davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AL)

Experian is charging money to do a simple credit lock which is in violation of federal law! All they offer for free is a credit freeze which I don't want! You can't get a person to talk to as I tried them first!
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I am currently in the process of trying to repair my credit and find I am unable to obtain my Equifax credit report. There have been major changes to my file, according to credit monitoring services I have, and Equifax is denying my right to see the changes. I have tried on 3 occasions to order my credit report online and get a message saying I need to order through the mail and produce several forms of ID. This is unacceptable. The changes are derogatory and urgent in nature and I do not have time to go through these ridiculous procedures.
Consumer complaint received 2023-06-14
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. (OH)

XXXX Account # XXXX is a charge off account that is reporting inaccurate on my credit report all three Bureau are reporting different information different balance owe, different closed, different payments history if this is the same account why is the information different from my understanding its the Bureau job to report accurate information
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with Experian but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX  and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Heritage Finance Company, Inc. (NC)

Starting in 2007 my father knowingly recieved loans using his birthdate and my social security number. I was only XXXX. I later then applied for a loavn at my bank and was told that there was numerous loans with my dads birthdate and my social security number. I went to the company to resolve the issue. I showed them my identification proving I was a minor and my correct date of birth. they told me there was nothing they could do and It was up to me to get a copy of my dads ss #. I contacted my dad and he says the company is lying. I Want THIS FIXED
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

This is a follow-up of a previous CFPB ( XXXX ) that i submitted on XX/XX/2023 regarding an illegal entry placed on my credit report by Southwest Credit. Shortly after submitting my complaint they removed it and send me a letter I received a letter dated on XX/XX/2023 regarding an alleged debt owed to XXXX ( XXXX ). In response, I sent the attached validation request letter via certified mail on XX/XX/2023. Attached is proof that it was successfully delivered and accepted by Southwest Credit. The company ignored my validation request and sent me another letter dated XX/XX/2023 demanding payment. Attached are both letters that I received from them along with my request for validation letter and USPS certified mail receipts. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Please see attachments
Consumer complaint received 2019-07-30
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. (FL)

I have been trying for more than 10 days to fix an error on all three credit reports. XXXX fixed the error which was probably caused by their breach within 24 hours. I filed to have TransUnion also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX   XXXX XXXX XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both TransUnion and XXXX.  I have tried to contact XXXX  for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAW OFFICE OF JOHN E. LINDNER P.A. (MD)

I received a letter from the Law Office of John E. Lindner in XX/XX/2018 threatening to sue me on behalf of XXXX XXXX XXXX XXXX XXXX over debts of which I had no knowledge. The total amount of the claim was {$2000.00} and cited various charges over a three-year period. While I was working to resolve the billing issues with XXXX and my insurance company, the debt collector filed suit and set a court date. Between my insurance and myself, the majority of the debt was paid. However, my insurance advised me that they do not see any reason I would owe the additional amount. I wrote the debt collector, including proof of payment for the debts that my insurance company found to be legitimate, and requested details on the other debts. Given the billing issues I had already experienced with XXXX and the fact that I never received a bill in that amount and my insurance company does not show a copay in that amount, I need proof that this is a legitimate claim. The debt collector did not provide details on the claim in a timely manner and continued with the law suit knowing that the debt was being addressed. When I called the debt collector the Friday prior to the scheduled court date, the debt collector refused to cancel the court date and law suit despite a major portion of the debt having been paid and them failing to provide details on the additional charges.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I am filing this complaint because Medical Data Systems is in non-compliance of the FCRA and FDCPAI was given no time notice from Medical Data Systems or the credit bureaus before placing the inaccurate, unvalidated information in my credit Report. Documentation sent as validation is a violation of the HIPPA Law. On XX/XX/XXXX I reviewed my credit report and found Medical Data Systems. XX/XX/XXXX I mailed 2 letters certified due the reporting contact info 2 different address on XXXX and XXXX and at that time they were not reporting on XXXX. On XX/XX/XXXX letter sent to XXXX and XXXX to Validate debt, No Response as of XX/XX/XXXX. I recd a letter dated XX/XX/XXXX from Medical Revenue Service with documentation and nothing on the cover letter that they are one and the same as Medical Data Systems, their mail address is po box and their name is not on credit report. a copy of a statement sent to an address that is not mine. breakdown of charges along with type of treatment and procedure codes and a copy of privacy practices. On XX/XX/XXXX I mailed a letter to Medical Revenue Services requesting any agreement from their client that granted them the authority to collect on this debt, or proof of acquisition or purchase or assignment, I needed to know why they have information this sensitive. No Response.XXXX  sent a letter notifying them they were in non-compliance FCRA Time of Notice. Again, asked for copy agreement and a copy of any HIPPA Authorization, XX/XX/XXXX sent letter to XXXX XXXX XXXX informing them furnishing my information to Medical Data Systems DBA Medical Revenue Service is not in compliance with HIPPA. No Response. I am also enclosing letters sent as of today to the credit bureau regarding the inaccurate reporting on and unvalidated account along with screen shot of this account from my XXXX monitoring highlighting inaccurate information.
Consumer complaint received 2021-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint XXXX responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the stress you have caused me and my family.
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DISCOVER BANK (IL)

