davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (FL)

Within the past few weeks, I opened a complaint with CFPB regarding this same credit card account that was in a collection with XXXX XXXX XXXX XXXX under complaint number ( s ) :XXXX,XXXX,XXXX & XXXX. Once I provided the police report # and FTC ID theft affidavit/complaint # XXXX XXXX XXXX they then sold this disputed account to a collection agency called, FirstSource. This is a clear violation of the Fair Debt Collections Practice Act. Even after illegally selling this disputed account to the new collection agency XXXX XXXX XXXX continues to report their name on all 3 of my credit reports. I am once again now alerting FirstSouce collections that this account is from identity theft. I am providing the police report and FTC report numbers. Furthermore, I was also notified by XXXX  that my personal information was in fact compromised during the 'XXXX  Breach '. FTC ID theft report/affidavit # XXXX & XXXX PD report # XXXX by Officer XXXX, badge # XXXX.
Consumer complaint received 2018-05-01
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. (MO)

On or about XX/XX/2017, I filed a dispute with TransUnion to investigate information reported by XXXX. XXXX has refused to remove delinquent payments on my credit report, as XXXX agreed to remove the delinquent payments as outlined in a signed Repayment Agreement under the Loan Rehabilitation Program. I completed all of the requirements of a Loan Rehabilitation Program with the debt collector, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, regarding XXXX- USA Funds, XXXX Account # XXXX. XXXX and its representatives indicated that delinquent payments previously reported were deleted from the credit file of national credit bureaus after I completed all the requirements of the Loan Rehabilitation Program and transferred to the new lender. I signed the Repayment Agreement under the Loan Rehabilitation Program ; signed the Borrower Acknowledgement Form ; and completed the rehabilitation program. XXXX refuses to adhere to the terms and conditions of the agreement, as XXXX did not contact the national credit bureaus and notify the credit bureaus to delete derogatory credit rating previously reported by the guarantor in reference to the loan ( paragraph 3, line 4 ).
Consumer complaint received 2022-06-16
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: DISCOVER BANK (NC)

I have been disputing discover with XXXX for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to discover. They did not discover has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX discover they even sent a letter and now XXXX still doesn't have it. 30 days later.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

this company will call you multiple times a day weather your payment is late or not. If you try to explain your situation they disregard anything you have to say. They threaten they will lower my credit score and tell me to turn in my car and get something i can afford. all of my payments have been on time except this one time. they are very rude and if you ask to speak to a manager he is either on " vacation '' or " not in at the moment ''. they will give you various names of the supervisor as well. they call my family and tell them personal financial issues. i asked them to kindly not call me during my work hours but they continue to call 3 times a day until i answer. they also email me. i am extremely infuriated with this company. there have been instances where my monthly payment is more than what it should be and they can not give me a legitament reason on why they are charging me more. i believe this company is crooked and needs to seriously be looked at. i fear they will lower my credit score and repossess my car even though this is the only payment late due to an unexpected financial loss.
Consumer complaint received 2021-05-08
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. (AL)

I mailed Equifax a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.
Consumer complaint received 2020-07-26
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 — Problem with personal statement of dispute
Company: CBC Companies, Inc. (MI)

Factual Data Mortgage pulled a credit report in XX/XX/XXXX, I was trying to get finance to buy a house, the report they pull was Bogus, said XXXX   had not reported anything on my report and XXXX XXXX score was wrong as was XXXX I reported this company to the XXXX XXXX XXXX, got a call last week then today I looked a my experience report and the company had put on it that they pulled a report on XX/XX/XXXX, I was not even looking for a mortgage in XXXX, and FactuLData Mortgage want it to stay on my report until XX/XX/XXXX how can a company just lie and put and thing on your credit report, just because you reported them to the XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TN)

Account reporting, for credit and FICO Score purposes, issues with Pentagon Federal Credit Union. PENFED is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and XXXX  XXXX, are as follows. While I disagree with my XXXX  and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the PENFED reporting. PENFED indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
Consumer complaint received 2020-07-26
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)

Hi my name is XXXX XXXX, I informed Experian that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? XXXX  told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX  ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the data miner as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar (  Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to XXXX  or any means of automated verification.
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Poor investigation. XXXX did a timely investigation and found that these accounts did not belong to me and removed the information from my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX 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 2022-06-16
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: Experian Information Solutions Inc. (LA)

