davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts/inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONTRACT CALLERS INC (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from Contract Callers Inc XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson capital syst account XXXX on XX/XX/2020 said that i bought an XXXX XXXX 
ive never had an XXXX XXXX 
the number was out of state the address was out of state they say i have to pay {$960.00} someone stole my information!
Consumer complaint received 2021-06-09
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: U.S. BANCORP (NY)

US BANK - This account is reporting differently between the bureaus and a direct violation of FCRA 623 Responsibilities of the data furnishers. Investigate thoroughly and update or remove them.
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

I previously had my loans through XXXX but switched to Fed loan servicing approximately 3 to 4 years ago. 

Issue 1 ) I have been receiving what I believe to be inaccurate qualifying payment counts that go towards PSLF. I requested a manual recount of my qualifying payments over 9 months ago. I still have no response and am just continuing to be told that " it takes time. '' I have been making qualifying payments for just shy of 6 years. I paid ahead at one point and so realize I will not get credit for about 9 months of payments, but should have at least 5 years or 60 payments that qualify. They have me at far less than this. 

Issue 2 ) The other issue I have is that I recently re-certified my income for an income based plan. My payment went up more than expected. When I did research into this they had me in the IBR plan. If you look at my formal re-certification document from 2016 you can clearly see that I selected to transition to the REPAYE program ; and every year since have selected to stay in that program. This had led to increased financial hardship on my part. The answer from fed loan servicing was to request to switch from IBR to REPAYE now. Switching now instead of 4 years ago when I initially requested it has led to more interest accumulating which will now capitalize as I switch.
Consumer complaint received 2018-08-06
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)

I AM FILING THIS COMPLAINT BECAUSE XXXX, EQUIFAX, AND XXXX  HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX  XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
Consumer complaint received 2019-04-20
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 am filing this complaint today XX/XX/2019 because Equifax has ignored my post marked and USPS Tracking verified request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CA)

I submitted a document pertaining to a XXXX XXXX stating that XXXX XXXX would record a DEED that stated my name would be removed at the request of the loan company. XXXX XXXX stated that they could not locate that document. That document was presented to me in order to release my name from the Deed. The XXXX XXXX XXXX XXXX XXXX has instructed me to contact the escrow company that handled the sale of my property. I explained that I never sold my property or ever received a dime from the escrow company. This is what I was told, in XXXX of 2001 when I added XXXX XXXX as a Joint Tenant I was paid {$75000.00} and on the day that I removed my name from the DEED XX/XX/2001 I was paid {$170000.00}. I explained to the clerk that I only removed my name at the request of the loan company so my property could be refinanced. The amount of the loan was {$170000.00}. The clerk explained that XXXX XXXX would be able to explain the process. I took the DEED to XXXX XXXX and they assured me that the {$170000.00} was for a refinance, not a purchase. The refinance was used for the down payment of a property we were buying and XXXX XXXX released a check in the name of XXXX XXXX. XXXX XXXX has passed away with out a will. This information from the XXXX XXXX XXXX was unknown to me. What happened to the signed XXXX XXXX. What does XXXX XXXX know about the amount of money that the XXXX XXXX claims I was paid. I know I never sold my property or ever received any money from escrow.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (NY)

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, EXPERIAN OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EXPERIAN has caused severe stress and anxiety due to the abusive and unfair practices. 
The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to repair my credit for the last year and I am trying to buy a home, however the three credit bureau 's have been reporting different credit scores, I have been repairing because I want this cleared up and also want to buy my home. Seem like they take 30 to 40 points off my score and drops it way back down, however all my payments and credit cards are all paid up and I only get a 3 to 4 points increase that's just not right and want this fixed
Consumer complaint received 2021-04-12
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. (TN)

In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.
Consumer complaint received 2018-08-06
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. (AZ)

