger. We immediately initiated the process for unemployment insurance and also started the mortgage forbearance process with Freedom Mortgage to ensure we did not lose our home. Since XX/XX/XXXX, I have had to submit additional information five times to comply with the more stringent standards of our FHA loan, and I did this willingly. However, several of the requests were for pay stubs ( mine and my husband 's unemployment payments ) for the most recent 30 day time period because time had lapsed between Freedom submitting the information to the underwriters and the information was considered out of date. Each time I called about this, I was assured by a Freedom representative that this would be the last time the information was delayed and that our forbearance packet was complete and would be submitted. Low and behold it is the end of XX/XX/XXXX and we are still on this stressful merry-go-round except we are back to square one. Freedom Mortgage lagged once again in getting everything to the underwriter and the entire submission expired. I now have to resubmit all documentation and include updated items. I was also told that I should call every day to check on the status - I will do this, but I really hold no hope in this helping.
Consumer complaint received 2019-04-02
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.

An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

On XX/XX/2019, I ordered my annual credit report by phone. This was after one year since my last year Equifax credit report was received, which was also not sent upon request through the annual credit report request process.

Equifax has now for years refused to send my annual credit report and the only reason I have received any of them from Equifax is because of my ongoing annual complaints filed with the CFPB.

I am once again this year requesting the CFPB to assist me in receiving my free annual credit report from Equifax.