davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Also there are several inaccuracies with this account the way it's reporting and that's a total violations of FCRA and FDCPA. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-04-02
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. (OH)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-21
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. (FL)

THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2020-08-21
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. (FL)

THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im having a hard time getting my free credit report from transunion they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to incarceration i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.
Consumer complaint received 2020-07-20
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. (FL)

SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (GA)

Debt with XXXX XXXX XXXX XXXX has be re aged. Account was opened in XX/XX/XXXX is showing opened on XX/XX/XXXX. Account was not validated and should be removed as soon as possible.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

First and foremost TransUnion is the worst credit bureau out of them all. I 've been trying to reach them since Monday, XX/XX/2016. Since I 've reported fraud on my consumer report they make it hard for me to speak with a live agent. On today Monday, XX/XX/2016. I tried 8 times for 2 hours to speak with someone everyone told me that I needed to speak with the Special Handling Team Supervisor. After each time being put on hold for 45-60 minutes just to get transferred to a voicemail where no one ever calls you back. I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting TransUnion I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the TransUnion representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the TransUnion rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions
Consumer complaint received 2022-09-13
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. (GA)

THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-07-20
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. (FL)

SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

I'VE CALLED SEVERAL TIMES TO TRY TO CLOSE MY CARD BUT I KEEPING GETTING CONNECTED TO A BUNCH OF NON-ENGLISH SPEAKING XXXX!!!! CLOSE MY ACCOUNT IMMEDIATELY!!! THE MONEY YOU STILL OWE ME WILL HAVE TO BE MAILED TO ME BY CHECK YOU INCOMPETENT PIECES OF XXXX!!!!
Consumer complaint received 2021-03-03
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. (AZ)

XXXX County Indiana Child support and Experian have not worked together to resolve a lingering derogatory on my credit report. XXXX county Indiana child support put a derogatory on my credit report for over {$3000.00} at the end of XXXX. No prior notice of this being reported by them was given. Once I found out about this from my Experian account, I paid the balance in full on XX/XX/2021. They have yet to take the derogatory off my credit report. I have opened up several disputes with Experian and they have not acted. Not only did I never receive notice of this prior to, but I paid it the day I became aware of it and that was almost 30 days ago. Their failure to resolve it is an infringement that has resulted in damages, including my inability to perform my job since I am required to travel abroad and couldn't get my passport due to this travesty. 

Experian and XXXX Co lack of action to resolve in unacceptable and must be raised.
Consumer complaint received 2020-07-20
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. (GA)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, gave me two  letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

hi capital one bank and office of the president ; i'm crying right now and stressed out because I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (VA)

My wife closed Credit Card account on XX/XX/XXXX via Chase Customer Service. The Account was paid in full and auto pay shut off, account closed. On or about XX/XX/XXXX a recurring charge posted to the account while others were denied. We were unaware that anything had charged to the account. Subsequently residual interest was charged to the account on XX/XX/XXXX and then began the late fees. As far as we knew the account was closed with a XXXX  balance. We were not adequately notified that there was a remaining balance until pulling a credit report and noticing a 30 day late notification was on the report. I called Chase bank multiple times to address the concern and was put on hold for hours and told there was nothing they could do and also hung up on by a XXXX when pressing for resolution.
Consumer complaint received 2021-03-25
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: CL Holdings LLC (TX)

