davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (CO)

In regards to the complaint XXXX. The answer from Experian is grossly inadequate and does not apply to my complaint. My new complaint now is that EXPERIAN NO LONGER HAS A WAY TO FILE A DISPUTE AND THEIR PHONE NUMBER IS A USELESS RECORDING. They also flat out lied when they claimed that they never give out information on how to raise one 's score. I'm on their site now and am looking at a promo for a card right now saying it will help boost my score. So they lied right there. These credit reporting companies are nothing more than extortionists for hire.
Consumer complaint received 2021-11-08
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. (DC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-13
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. (CA)

1. collection agency XXXX XXXX reported on credit report Equifax with balance {$40.00} open balanceopened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

2. collection agency XXXX XXXX reported on credit report Equifax with balance {$58.00} open balanced opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

3. collection agency XXXX XXXX reported on credit report Equifax with balance {$120.00} open balance opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (WV)

Account resolution Service is contacting me regarding medical bills that were paid by insurance to the original creditor XXXX XXXX XXXX. By them selling my medical information to a second party company, they are violating my rights under HIPAA. One account is showing {$680.00}, another account is showing {$1000.00}, another showing {$910.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance Owed : {$0.00} TBOM/FORTIVA XXXX Balance Owed : {$1500.00} XXXX FIN XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX  XXXX Balance Owed : {$3200.00}, XXXX XXXX XXXX Balance Owed : {$260.00}
Consumer complaint received 2022-05-13
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. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (AZ)

In XX/XX/2022, my husband and I noticed that we had a collections added to our credit reports. The collection statement stated that we were 3 months past due for a debt we did not have any knowledge of. We sent letters to the debtor as well as the credit bureaus to validate this debt XX/XX/2022. On, XX/XX/2022 we received a validation response from the debtors that used past tense terms in their response. The validation response stated that we already had our chance to dispute the debt. I decided to call the account manager for verification of the notice they said they sent. When I spoke with the manager he stated that he notified me via phone call on XX/XX/2022 of the debt, that he explained the entire debt to me and that I responded by saying " I don't believe you '' and hung up on him. This accusation is completely false. We never received any notice or phone calls from this company at all. Not written nor on the phone. He told me to ask for verification of notice through writing, which I plan on doing. We are also still incurring interest on this debt while we are in the middle of a dispute.
Consumer complaint received 2019-04-26
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. (VA)

Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX/XXXX   XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX. XXXX, XXXXXXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX & XXXX XXXX. XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TN)

I have filed a complaint XX/XX/2022 for identity theft and improper use of reporting credit with Consumer Financial Protection Bureau. I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act, the following creditors has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCB/ROOMS TO GO, is reporting late as reported in my credit report. Lets erase this immediately. The Bureaus are required to verify for themselves, but they failed to verify nor remove this complaints.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX, XXXX acct # 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 2019-04-25
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. (PA)

A dispute submitted on XX/XX/2019 in regard to XXXX XXXX XXXX from the original creditor XXXX XXXX, was not resolved and did not fix the error reported to the credit bureau shown on my credit report.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (FL)

Accountability Act ( HIPAA ) is in place to protect my privacy and medical records from third parties. I do not recall giving permission to ER at XXXX for them to release my medical information to a third party. I am aware that the HIPAA law does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and violation of HIPAA law. 
Breakdown of fees including collection costs and medical charges and medical information were sent without my authorization. 
A copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX was not provided.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX  XXXX Balance Owed : {$3200.00}, XXXX  XXXX XXXX Balance Owed : {$260.00}
Consumer complaint received 2017-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

XXXX   XXXX  - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws,  XXXX  guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor.   XXXX   XXXX  which I contacted twice on  XX/XX/17   . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on  X/XX/17    because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information from my credit report.
Consumer complaint received 2022-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

I never took any money from any loan. I never took any classes. The disbursement of any loans for school were handled directly between Sallie Mae and XXXX XXXX. The loan with Sallie Mae was approved but never used. The college course was cancelled at the appropriate time with no faults or penalties. I have no late fee or payments that I owe. If the administrative personnel who is supposed to be in charge of making sure cancelled courses and payment disbursements aren't sent out did not complete the job correctly. It does not falter onto me if this is not resolved with the upmost urgency I will have no choice but to purse legal action.
Consumer complaint received 2018-02-24
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: ALLY FINANCIAL INC. (FL)

I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.