In XX/XX/XXXX i accepted an offer from Discover to consolidate my debt with them. 
I explain that the amount of {$1200.00} needed to be send to XXXX XXXX XXXX  ( and provided the account number ending in XXXX ( the payment instead was mail via check to XXXX XXXX XXXX XXXX and it was deposited to a different account number XXXX XXXX XXXX 
XXXX  XXXX was nice enough to send me a letter dated in XX/XX/2021 they are not affiliated to XXXX XXXX and that the address that reflects the payment address it's for XXXX  XXXX. 

I've been trying to reach a resolution with Discover since XXXX and all i get is the run around and this balance it's still showing on my Discover Personal Loan. 
I need them to remove this charge soon as possible
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NM)

A cable bill was opened in my name 5 years ago that I was unaware of. It was resolved and it was removed from my credit report 5 years ago. Got a notification last week on XX/XX/18 via email showing what resolved 5 years ago and removed from credit report is now again on my credit report I nevered opened an account under XXXX XXXX  internet company I have never had a contract with them. The payment amount of {$390.00} phone number XXXX company name EOS CCA
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX Balance {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance - XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX XXXX Inquiry Date XX/XX/2020 2020
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I applied for a job which pays via credit card and my information was stolen and is now being used in other area for credit use. 

The job was listed on XXXX for mystery shopping for consumer research as it was listed.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.
Consumer complaint received 2022-02-03
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. (CA)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I had some suspicious activity happen to my online banking. So bank if America decided they would no longer access to. My online banking until I showed up in person to a branch to prove my identity. Now this is after I've had my account for 4 years never had an issue never overdrawn never bounced a check. So the problem with this is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've been calling begging proving my identity over the phone the phone for over a year and half. You'd think to there would be notes in my account. Also I like using cash app and gave been for about 11 months every transaction has been a cash app transfer or bill pay ect. Well every month on the 3rd every transaction which is done by me they flag it and force me to sit on my phone for 6 hours some times longer to calm the security of suspicious activity alert and revoke my transaction. This has been going on the past 3 months now. So I would love to link my account by providing my log in credentials to other app such as XXXX XXXX  XXXX but since I have no online access I'm limited and forced to call at least 1 once a day if I choose to pay a bill or send money to my landlord to stop any and all flagged transactions. I feel like because I'm unable to get to a branch there punishing me because of my XXXX, all I want is full access to my money like everyone else. There have been emergencies were I couldn to get medicine or even help my grandbabies with hospital bills because they've locked my account once again due to my transactions
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (DE)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of a debt fraud scheme involving lines of credits funded by private lenders and fictitious borrowers who are using my name and likeness to hold me responsible for a debt I did not take out. 
On XX/XX/2014 a letter was sent to me from Chase which informs that CHASE records show that the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. I have attached the letter from Chase. 
1 ) I am requesting Chase reveal the name of the party that caused the lien release to be recorded or was it " indexed? '' in the County Registrar 's Office? 
2 ) Require CHASE to spell out the name of the borrower 3 ) Inform me if CHASE acquired a conventional loan from XXXX XXXX, XXXX? OR assumed a line of credit from XXXX XXXX 4 ) Did CHASE acquire a mortgage and convert the mortgage to an equitable instrument? When did this happen? 
5 ) Was title to real property transferred to the Trust?
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave XXXX any written consent to report anything on my consumer report.