davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (VA)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX  XXXX
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello dear CFPB I am writing to assist me to reopen my closed business account with bank of america which has been closed without any serious bases. 

I opened XXXX XXXX business account very long time ago with credit limit {$16000.00}. I did not use a lot just small purchases but recently i gave one merchant my card just to hold not to charge nor i gave authorization to charge but in my surprise they charged my card {$7400.00} without my consent, when i noticed the charge i called bank of america and immediately disputed the charge because i did not allowed them to charge and also i did not want to spend 45 % of my available credit in one card when i have more then {$32000.00} in my checking account with bank of america i can pay cashier check or by check if it's necessary. Long story short today i wanted to use my card to pay for XXXX XXXX membership and my card was declined, I called bank of america and was told we have decided to closed your account because in first they said i used my account very aggressively not as usual but i explained situation regarding charge was not authorized and that i opened dispute then i was told i have no installment loan and i answer them i was approved this card and had more than year without installment loan why now its necessary to close my account ... Than i ask to speak with supervisor to ask him to reconsider to reopen account his name if i am not making mistake was XXXX XXXX i again told him i am very dissatisfied and i think it's not fair and very biased to close account without bases for customer who has fico score above 770 based on XXXX XXXX XXXX XXXX  and has great income and never missed payment and has {$32000.00} in deposit with bank of america to close account. he put me on hold and came after 10 minutes and said again in my opinion very baseless reasons about my credit like supposedly i have not enough established credit and no installment loan and again my answer was same that i was approved maintained this account in great status very long time and i have above 770 score fico score in all 3 biggest CRA and never missed payment and overall maintained great relationship with bank of america. His response was robotic answer that does not applies to my situation. I think maybe there is some prejudice or bias towards me because i can not find one real reason why would my account be closed when every factor of my credit and spending and depository situation is perfect. Please CFPB assist me to reopen my account with bank of america and have great business credit.
Consumer complaint received 2018-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

There is a debt on my credit report- collection, that is not mine. I have disputed it and the company that issued the collection agrees, this is not my debt. Yet it is still on my credit
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (IL)

I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. 
I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. 

Please help me in getting this fixed with ATG.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (HI)

Ive filed a complaint before : # XXXX XXXX XXXX XXXX continues to harass me and my family by sending me notices of debt collections. This company has sued me and has tried to garnish my paychecks from my employer. Theyve had attorney offices call me and tell me I owe them money. Theyve recently sent me a letter and have increased a debt I do not owe. Its ridiculous!!!! I had to file with you the CFPB just to stop them from garnishing my pay. I believe my previous case file was even sent to the Federal Trade Commision. Ive notarized countless documents to this company and they still continue to harass
Consumer complaint received 2024-02-07
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. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.
Consumer complaint received 2018-05-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GENTRY FINANCE CORPORATION (UT)

I have filed a complaint once. The companies response specifically stated they dont intend to disrupt the workplace and they noted the account and will stop calling my employer. They continue to do so MULTIPLE times a day.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

According to 15 usc 1681a ( 3 ) ( 1 ) states ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information should not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. 

They have also violated my rights numerous of times. 

The credit reporting agencies violated my rights under 15 usc 1681. 

According to 15 usc 1681a ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 usc 1681b ( a ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave any credit reports agency written instructions to furnish items on.
Consumer complaint received 2022-03-04
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. (NY)

Hello, I am reporting because I have in my credit report the items that are not mine. I can not understand what to do in this situation. I want to ask you to remove these unknown inquiries because I checked them and I do not recognize the companies and why I have these inquiries. I am kindly asking you to pay attention and to help me with these inquires that suddenly appeared in my credit report. I am always paying attention to my activities and I can definitely say that these items are not mine.
Consumer complaint received 2020-07-29
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

I have a loan with XXXX XXXX XXXX XXXX, XXXX/FXXXX, and RUSHMORE LMS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and RUSHMORE LMS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I contacted Experian Credit Reporting Agency and explained to to them that the information on my report is wrong. They are reporting reporting that I owe a Balance from XXXX XXXX from an account that was opened up on XX/XX/XXXX. I never opened up this account. 
I told Experian three times this was in error. On the third and last time they said it was already disputed and I had my answer answer. 
XXXX XXXX XXXX told Experian that I opened the account up on XX/XX/XXXX and that it stands as is. 
Can CTPB ask XXXX XXXX XXXX for the paperwork showing I opened up and account on this date. 
I ask Experian to investigate this and they told me it had already been resolved through XXXX XXXX XXXX. 
If they cant show I opened up an account on this date in which I have ask for verification on three different times, then what can I do? Credit Report number is XXXX XXXX, report XX/XX/XXXX account number is XXXX ... .amount is XXXX Thank you
Consumer complaint received 2020-02-02
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. (TX)

Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX # XXXX Placed for XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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. (NY)

