davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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)

The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.
Consumer complaint received 2019-04-30
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. (CA)

The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MD)

On Monday, XX/XX/2019, a representative from XXXX XXXX   contacted my husband and gave him the details of my account. She told him I was 5 months behind and told him I owed over {$3000.00}. When my husband called me to tell about the call, he gave me the telephone number and extension that the XXXX Representative gave him. I, immediately, called the number and a Ms. XXXX answered the telephone at XXXX. Ms. XXXX asked for my name and telephone number, which I gave to her. I, then, told Ms. XXXX that XXXX had violated my rights under the Fair Debt Collection Practices Act by, not only contacting my relative, but by discussing my account and my debt with a relative was illegal. Ms. XXXX made a sound that resembled a chuckle and told me she would need more information from me in order to discuss my account. I told Ms. XXXX I did not call to discuss my account but I did call to let her know I am going to sue XXXX for sharing my information with a relative without my permission. I also told Ms. XXXX to never call my husband again. I, then, disconnected the call.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am a US citizen that has retired to the country of XXXX and I have a mailing address in the USofA. I do pretty much all banking & business online and have successfully for 8+ years here in XXXX XXXX My email address on a final page is the best way to contact me. 

I have been trying for weeks to coordinate and unfreezing my credit reports at XXXX, XXXX, & equifax so I could update my mailing address. 

A week ago some difficulty I was able to unfreeze my reports w/ XXXX & XXXX XXXX but equifax remained frozen. 

After several emails & phone calls I was told to send a fax with an image of my passport, CA Drivers license, DOB, SSN, & other  identification information. 

I had to do this twice and finally I was sent a letter that my credit report would be unfrozen, but for the wrong dates. I have attached a copy of that letter to help identify my specific account & problem. 

Equifax 's phone system is now refusing to allow me to speak with a representative and I can not log in online to correct this issue. 

I need to be able to log in to my equifax account reliably when I need. 

Please help
Consumer complaint received 2019-04-30
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I was in process of refinancing my current home mortgage loan. XXXX XXXX  was aware and got angry I was refinancing. The new mortgage company was XXXX XXXX XXXX XXXX   and they started they were going to assist the mortgage payment and failed to do so. I then contacted XXXX XXXX  to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XXXX payment XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. XXXX XXXX refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. XXXX is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (KY)

I spoke with a representative on XX/XX/year> at Maury Cobb law firm regarding this debt. They could not provide adequate information about the debt. I had called to offer a settlement amount even though I didn't feel the debt was valid. I inquired as to whether this was for equipment and was told no it was for monthly service. I explained that it couldn't be for outstanding monthly service because I only had internet service with the original company and because XXXX XXXX XXXX XXXX, and I have to have internet service. I also relayed that I had returned equipment to the provider as well. Was told to contact the original creditor/ service provider. I did so and was told they couldn't even access the debt to tell me anything about it. 
I called Maury Cobb law firm back and told them that I don't believe this is a valid debt and that they had purchased this debt. They denied purchasing the debt and refused look into it further.
Consumer complaint received 2023-04-04
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2019-04-30
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: 21ST MORTGAGE CORP. (TX)

XX/XX/XXXX I was in process of refinancing my current home mortgage loan. 21st mortgage was aware and got angry I was refinancing. The new mortgage company was nation 's lending corporation and they started they were going to assist the mortgage payment and failed to do so. I then contacted 21st mortgage to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XX/XX/XXXX payment XX/XX/XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. 21st mortgage refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. 21st is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

I moved out of my home XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX, NC XXXX. I owed for the months of XXXX and XXXX. My bill for XXXX was {$170.00}. XXXX and XXXX {$30.00}. When I tried to pay this amount XXXX XXXX would now let me pay. They had tacked on some {$5.00}?? something bill onto mine. The amount is now {$1100.00}. I have tried to call numerous of times throughout the years but like today, I have been on the phone for hours. It has effected my credit and me getting any type of loan. When I tried calling XXXX XXXX I spoke to 5 managers and noone knew why the bill was this amount, the couldn't find anything. One lady told me I only owed around {$300.00}. One manager sent me an itemized bill that adds up to {$550.00}. I am furious about this and do not know what to do. Bull City Financial has taken over and has been very rude to me. No one will send me any information regarding this matter. I have voice recordings of all the managers as well, if I need to provide. All stating they have no idea where this extra debt came from.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

I have been listed as an authorized user on an account. This account is not being reported on Experian or XXXX, only XXXX This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2020-12-17
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: JPMORGAN CHASE & CO. (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, JPMCB CARD SERVICES add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-17
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. (TX)

demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses and names 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 names that should be deleted are XXXX, XXXX, M and there is XXXX, XXXX, M The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-01-04
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. (UT)

On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX  XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

This complaint is a follow up to complaint ID XXXX-XXXX. Mr. Cooper asked for an extension to respond to the above mentioned complaint. The expected a response by today, XX/XX/XXXX. This is in response to an error they made to an agreement we reached on XX/XX/XXXX to take my house out of foreclosure and reinstate my previously agreed to modification. 

I have been making my monthly payments on time since the almost $ 38k settlement agreement. I called Mr. Cooper today to inquire about ( 1 ) the complaint response status and ( 2 ) to make my agreed upon XX/XX/XXXX payment. 

I was informed that ( 1 ) no response has been submitted yet, ( 2 ) the account has been placed back in foreclosure status, and ( 3 ) they refused to accept my XX/XX/XXXX payment.

This matter requires immediate attention. The actions of Mr. Cooper are unprofessional and reprehensible. This situation has caused me physical and mental damages, in addition to causing my breakup with my fianc over this incident.
Consumer complaint received 2023-07-27
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. (OK)

All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX XXXX Account number : XXXX ( In accurate payment history ) XXXX  XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX  ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX  XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX  XXXX XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by XXXX and XXXX must be deleted because they are reporting inaccurate information.
Consumer complaint received 2021-03-29
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: Early Warning Services, LLC (IL)

XXXX XXXX XXXX and XXXX  have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by XXXX XXXX XXXX which is fraud. XXXX is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XX/XX/2019.