davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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 XXXX this isn't 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 719XXXX 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 XXXX 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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX  XXXX XXXX Balance {$880.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} SXXXX XXXX XXXX Balance {$1400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$2900.00} Inquiry : XXXX XXXX Inquiry Date XX/XX/2021 2021
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sierra Holdings LLC (IN)

I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
Consumer complaint received 2022-04-07
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)

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX  # XXXX opened was opened XX/XX/XXXX HAVE 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 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

This Debt that this company Advanced Collection is trying to collect and that they claim that I oue them is uncollectible, because I am XXXX and on XXXX, I also dont know who this company is, Ive never done business with them nor gave them the right to give out my information Because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. and also according to 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 Ive never done business with this company nor gave them permission to furnish my information to the credit reporting agencies.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls me daily for debt. I explained the debt is not mine. They sent me some billing info with incorrect addresses and explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please. They sent me a notice for an obligation to pay. This is the third agency that contacted me in regards to this fraudulent debt.
Consumer complaint received 2020-11-13
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. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an 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 2021-12-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America had no right to foreclosure my husband had deceased and I was in the home and I am surviving spouse of mortgagee. The bank had a INACTIVE NOTE it is verified by XXXX XXXX XXXX and I had reported this but I had no proof at the time but they did know. Before my XXXX XXXX he had asked for the documents but they stalled him after he passed I took death certificate to bank but first death certificate had a cause of death pending so they said I would have to wait till it cleared to submit the next one for the insurance. By this time they gave me no notice of foreclosure. They kept delaying mail by sending mail to different address. I can prove this as well. I don't understand what good is it to have proof when no one will help me. I know the home was sold so there's no getting it back but they owe me for the 7 years I did not live there when I should have. They have no one to answer to it's as if there above the law and they just keep taking people 's homes. Why doesn't anyone do something? CFPB is suppose to help but how if you close my complaint as soon as they respond? Do you check there responds? How can you keep letting them get away with this I have been sending my complaints to everyone XXXX, FTC, XXXX XXXX XXXX XXXX XXXX, XXXX, OFFICE OF ATTORNEY GENERAL, XXXX, AND XXXX, AND NOW I WILL SEND ALL MY COMPLAINTS TO XXXX since that's were note originally started. It's been a rough 7 years moving back and fourth and the mental anguish my family and I have suffered because we have no home. The destruction of families caused by this bank is just terrible. And if it were I doing what they do I would be in prison by now. Does the law work for them or is the law working for the people? So now with this new information I hope you actually come down on them because if you don't more families are loosing there homes by the minute. Every minute you don't take action against them, another family will lose there home, so who's side would you really be on? I want them to pay me for every year I have not lived in our home that my husband paid for ... while in the XXXX and a XXXX  employee I don't think he served his country for them to disgrace him at death. I can't believe that this is regular business practices that they keep getting away with. I want justice for my husband and my children. We deserve it and I will not give up until we go to trial with it, only then I will stop complaining. When I know a judge has ruled on it because the first court I had was an eviction and I was not prepared for that either I never saw that coming because of there Trickory.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX Coinbase tried to debit my account XXXX for the 2nd time after reaching out and advising I am having an issue with my bank. Coinbase has a misleading statement saying that they will liquidate the cryptocurrency account in order to recover funds. They went ahead and debited my account again. This has caused my bank to charge a {$35.00} overdraft fee, which they can not remove. Coinbase is using deceitful tactics.
Consumer complaint received 2020-09-08
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mortgage Research Center, LLC (IL)

We had gone 8 months with zero late mortgage payments and then Covid hit and our income took a serious hit. We did what we were supposed to do and applied for forbearance in XXXX. It took 3 months to get that approved and in the meantime they counted our XXXX and XXXX payments as late and reported them to the credit bureaus. They then sold our mortgage to another lender who approved our forbearance and we were able to get our account current with them.
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an 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 2021-02-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Moneytree Inc (NV)