The following telephone numbers reported on my Trans Union credit report arent not my telephone numbers and dont belong to me : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX. The following employment data reported arent mine and dont belong to me : XXXX, XX/XX/XXXX  XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I applied to Chase for a credit card. None of their materials disclosed that they would deny credit if I had applied for XXXX or more cards within the prior XXXX months. I was denied credit which lowered my credit score. Had I known the policy I would not have applied. I complained to Chase who explained that multiple card applications presented a risk. They claimed they would not know how the other credit was used. Most of the cards ARE WITH CHASE so they know exactly how the cards were used. They also access credit reports that show how those other cards were used. So their explanation is both false and deceptive, as is is their refusal to disclose the policy in their solicitation materials. I want them to ACCURATELY disclose to all and to be sanctioned for their arrogant UDAAP practices.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (NC)

I sent a debt validation letter on XX/XX/2022 and this company has failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

company : Medical Revenue Services Medical data Systems, INC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX
Consumer complaint received 2018-08-06
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. (CO)

My account balance with XXXX XXXX XXXX is {$0.00} and has been for nearly a year now. TransUnion continues to misreport my account even after sending confirmation and proof showing balance is {$0.00}. Multiple complaints filed with TransUnion and they refuse to correct the reporting.
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (TX)

In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years
Consumer complaint received 2018-08-06
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX   XXXX, Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, Transunion ), XXXX XXXX  IL, Account # XXXX { Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ).
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc. (AR)

We moved from our apartment in XX/XX/2014, we transfer all of our utility and was told by the companies that we were paid up on everything. Apparently we were not-We are in the process of trying to buy our home and we pulled out credit a few months prior today. We found a collection on our credit report from XXXX XXXX XXXX. They placed a collection on our credit in XX/XX/2014 for XXXX XXXX XXXX XXXX. This was a very surprising. We have never heard of this company, nor received paperwork from them or the electric company. 

I called and set up payment arrangements with them to take care of the balance, we were under the impression that the account would be removed from our credit report. But the company did not do that-we found out that they re-aged the account to reflect the payments, which made it look like it was a new account on our credit report. My wife tried to call them and she got two different answers from a collector and the supervisor. She was first told that they ( the collection company ) is not reporting the item and they we need to call the original creditor to get it remove. Then the supervisor stated that they report the payments on the credit and will update as need. We told them that we never received paperwork from their company and we were the ones that contacted them- Both the collector and the supervisor didn't have our correct address and we had to correct them twice. The supervisor stated that the company didn't get any returned mail so they are going to keep it on the credit. 
This is not right-I didn't know that I could dispute this debt, or have the right to talk to the original creditor. I still don't have a clue what months I was charged for-I didn't even get a chance to pay it and keep it off my credit report ( the supervisor stated that if the account was in there office over 60 days then they report to the credit companies ) When I paid the bill, I was not advised of any of these rights or that paying this account would re-age this account and lower it 25 points.
Consumer complaint received 2018-08-06
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-XXXX, Reference # XXXX ( Experian, XXXX  ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( Experian, XXXX, XXXX ), XXXX   XXXX, Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, XXXX ), XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX ).
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

sent report to experian, XXXX and XXXX XX/XX/2022 in regards to inquires that i did not recognize. Inquires that were there in regards to loans at various dealerships, I spoke with them and notified them that I already had a vehicle and those inquires were not made by me.
Consumer complaint received 2018-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Heritage Financial Group, Inc. (OH)

We know that we have fallen behind on some payments but the company has told us if we show proof to why we are behind they can do a two for one payment or pay such amount that it will catch us up. But in reality we now owe more than the worth of the car. We got the car XX/XX/2016 for XXXX now they are saying we owe over XXXX for the car. We have provided documentation Everytime they have asked for it.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this statement is being generated by me. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B permissible purposes of Consumer Reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the written instruction of the consumer to whom it relates. I never gave these consumer reporting agencies my written or verbal consent nor instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No consent is identity theft. As a federally protected consumer, I am demanding the deletion of these listed accounts immediately. 

Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.