You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A XXXX XXXX can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I signed up for an account with Experian on XX/XX/2020. When I signed up for the membership, there was no indication during the process of sign-up that I would be charged for a monthly fee of {$19.00}. I didn't know until XX/XX/2020 that I was charged three times for {$19.00} each month. When I inquired them about these transactions, they told me that there was a monthly fee of {$19.00} after the first month free trial. They are saying that I can find the term that I would be charged for this amount in their Terms & Conditions, but it's hard for users to read every single clause on the Terms & Conditions and their website is very misleading as it advertises that it is " completely free and easy '' and there is no indication whatsoever that there will be a monthly charge incurred for the membership fee. I am sure many other users are unaware that they are being charged for this amount. I only found out after coincidentally noticing one of the transactions on my bank statement. Please address this issue as they are deliberately concealing the information on their fee to have people use their service. What is worse is that they are stating that they can't remove my information due to their internal retention policy when I demanded that all my confidential information uploaded to their system be erased. This is a completely deceptive advertising method and it takes your private information for good.
Consumer complaint received 2020-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing ( XXXX ) contacted me via phone regarding a delinquent mortgage they were attempting to collect. I do not have a mortgage. Bayview called my number because the name associated with the mortgage they were attempting to collect matched my name. Other than the same name there was no other association with the debt. Since I don't have a mortgage, or any other debt, there was no basis to associate my phone number with the person Bayview was seeking. There was clearly no diligence conducted on Bayview 's part related to my association with the debt or the Do Not Call list prior to calling me. When I asked how they obtained my number, given I didn't have a mortgage, and why they didn't check the DNC directory, the representative became belligerent.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

Regarding Equifax hack, it is impossible to request updated credit reports and security freezes due to high volumes ... despite repeated attempts. Why am I wasting my time trying to rectify their mistake? We did nothing wrong here. My expectation is that Equifax will : Provide monitoring until the end of my life AND will coordinate with XXXX and XXXX to do the same. Equifax will bear all costs associated with protecting all of those affected by the data breach. 

Seems like a simple ask for Congress and the CFPB.
Consumer complaint received 2020-08-21
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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc. (MI)

I received a collection letter from CBM dated XX/XX/2020 for a medical debt that does not belong to me. Attached was an itemized bill for an account number XXXX for a patient named XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, MI XXXX. The bill stated the patient had a new office visit, a XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a XXXX XXXX XXXXXXXX. The doctor was XXXX XXXX XXXX, M.D. As a XXXX XXXX XXXX I know whos ever documentation this is, the fact that I have it is a breach of HIPAA and confidentiality. I ask that CBM immediately cease collection attempts against me for a debt that does not belong me. I have never been a patient of this physician, nor have I ever had a XXXX XXXX, or XXXX.
Consumer complaint received 2020-07-20
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. (NC)

XXXX XXXX XXXX XXXX XXXX is listed as doing a hard credit check XX/XX/20. I do not recognize and did not authorize this, and the phone number listed to contact them is disconnected. I do not have a small business and have not applied for any loans. I do not believe this is legitimate. If this is actually ( which I doubt ) related to the CARES act, then someone has used my information to fraudulently apply for a loan.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (CT)

Key 2 Recovery has harassed me via phone with repeated calls after request to cease and desist. Key 2 Recovery has attempted to collect a debt claiming incorrect inflated amounts. Key 2 Recovery has been informed that the debt is under repayment with the original lender, but still tries to collect
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

I consolidated my student loans in XXXX XXXX. I have been in good standingwith the XXXX XXXX borrowers ( XXXX ) since XXXX XXXX. This acct waspreviously being reported in error as a collection/chargeoff up until recently ( approx. 6 mos ago ). after disputing this information ; consistently since XXXX and going thru great length and providing detailed documentation from thenational student database, this account was changed from collection/chargeoff to paid to paid/closed ( again approx. 6 mos ago ). I disputed the dates a few weeksago ( it reports open in XXXX & XXXX ). I challenged the timeframe ( 10 years ) toremain on my credit report and I received only a few days after the disputeresults from Experian not only not honoring the dispute/or removing them basedon the dates exceeding 10 years but the report was updated to CHARGE OFFAS OF XXXX XXXX THUS LOWERING MY CREDIT SCORE BY XXXX PTS. 
ONCE AGAIN, THIS ACCOUNT WAS DEEMED PAID/CLOSED AS ARESULT OF A EARLIER DISPUTE AND HAS BEEN CLOSED XXXX XXXX. 
Theres no activity/updates to this closed account!!!! THIS ACCOUNT IS NOTA CHARGED OFF ACCOUNT. ITS BEEN CLOSED SINCE XXXX!