Applied for the loan because of a family emergency. Been out of the country for awhile. Lost my job then Covid-19 started before I can find another job. Now working and with only paycheck to paycheck, I can not afford to pay the loan back.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have paid off all credit cards and those that were submitted to a collection agency. I have confirmation of all my payments, made copies and sent to all three credit reporting agencies. I also contacted my Attorney General State of CT and my file was sent your way. I checked my credit reports and still see open balances, collection activity happening and nothing has been updated. They claim to have done an investigation and nothing has been updated. This needs to be fixed as I know I am entitled to monetary damages.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, 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. (AL)

XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an 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 2018-02-28
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. (NC)

Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

After pulling a copy of my credit report I noticed Westlake financial on my credit report. i then disputed this with the credit bureaus after noticing inaccurate information being reported. under my social security number. i have attached a copy of my letter demanding deletion of this account.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my TransUnion credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a XXXX XXXX reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but TransUnion still refuses to delete these public record entries from my TransUnion credit report.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (MI)

Equifax has given me difficulty the last ( 3 ) times when I try to access dispute information. I will put a dispute in through XXXX XXXX and will recieve an email from Equifax stating they are investigating the issue. Once they are complete, they send me an email with a confirmation # to go online and view the dispute results. Every time I try to access this online, they seem to can't varify me and I have to call in. Well, when I call in they ask me the same series of questions as the online prompt does. At the end of the conversation, they always say that they can't varify me and I need to mail in documents. 
It is the same information that all ( 3 ) credit beaures have on me. These people are rude and their is language barriers here. How can I make the necessary corrections to my credit report if I can't access it. They are truly no help. There is a blog out on the web of thousands of people who are complaining about how Equifax operates ... ..
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (UT)

EOS CCA is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that EOS CCA has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial (OH)

On or around XXXX of XXXX, I began receiving calls from someone claiming to be a process server representing Spotloan. The individual stated I had taken out a loan with Spotloan, the loan was in default, and I would be served papers outlining a court action against me. I first advised I hadn't taken any loans out with this company ( nor any other ). Further, the process server refused to provide any information I requested including the type of debt, the alleged amount, dates, etc. Following this troubling call, I contacted the alleged originator, Spotloan and spoke with XXXX XXXX, Credit Service Manager ( XXXX XXXX ). I explained I had not taken out any online loans let alone one with Spotloan. I advised they identify the bank the funds were direct deposited to. XXXX put me on hold while she dug further. When she returned, she advised that the individual who received the funds was, in fact, not me but rather a person named XXXX. She stated she'd mail a letter to me ( see attached fraud inv. attachment ) confirming the loan was not taken out by me and that I was, in fact, a victim of identity theft. Further, XXXX indicated the matter was closed and I would no longer be contacted by Spotloan or any of its affiliates. What's more, I was told this alleged debt would not be sold. 

In XXXX of XXXX, I received a letter from a company called XXXX XXXX XXXX, XXXX, instructing me to contact XXXX XXXX XXXX XXXX XXXX Vice President of Client Services ( XXXX ) to resolve. I made contact Mr. XXXX and advised this loan was not taken out by me. I reached back out to Spotloan and spoke to XXXX S. ( XXXX ) who contacted the debt purchaser ( XXXX XXXXXXXX XXXX ). They confirmed that my account had been closed ( see debt_solutions attachment ). Even though I was promised that this fraudulent activity would not be reported to the agencies, this alleged default was indeed reported not once by XXXX XXXX XXXX, but three times. Even though this was a debt I contested, I received a letter from BlueChip Financial ( dba Spotloan ) stating the debt, ( of which I never incurred ) was forgiven due to a class action settlement in Turner vs, ZestFinance, Inc. ( cs. no. 3:19-cv-293 ). Receipt of this letter further upset me as it suggests the debt was valid yet forgiven. Spotloan sent two 1099-C forms ( attached ) : the original reflecting an actual amount I was never responsible for to begin with and a corrected form reflecting {$0.00} of debt discharged. 

Today, XX/XX/XXXX, I received an offer to settle the debt from a company identified as XXXX XXXX XXXX ( see halsted attachment ). I reached out to this company to inform them that this, as explained to the other collectors, was fraudulent and requested they send a letter reversing this action as it was proven through an investigation by Spotloan to be just that, fraudulent. Knowing the behavior of these organizations, I'm now reaching out to you to address this most egregious action by multiple collectors.
Consumer complaint received 2021-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.