davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2023-07-18
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, XXXX reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and Experian responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX BANK ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX  MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) FIRST  XXXX  ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX FIRST  XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

XXXX was contacted several times over the refund of {$700.00} transfered to XXXX  XXXX XXXX account in XXXX due to erroneous transaction made on XX/XX/2021. There was no validation about the transaction by XXXX and as a result the erroneous transaction was made to the wrong account. The first inquiry was made within 14 days of the transaction and I was promised immediate resolution of the issue. However, with almost a year and confusing statements made by XXXX representatives over multiple enquiries, the refund has not been processed and XXXX has failed to initiate any contact to me over these enquiries.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-27
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. (IL)

On XX/XX/XXXX I sent a letter to TransUnion in regards to a dispute on several items on my credit report. 

I received the results from Trans Union dated XX/XX/XXXX. I promptly sent a letter to Trans Union requesting the Method of Verification as was sent to them XX/XX/XXXX One of the items listed was not investigated. On XX/XX/XXXX I received a letter that one of my items was previously disputed and verified. The Debt Collect is XXXX XXXX. The original creditor is XXXX XXXX and XXXX. Back in XXXX I disputed this debt that was listed on my Trans Union report and it was removed this was a different collection agency. This item was reinserted with the same amount and the original creditor. When I contacted Trans Union in regards to this issue. I asked for the method on how they verified the debt and why it reinserted with no notice as per the law. I was told I needed to contact the collection agency on how the debt was verified. Trans Union stated they only reach to the creditor and ask if the information is true. Of course the creditor will state it is accurate and the amount I owe is true. Again, I asked how and what documents were used to verify this is information is accurate. Again, I was told to reach out the creditor on how they are stating I owe this debt.
Consumer complaint received 2022-03-24
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Equifax have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX XXXX BANK, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-24
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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Experian have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX XXXX BANK, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: CLGF Holdco 1, LLC (FL)

In accordance with the fair credit Reporting act CB INDIGO, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I am filing the complaint against CREDIT CONTROL COMPANY because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this company. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

As of XX/XX/2022, Equifax removed all inaccurate information from my credit File. 

On XX/XX/2022 I checked my Equifax credit file again and it showed that all the inaccurate information was removed. 

On XX/XX/2022, I checked my Equifax credit file again but this time all the inaccurate information was being reported again.
Consumer complaint received 2022-03-24
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. (NV)

On XX/XX/XXXX my attorney reached out to XXXX XXXX requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both XXXX and their Attorney. 

XXXX was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.
Consumer complaint received 2022-03-24
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. (NY)

I have informed transunion, XXXX and XXXX of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I'm not swayed that the bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The bureaus are reporting inaccurate information on AMEX - AMERICAN EXPRESS BANK , FSB. Also, I tried contacting the bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

AMEX - AMERICAN EXPRESS BANK , FSB XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have a non escrow mortgage since XX/XX/XXXX. I pay my insurance and property taxes when due. I suffered unemployment hardship. My last property tax payment was XX/XX/XXXX. In XX/XX/XXXX, SLS mortgage service provider made a payment on my behalf claiming serious delinquency. They have attempted to put me in Forced Escrow to continue to claim I am not curent on my mortgage. I have tried at least a dozen times to remedy this, which many claimed at SLS was feasible as I rejected their offer to voluntarily submit to an escrow loan. 
Today, XX/XX/XXXX, I payed {$2200.00} as their statement claimed would bring my mortgage completely current. I was forced to do so to start gaining the legal leverage I need to sue them for the return of my forced escrow. My mortgage note does not appear to me to allow forced escrow. I plan to pay my property taxes for XXXX due XX/XX/XXXX directly to ensure their forced escrow was a malpractice on their servicing. I owe them $ XXXX and I'm sure they would like to foreclose on a $ XXXX home. I am arguing that this is completely improper abuse of their SLS servicing leverage and should therefore be fined heavily if possible.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (WA)

Comenity bank called me and the rep left a voicemail that says I need to call or they will sue me. Comenity bank is now trying to say that is not what the voicemail says. They offered a XXXX credit which I do not accept, and the gentleman by the name of XXXX said they have tried to call me several time and no he called me one time and I have since called and left 3 voicemails to discuss this further that he has not returned. I have saved the voicemail and this is not acceptable. I have had 5 different people listen to the voicemail and we all hear the same thing EXCEPT the creditor does not. Being threatened and then ignored has caused my XXXX to act up as well I have had XXXX XXXX from having to deal with this. I have filed complaints with the AG and BBB as well and I will NOT allow this company to treat me this way. I have attached the voicemail as well
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute on Experian, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than XXXX after I submitted the dispute. 

I ask that Experian follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that XXXX follow the same suit with the dispute sent to them and because a XXXX has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints
Consumer complaint received 2022-03-24
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. (OH)

I received my Dept Of Education accounts as verified after the dispute process with Experian today when I did not ask for verification of the account. I demanded for these 2 accounts be removed from my Experian credit profile and they responded saying the accounts were verified.

Under 15 USC Code 1b permissable purposes of consumer reports i never gave US Dept of education written consent to report this account on my Experian credit report. NO CONSENT IS IDENTITY THEFT! Which is why I filed my ftc report.

Also, This company is in violation of more laws and continues to furnish these accounts on my Experian Credit profile.

Under 15 USC Code 1681a ( 2 ) ( B ) Exclusions from a consumer report, these accounts are in violation, any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in transaction. 

To conclude, how are my disputes coming back verified with an official FTC report?? My rights are being violated and I demand the CFPB to force these accounts removed from credit report immediately.
Consumer complaint received 2022-03-24
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: Westlake Services, LLC (NV)

On XX/XX/XXXX my attorney reached out to Westlake Portfolio requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both Westlake and their Attorney.

Westlake was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (CA)

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Designed Receivable Solutions Incorporated has failed to provide a signed contract for this alleged account. An original contract is required as proof in the event of a lawsuit. This is a billing error and the alleged debt is not validated and in dispute. 

Additionally, 15 U.S. Code 1692c ( a ) states : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692 e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Designed Receivable Solutions has violated the FDCPA and I plan to exercise my rights as a consumer.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (CA)

I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts below. Also, I tried contacting the Equifax requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-18
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$0.00}