In accordance with the fair Credit Reporting act US Department of education XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2021, yesterday, I signed up for the Experian XXXX service, which scans various consumer financial accounts for on-time utility payments in order to increase consumer credit scores. After several qualifying transactions were found in my XXXX XXXX accounts, my score was boosted from XXXX to XXXX. As I continued to explore the Experian website for other tools and information, I was repeatedly bombarded by the claim " Take your new FICO score out for a spin! See what new credit cards you are best matched for '' ( as well as the screen to enter credit card information to subscribe to Experian 's premium service - that's literally the welcome screen any time I log in, and I must scroll to the bottom of the page to decline this " offer '' ). I clicked on this link to take my new score " out for a spin '' and, although I wasn't in the market for a new credit card, I was intrigued by what was described as a 97 % match between the card issuer requirements and my credit information. Here 's what it said, and still says at this moment, word for word : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- You are matched to this offer! 
We've done the research so you don't have to. Our technology works directly with the financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized that other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I went ahead and applied for this card, the " XXXX it XXXX XXXX XXXX', was instantly rejected, saw the hard inquiry on my credit report, and my score went down to XXXX. Now, while my score is 2 points higher than it was before I used Experian XXXX, the initial 5 point boost does not give Experian the right to then cause damage to my score in its pursuit of revenue from XXXX. Experian, of all organizations, should not be permitted to engage in such phishing/predatory activity and false advertising at the consumer 's expense. 

Today I called Experian about this, spoke to a representative who kept repeating that they can not remove a hard inquiry - although I said I know this and would simply like to know how they will rectify the damage they caused to my credit. I asked if I should go ahead and file my CFPB complaint ( she had never heard of the Bureau ), and she said that how about if she files a complaint to Experian, about Experian, with the hopeful result being that they will improve the website. I asked multiple times if I could please speak with a supervisor, and she changed the subject each time.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Hello! My girlfriend and I recently applied for an apartment and after running my credit score it was determined that we would be approved with " condition ''. My social security number seems to be what the issue was and it seems like the company may have run my wrong one. I know i have a clean record and I have my social security card to prove that it is correct. My apartment complex is saying because of the flag on my social security they are charging us {$220.00} extra. So I am trying to get this fixed so that we aren't liable for the fees.
Consumer complaint received 2022-06-16
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. (LA)

In accordance with the fair Credit Reporting act US Department of education XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Consumer complaint received 2022-07-22
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. (PA)

This is my NUMEROUS 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 accounts 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 Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2020-07-26
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. (NJ)

XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (NC)

Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount Recovery Systems, L.P. (FL)

Paramount recovery XXXX has overcharged my account in medical credit charges when XXXX XXXX  agreed to discharge payments charges due to severe health issues and agreement with low income and no health affordable insurance and health at death threat Paramount recovery should agree to terms just like XXXX XXXX  services and agree to better settlement instead of just ruining my credit in credit matters please help in this matter is very serious to me, thank you
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I have repeatedly asked XXXX, Equifax, and XXXX to delete all these derogatory accounts that are reflecting on my credit report. I never gave permission for them to furnish any of my personal information to my credit file regarding other creditors. This is repeated violations that I have been dealing with for years now and has had a major impact to my financial well being and has made it difficult to obtain the necessary credit to purchase a home for my family and to secure my kids XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my final attempt to get this resolved before I get my attorney involved and start litigation in this regards.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over 7 years an it has not dropped off yet.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have filed with check systems to remove bank accounts off my report I sent them a FTC IDENTITY THEFT report, they said they will not use it, I explained to them that it works the same way as a police report I have reported to check systems that these accounts had closed due to the fraudulent activity by the banks, ( XXXX XXXX   XXXX ) I called and had this account closed due the amount that was charged I disputed because it did not belong to me at all and ( XXXX XXXX XXXX XXXX ) an amount was charged to XXXX account for XXXX dollars that I did not authorize and when I contacted this company sorry trash company it was out of business I have repeatedly ask XXXX XXXX to remove this account from my file at check systems because of XXXX XXXX credit union (, XXXX XXXX XXXX ) I had contacted this bank I can't talk to any. manager things were changed on my account by XXXX XXXX XXXX, this c company is. not very honest with customers my account was charged an amount they couldnt explain I ask them to close my account, these banks have the same illegal process the same as XXXX which I have sued twice for fraudulent charges and transactions, please investigate checksystems, I'm tired of being called liar, and that FTC identity report should work as the same as a police report they have failed to help and these people are very unprofessional, so please help I wanted to report this activity any check systems, because there are also fraudulent inquiries on my report I want removed