Hello, I am reporting because I have in my credit report the items that are not mine. I can not understand what to do in this situation. I want to ask you to remove these unknown inquiries because I checked them and I do not recognize the companies and why I have these inquiries. I am kindly asking you to pay attention and to help me with these inquires that suddenly appeared in my credit report. I am always paying attention to my activities and I can definitely say that these items are not mine.
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (VA)

On XX/XX/XXXX my wife received a call from the following phone number : XXXX. The woman on the phone identified herself as XXXX XXXX with Dynamic Recovery Solutions. She asked to speak to me, but called my wifes cell phone number. My wife asked what the call was in reference to and XXXX XXXX became frustrated, stated she would call back at another time, and proceeded to hang up. My wife called the number back and XXXX XXXX answered. She informed XXXX XXXX that she was my wife and wanted information regarding the previous phone call. XXXX XXXX stated that my wife needed to verify my current address or last 4-digits of my social security number, in order for her to provide any information. My wife did provide our current mailing address. XXXX XXXX stated the call was in reference to a {$10000.00} balance for an unpaid debt that I had supposedly incurred many years ago and had been settled, therefore a lawsuit would not be pursued. She then asked if my wife was ready to make a payment towards the balance or set up a reoccurring payment. My wife informed XXXX XXXX that she would need to send written verification regarding this matter. XXXX XXXX proceeded to inform my wife that her credit could also be in jeopardy, since we are married. My wife concluded the conversation by again telling XXXX XXXX that she would need to provide us with written verification. Upon checking my credit report, I see absolutely no reports for debt collection. Therefore, we believe this must be a scam or con-artist.
Consumer complaint received 2022-03-04
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. (NY)

Hello, I am reporting because I have in my credit report the items that are not mine. I can not understand what to do in this situation. I want to ask you to remove these unknown inquiries because I checked them and I do not recognize the companies and why I have these inquiries. I am kindly asking you to pay attention and to help me with these inquires that suddenly appeared in my credit report. I am always paying attention to my activities and I can definitely say that these items are not mine.
Consumer complaint received 2020-02-02
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. (CA)

On XX/XX/XXXX I submitted a complaint regarding erroneous and illegal charges placed on my mortgage payments by XXXX XXXX  through its agent XXXXe. ( Complaint Number XXXX. ) This is not a supplement to that complaint, but a new matter that I discovered when I spoke by phone on XX/XX/XXXX with a representative from XXXX. 

As mentioned in my XX/XX/XXXX complaint, for the past couple of years, I had a mortgage loan from XXXX XXXX. I always paid on time, in full, by auto-pay. ( See attached Account History. Additional proof of continuous timely payments will be provided upon request. ) The loan was subsequently sold to XXXX in late XXXX. At the time of the change-over, I received a letter from XXXX stating, in pertinent part, that there would be no changes to my mortgage loan account and I need not take any new action. ( See attached letter from XXXX. ) Throughout the course of the loan, I have always made traditional payments that included both principal and interest. However, when speaking to XXXX representative XXXX on XX/XX/XXXX, I learned that on XX/XX/XXXX, my payment was allocated solely to principal, with no interest paid at all. ( See attached Customer Account XXXX XXXX XXXX. ) I never instructed XXXX or XXXX to make such allocation. This was done without my knowledge or consent. 

As a result of this mis-allocation, my loan payment is now considered late - and presumed to be {$6900.00} in arrears. ( See attached Monthly Statement dated XX/XX/XXXX. ) Again, I am not, and never have been, late with any loan payment. This is entirely due to the bank 's error. 

As noted in my XX/XX/XXXX complaint, my credit score has been negatively impacted by the actions of XXXX and/or XXXX. My Equifax score decreased 98 points -- from XXXX to XXXX - in early XXXX. ( See attached screenshot of my credit score. ) I do not know whether the decrease is the result of the additional charges erroneously placed on my account as described in the XX/XX/XXXX complaint, or whether it is due to the misallocation of my XX/XX/XXXX payment. For this reason, I am filing a second, separate complaint to address this matter. 

Also as noted previously, the errors by XXXX and subsequent derogatory credit reports are causing me real damage. As a real estate developer, I need to be able to finance and refinance loans. I have already been declined a refinance due to the negative credit report and, since the problem is due to an allegedly late mortgage payment, I have been told I will not be able to refinance for at least a 12-month period. ( See attached letter from mortgage broker XXXX XXXX. ) This puts my entire real estate endeavor at risk. 

I need to have the bank errors. corrected as quickly as possible and my credit restored so that I can proceed without further harm to my business enterprises. 

Thank you for your anticipated prompt attention to this matter.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management - XXXX Contacted my spouse whom I am separated from, who was not on the account! Gave him the details of my debt of {$1000.00} + dollars and that no payment has been made since XX/XX/2021 and asked him to make the payment. 

This is plain wrong- please do something about it.