davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am disputing Experian dropping my credit score XXXX points on a Sunday XX/XX/XXXX and informing me on the XXXX XXXX XXXXXXXX. Apparently Experian has been hacked or something. I get an email from Experian XXXX, XXXX sometimes XXXX  times a day. I read every email, I am totally obsessed with my credit score and I follow everything you say. I took out a loan at my bank to grow my credit, I double pay and I am never late. The only other thing that has changed is that I got one of the credit cards that you wanted me to get, saying that a new credit card would improve my credit score. I am making a lot more money through my job. Other than that nothing has changed! So how could my score drop? It should only go up! I called XXXX today and they told me that nothing has change with my credit and they said I am above preferred and i am in very good standing. I got off the phone with XXXX and called my bank ( XXXX XXXX ) they said I was in great standing I asked them to look and see if anything has changed on my credit report on their end and they said no! The following is what Experian sent me, indicating that it could be one of the following : You Have Late or Missing Payments This has never happened! 
You Recently Applied for a Mortgage, Loan or New Credit Card I havent and dont plan to do this! 
Your Credit Utilization Has Increased I havent done this and shows on Experians report! 
One of Your Credit Limits Decreased This hasnt happened! 
You Closed a Credit Card I havent done this! 
There Is Inaccurate Information on Your Credit Report My report is accurate I checked, my banker checked! 
Youve Experienced a Major Event Such as Foreclosure or Bankruptcy Never! 
Who is out there to watch over Experian when they mess up? This was clearly one of your bots that got the wrong info, nothing negative has changed and everything positive has happened to my credit. For my score drop XXXX point is absurd let alone XXXX points my score should improve every month. I was about to purchase a boat but now I will have to wait and see what happens with my score. This could cost me thousands of dollars in interest. I like for a real person to call me and tell me how this could have happened and what really happened.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Grant & Weber (CA)

To Whom it May Concern, The repeated telephone calls are not from Grant & Weber Inc. to me, they are from me to Grant & Weber. I have tried MULTIPLE times to call and nobody ever picks up the phone. I have left MULTIPLE voicemails and a call has yet to be returned. These calls have taken place almost daily for XXXX weeks. 

I do not recognize the collection that they are reporting and need more information, but it is impossible to contact them. I feel that they are in violation of the Fair Debt Collection Practices Act by not allowing communication.
Consumer complaint received 2022-07-06
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. (PA)

On XX/XX/XXXX I sent a certified letter to TransUnion disputing the accuracy of account XXXX XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX and asked for verification that it was mine or remove it from my consumer credit file. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. It is also showing a Date of Last Payment of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX # XXXX I asked them for verification that this account was mine. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. Furthermore, TransUnion has violated my consumer rights by not conducting a proper investigation and getting back to me within 30 days. Please see attached tracking information showing date certified letter was sent and received. They received the letter on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX and have yet to get their response.. I ask that all disputed item be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXX, XXXX which is a result of fraud since I did no authorize such account.
Consumer complaint received 2022-07-06
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. (TX)

Recently reviewed my credit file. I noticed some accounts that were investigated and deleted from XXXX. XXXX and Transunion has not provided any debt validation or method of verification used to validate debt. 

below XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (PA)

hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 2 months, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've continuously been sending letters to XXXX XXXX XXXX on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for Transunion, XXXX and XXXX. 
.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (CA)

Google wallet closed my account & will mot release my remaining balance back to me per their guidelines & terms! They did not disclose of why they closed my account & told me that they will not be giving me my remaining balance of XXXX! I am now further contacting you to file a complaint for further action to be discussed upon the return of my funds.
Consumer complaint received 2021-06-16
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: AMERICAN EXPRESS COMPANY (NY)

please review the following accounts that appear on my credit report without authorization AMEX Account Number : XXXX This is not mine. 

Identity Theft AMEX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (OR)

Sequium is an LLC in Georgia that is essentially a credit pirate. Back in XXXX they showed up on my credit report as a delinquent account. Upon contacting them I found out that I owed {$1100.00} on my XXXX XXXX  account that was overdue. Sequium said that they had been contracted by XXXX XXXX XXXX to collect. The funny thing is that Ive never had an XXXX & T account. 

