davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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: Financial Data Systems (SC)

On XX/XX/2020 Financial Data Systems added a derogatory mark on credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial Data Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AP)

I am once again unable to unfreeze my credit report with Experian. I could temporarily unfreeze my credit report with XXXX and XXXX in less than 5 minutes. However, despite having a working account with Experian, I can not get past a " Free Offer '' once I successfully log in. The site does not work, and considering I am XXXX  military, I can not contact anyone during my working hours. Their website is either purposely confusing or poorly designed. Either way, this is preventing me from obtaining a mortgage. Their phone system only directs you to their ineffective site. See attached screen shots.
Consumer complaint received 2021-09-13
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. (OH)

My Court ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, Equifax and XXXX XXXX state otherwise. The reports were altered for what they wanted me to see. all positive reporting!
Consumer complaint received 2021-09-13
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. (OH)

My XXXX ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, XXXX and Trans Union state otherwise. The reports were altered for what they wanted me to see. all positive reporting!
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (CA)

Someone opened a credit card under my identity. I never opened a card until XX/XX/XXXX. They opened it on XX/XX/XXXX and seems to me that they have been doing monthly payments for about 6 months. Just trying to get rid of this payment history that is not mine.
Consumer complaint received 2021-09-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Credit and Collections Inc. (WI)

In XXXX this account was reported to my credit in the amount of {$530.00}. It was charged off and placed back on my report in XXXX. They have now posted that the date placed for collection was XX/XX/XXXX which isn't true due to this information being falsely reported because no debt is owed, which is the reason it was charged off once before. They've updated my credit report XX/XX/XXXX without notifying me of any changes made what so ever. On my report it states that this debt is estimated to be removed XX/XX/XXXX which continue to update and change whenever the company feel the need to do so.
Consumer complaint received 2023-01-11
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : 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 writing instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer.
Consumer complaint received 2021-09-13
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. (MS)

I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. TransUnion and XXXX are reporting my XXXX student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).
Consumer complaint received 2023-01-11
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : 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 writing instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer.
Consumer complaint received 2021-09-13
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: WELLS FARGO & COMPANY (MO)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX 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.
Consumer complaint received 2019-08-11
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. (LA)

On XX/XX/2019 andXX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After TransUnion initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion of the accounts. I never got validation of the debts from XXXX or deletion of the accounts.
Consumer complaint received 2022-04-06
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: Aldous & Associates, PLLC (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (GA)

THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave XXXX, Equifax, or XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.
Consumer complaint received 2021-09-13
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: Collection Bureau of America Ltd. (MO)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

On our mortgage fell below the 78 % required for automatic removal of PMI approximately XX/XX/2019 as required within the Homeowners Protection Act. We have contact PNC to remove the PMI, however this has still not occurred. When we contacted PNC they stated we would receive a response with 10-15 days. It has been over that time frame. We received an additional letter dated XX/XX/XXXXwhich stated we would receive another response within 5 business days. We have still not heard anything related to the removal of PMI, we have spent over 2 hours on hold and nothing has been resolved.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I had to pay a utility bill in a home that I never lived in. Was XXXX XXXX XXXX stationed in Hawaii. Sent proof of my residency. I was told if I paid it they would remove it off my credit report. Penn credit corporation XX/XX/2020 XXXX. Paid in full and not removed.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

NON- MAILABLE ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE
Consumer complaint received 2019-08-11
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: Avant Credit Corporation (MD)

Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Avant XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with Avant period.
Consumer complaint received 2019-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.
Consumer complaint received 2019-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (FL)

I fell behind on my payments due to lack of employment. Advised the lender of such information and they still repossessed both of my vehicles. Now I am being told I am responsible for the balances after the vehicles were sold at auction.
Consumer complaint received 2019-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (CA)

This complaint is in combination with complaint # XXXX submitted on XX/XX/19. American Education Services continues to demand payment of these student loans, completely violating the automatic stay from my Son 's bankruptcy. Attached is another letter we received from them now demanding payment from co-signer. Something needs to happen to stop the servicer. They continue to persist in the communication even though we have provided them information on the bankruptcy and the previous complaint I filed with CFPB. I am now going to ask the Bankruptcy Trustee to fine this company for the continuous violation of the bankruptcy law.
Consumer complaint received 2020-11-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Johnson Mark LLC (OR)

Today, XX/XX/2020 at XXXX PST, I received a call from an acquaintance ( not a spouse, never lived at his address, not a relative ) who told me a man came to his door and would not stop knocking for almost 30 minutes. When my acquaintance opened the door the man asked if he knew me - he said yes. Then the man asked if I kept an overnight bag there, and asked my acquaintance his name. When my acquaintance told him, the man stated his name back to him and substituted my last name as follows " oh so your name is really BLANK BLANK, '' inserting my last name. When my acquaintance corrected him and said NO, the man handed my acquaintance a four page legal document that contained some type of debt collection details and said give this to her. My acquaintance was appalled at not only this VERY obvious violation of my privacy and my rights, but at the disgusting tactics used by this man at trying to collect a supposed debt. I have sent the company a cease and desist in writing and filed complaints with the XXXX  for this situation. This company is violating the FDCPA by harassment and disclosure in addition to violating a previous request of no contact.
Consumer complaint received 2019-08-11
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. (AL)

I submitted a complaint XX/XX/2019 requesting that all disputed information be immediately deleted from my credit report. The company responded asking for another 60 days in addition to what law alloted which is a direct violation of my rights. This company has continued to violate my rights at every turn even this one. This is my last time asking them to delete all disputed Items immediately from my credit report per FCRA604 or I'm forced to file suit for ALL OF THE VIOLATIONS that have taken place and are taking place. This is my last request! The previous complaint number is XXXX
Consumer complaint received 2019-03-04
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: LEXISNEXIS (CA)

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.