davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-06-10
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. (GA)

Erroneous Direct Violation Of The FCRA Professional Debt For months now Ive been disputing these items im getting so angry please please remove these from my credit report these are fraudulent i file a police report and ftc report Equifax WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 

XXXX XXXX XXXX Opened XXXX {$310.00} XXXX XXXX XXXX Opened XXXX {$310.00} XXXX  Opened XXXX {$320.00}
Consumer complaint received 2021-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (TX)

Fortiva opened up a credit card in my name illegally. They signed my name on the account. I never authorized them to open a account in my name. Fortiva has now ruined my credit to XXXX XXXX score. They keeping telling XXXX that i am late in payments, when i do not owe them anything. I do not even know who they are.
Consumer complaint received 2021-02-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (NV)

I have written multiple letters to Owen Loan Servicing XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.
Consumer complaint received 2020-12-02
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. (NM)

XXXX, XXXX and Equifax have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent you!
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

GM FINANCIAL IS SHOWING NUMEROUS LATE PAYMENTS ON ALL 3 OF MY CREDIT REPORTS WHICH IS INCORRECT. UNDER THE FAIR CREDIT REPORTING ACT, they are supposed to NOTIFY ME WHEN THEY ARE INSERTING NEGATIVE INFORMATION INTO MY REPORTS!
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Please note, I did have owe Macys charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called XXXX XXXX  called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/XXXX.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

I spoke with a representative that stated that I could pay the debt less than the full amount. He stated that the debt would not be deleted and it would show paid. He instructed me to file a dispute with the credit reporting agencies and state that it was paid then the collection would be removed. I set the arrangement and made the payment. I waited until the debt showed paid on my credit report then I did as he stated. I filed disputes with the the CRA 's. Well I received responses back from the credit bureaus stating that what was reported was accurate and it could not be removed. I am highly upset that a rep from that company would tell me to follow those steps to not see a removal. I feel that they rep falsified information just so I could make the payment. I think he knew that the CRA 's would not remove it from my report. Can you please help me?
Consumer complaint received 2018-04-10
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. (NY)

I have disputed an item with Experian many times. The company, XXXX has never sent or verified accuracy of service, proof of service, what services performed, etc., but Experian will not delete charge. All other cr edit agency es have disputed charge. I call to get a message put on credit report stating this is a pyrchased debt with no proof of service, but instead, Experian wrote some XXXX message that does not alert other companies to the real problem.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

On XX/XX/2019 i reserved my right to dispute two medical debts that were on my credit report that i believed to be inaccurate and not valid. I sent SCA collections a debt validation letter asking them to send proof that these alleged debts they are reporting are indeed accurate and belong to me. On received a letter from SCA collections dated XX/XX/2019 they responded by sending me a questionable itemized statement disclosing treatments and procedures which can be clearly seen in the letter i have uploaded as proof of this claim. The disclosure of such information is a clear HIPPA violation and a violation of my privacy. I consider this a very serious matter. SCA Collections failed to send proper debt validation as well as a signed HIPPA release giving them the right to possess such information. This violation of my privacy is a matter that I will take legal action on if SCA Collections does not immediately remove these invalid accounts from my credit file.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I used my Chase credit card ( Cardmember Services ) on XX/XX/XXXX to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of Next Level Investments, XXXX. The contract says that the company would charge the initial deposit of {$2500.00} to the card ( provided over the phone ) and the balance after the work was completed. The company charged the entire amount of {$5.00}, XXXX to the credit card without my permission. I sent an email to the company on XX/XX/XXXX informing XXXX XXXX of XXXX XXXX XXXX of this error. On XX/XX/XXXX, I emailed the company again, after he had abandoned the job site without completing the job as per the contract about the fraudulent charge. I have not heard from the merchant. I contacted Chase credit card services to dispute the charge. I sent them supporting documentation and they informed me that the charge is valid because the merchant has my signature. I contested the charge because XXXX XXXX XXXX only framed a third of the house and that I would only pay one third of the bill. I am requesting your help with Chase credit card. If the contract says initial deposit of {$2500.00}, Chase 's decision to uphold the merchant 's request is an indicator that the merchant 's actions are legal and valid. I am willing to pay {$2500.00} as agreed upon but I refuse to pay the full amount that was erroneously charged to my account.
Consumer complaint received 2018-10-10
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: Credit Karma (IL)

Signed up for credit karma.com today. 
Credit karma never disclosed when advertising for sign up that it is a hard inquiry my score went from XXXX 20 points down just for an inquiry.
Consumer complaint received 2018-10-10
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. (AL)

There was a fraudulent " hard inquiry '' on my credit report from someone using my name and SSN to  apply for an account with XXXX. I have no account with XXXX  and my SSN was used fraudulently. I have spoken to XXXX and Transunion. I was told from Transunion to get a letter of deletion from XXXX, and XXXX told me to contact you all and file a complaint.
Consumer complaint received 2018-03-09
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: EQUIFAX, INC. (CT)

On XX/XX/XXXX I checked my credit report and noticed that an account that was DELETED on XX/XX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Equifax " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Equifax confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX!
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This is a formal complaint against XXXX XXXX  XXXX  located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

XXXX XXXX deleted the bankruptcy XX/XX/21 they reported to the bureaus because it was inaccurate reporting. Equifax then deleted it XX/XX/21 now they added it back to my report XX/XX/21 this is illegal inaccurate reporting if this doesnt get deleted asap I am hiring a lawyer and WILL DEFINITELY MOVE FORWARD WITH A LAWSUIT AGAINST EQUIFAX
Consumer complaint received 2023-03-29
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

My financial information was hacked and used to purchase an item without my consent. I immediately contacted the vendor and my financial institution notifying them of the issue and providing documentation showing my claim of fraud which USAA subsequently ignored. I did everything to notify USAA that my data was compromised and still the bank refuses to credit my account
Consumer complaint received 2021-12-05
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant Mercantile Agency (CA)

I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. 

My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX GRANT MERCANTILE AGENC XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} XXXX {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (MD)

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 items 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I applied in XX/XX/2021 to refinance my mortgage with Wells Fargo who currently service my loan. I applied for a 15 year term from 30 years currently and a lower interest rate. Currently it's 4.375 % and I was quoted 2.375 %. No cash out. My home is a low income housing unit in which requires certain criteria to be met in order to refinance. I have met all criteria and am qualified. Wells Fargo is on the list of qualified lenders for low income housing however they have no idea how to close this loan. Its been 6 months and I've called every 3 days or so and have been working with the mortgage processor and still every time I call I get a different excuse. I feel that they are discriminating because its a low income housing unit and I've complained to all departments, supervisors including the XXXX XXXX XXXX. Wells Fargo continues to tell me that they are working on my loan in which I've qualified for and every document needed I have submitted. It's been 6 months going on 7 of nightmare dealing with this bank. Please help.
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (NY)

Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.
Consumer complaint received 2023-03-29
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Balance : {$360.00}
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (TX)

I don't know what happened but this company XXXX has once put a debt on my account from several years ago. It got it investigated and taken off my report but they still call me every 2 to 4 days. They also change phone numbers. I have blocked several numbers. I just want them to leave me alone. I have screenshots.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX  XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. XXXX date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and Equifax date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with Equifax as being paid on time. Date of last payment with XXXX and XXXX are reporting date of last payment XX/XX/XXXX but with Equifax date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.