I contacted XXXX XXXX XXXX and according to the account representative I spoke with, they do not do business with Sequium. Ive contacted Sequium numeros times. You can not reach a manager of any type. Additionally, their representatives are clearly trained to say anything to get a payment out of you. One rep I spoke to said to me Look, whether or not this is your bill, for {$1100.00} I can get this delinquency off your credit report. 

Clearly Sequium is not only an illegitimate business, but an illegal business - willfully and knowingly breaking many state and federal lays
Consumer complaint received 2019-08-01
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. (NJ)

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract but have been repeatedly met with verified as accurate with out providing the documentation that was requested, continuing to be in violation of section 611-non compliance and continuing to damage my report.
Consumer complaint received 2023-12-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company (MO)

My mortgage was sold to Freedom Mortgage. After making my first payment to the new company. XXXX XXXX XXXX XXXX called to refinance. He told me he could save me {$48.00} a month. Of course the VA funding fee etc would be rolled into my mortgage so I didn't have to pay out of pocket. I told him {$48.00} was not going to help me {$48.00} is not what I would call a savings to restart my mortgage. He asked to write it up anyway. I said sure. He called me 2 days later and continued his push to save me {$48.00} a month after I told him no. He continued to try and push me after 2 other no 's and I final lost my mind and cursed him out. He refused to send me to his boss after requesting to speak to him and said he didn't have that ability and would not give me his bosses information. I didn't ask for my mortgage to be sold. I don't like the way they are trying to push me into more finance charges that they will collect. And {$48.00} a month wont offset the funding fee of the mortgage for 3 years or so. Poor business practice in my opinion.
Consumer complaint received 2022-03-22
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)

On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Inquiries : EQUIFAX XXXX XXXXXXXX XXXX XXXX Equifax : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX ELAN XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXXT VIA EQUIFAX MORTGAGE SERVICES XXXX XXXX
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-07-06
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. (CA)

I have submitted an identity theft report to the three credit bureaus with all of my fraudulent account and inquiries since I was out of the country I have had fruadulent bank accounts, credit cards and inquiries that are not mine.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (GA)

A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from XXXX XXXX XXXX XXXX who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to Unifund CCR Partners who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.
Consumer complaint received 2022-02-17
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. (FL)

I have been disputing an erroneous collection account initiated by XXXX XXXX XXXX and reported to all XXXX credit bureaus in XXXX of 2021 by XXXX XXXX XXXX. I have requested at least XXXX independent investigations and additionally, per Section 611 ( a ) of the FCRA, I sent a letter requesting they provide the information they used to make their determination. I never received any results-they only tell me it's been updated with no validation of the debt provided to me. I have sent certified mail on every occasion and have never received any written response as I've requested. Furthermore, I have been successful in removing the same entry from XXXX as well as XXXX. Moreover, I've been contacted by XXXX XXXX ( the original creditor ) via email indicating they too have requested the entry be removed as it was never to have been reported as such. In fact, they have even finally agreed to return monies owed to me since XX/XX/2021. I'm requesting Equifax do the correct thing and remove this entry from my credit IMMEDIATELY. The consequences of the drop in credit rating and the reporting of this erroneous debt has been devastating-causing my rating to drop some XXXX points in one agency. I take pride in maintaining a very healthy credit score and as such have always paid my bills on time-such is reflected without this entry. Again, this debt has never been validated despite my continued disputes and requests for reinvestigation. The credit reporting agencies are NOT DOING THEIR JOBS!
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested for XXXX XXXX XXXX to verify acording to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded with verified as accurate without the requested documentation, continuing to be in violation according to section 611-non compliance and continuing to damage my report.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-22
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: Maximus Federal Services, Inc. (FL)

I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Company is extremely rude, used threatening language, hangs up on caller. Spoke with XXXX a ext XXXX. Hung up on me and said that my credit would be impacted indefinitely. Never received anything in writing regarding dispute because the address entered into their system was incorrect and they refused to send any documentation regarding my debt.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (WA)

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.