davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent certified mail to Experian disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with Experian and included a copy of the Final Judgement of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think Experian is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to Experian, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Stellar Recovery, Inc. (CA)

i called the collection agency for my debt verification. but they cant verify it. and it wasnt on their system. and said that they will remove it on my credit report. its been 2 months i believe but its still shows on my credit as open and with negative information.
Consumer complaint received 2017-09-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LoanCare, LLC (WA)

XXXX XXXX also known as XXXX XXXX handled a mortgage which was discharged in Chapter XXXX in XXXX of XXXX. In XXXX of XXXX I filed a complaint ( XXXX ) with the Washington State Attorney General 's office because that information had been provided to the lender but they continued to making threatening calls to me about collections even when they had my full Bankruptcy information. On XX/XX/XXXX, I received an email from my credit monitoring service that a new credit inquiry was done and to check. I looked online and XXXX XXXX XXXX had run a hard inquiry against my XXXX. I had not heard of this organization and with the recent XXXX issues, I looked this company up. They are the same as LoanCare. I did not authorize them to pull my credit. I have not made any contact with this organization since my state complaint specifically was to check their business practices and stop contact with me which was not legal post Chapter XXXX. This company is now trying to impact my credit by running random hard inquiries against my credit which each time, is dropping my score a few numbers due to the inquiry.
Consumer complaint received 2020-10-06
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AC XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The property I owed located on XXXX XXXX XXXX in XXXX, IL was sold on a short sale on XXXX. The creditor, XXXX, continues to report the account as past due on XX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as of XX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/XXXX.
Consumer complaint received 2017-09-11
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. (CA)

In XX/XX/XXXX, I got the statement for Pell-Grant over payment from XXXX XXXX XXXX XXXX.
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down 50 points IN XX/XX/XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and XXXX XXXX XXXX XXXX at all until XX/XX/XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XX/XX/XXXX ). 
When I got my statement from XXXX XXXX XXXX XXXX, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XX/XX/XXXX. This issue reported at XX/XX/XXXX from XXXX XXXX XXXX XXXX. I do n't  understand why. I did n't get any letter, email, statement or bill before XX/XX/XXXX. Simply I got the statement in XX/XX/XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XX/XX/XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XX/XX/XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XX/XX/XXXX Now I am in extremely hard time. Please help me.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I opened an account in Bank of America in XXXX, and I deposited XXXX dollars in it. Because of the epidemic, I have not used this money.I didnt make any transactionbut someone transferred my money away on XXXX XXXX The bank did not notify me. I found this problem on XX/XX/XXXX, so I contacted customer service, but The customer service only gave me the transaction record and gave me the phone number, but the phone couldn't get through. When I called, the ring rang and it was disconnected. I tried to find the customer service many times. I was helpless. Now I have no job, no income
Consumer complaint received 2019-10-25
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (OH)

I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBC Credit Services, Inc. (MI)

I filed a dispute online with CBC Credit Services Inc on two different occasions, and each time the CBC sends me a list of all of the VERY PRIVATE PROCEDURES done to myself and my child. I was under the impression that this information is confidential and I must give permission for CBC to have any of my medical records. I have received detailed medical records from me and my XXXX minor children. The information contained in these files is to be treated with the utmost confidentiality. Allowing a Credit Collection Company having my personal information regarding my children and myself is a criminal offense.
Consumer complaint received 2017-09-09
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. (CA)

Equifax not only suffered a security breach for several months, they neglected to notify affected parties in a timely manner. They also are only offering a single year of identity protection, and persist in charging for credit freezes to mitigate damage going forward.
Consumer complaint received 2017-09-09
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)

My information/data was stolen from Equifax during their large security breach in 2017. I am filing this complaint to report the theft. I believe Equifax did not take the proper security measures to safeguard my data.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLC/RESURGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, OR, LVNV FUNDING LLC ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( 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. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX/LVNV FUNDING LLC XXXX Unverified Account
Consumer complaint received 2017-09-11
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: BARCLAYS BANK DELAWARE (IN)

I have sent numerous request to Barclays Bank Deleware via Certified mail with return receipt, Requesting proper validation of this debt they claim. each time the company ignored my request and sent the same computer generated letters with itemized bill ect.. I shared the FTC option letter with itemized bills with them.
They have not provided me with any documentation bearing my signature, Showing any type of agreement or contract between myself and the party.
I have called this company onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Each time I requested information/ Documentation bearing my signature showing that I owe them money and that the account belonged to me, They refused each time, I was told they could not honor my request.
I sent them the first letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the second letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the third letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the last letter dated XX/XX/XXXX, They singed for it onXX/XX/XXXX After each letter they did not actually mark my credit reports as " Disputed '', They marked them as " Investigation complete, consumer does not agree '' They also Deleted the account off my consumer credit reports and then added them back on the reports causing my scores to drop 20pts each time.
I feel that I have gave them ample enough time to resolve this issue and send me the documents bearing my signature, showing that I have an obligation on this alleged account.
This company has also reported to the Consumer credit reporting agencies, Wrong names and Address that I have never had, claiming them to be mine, In which the Consumer credit reporting agencies will not correct the error with name or address because it is connected to this account.
The responses I seem to get repeatedly is : " We completed our investigation and confirm your account is being reported accurately ''. I have not seen any proof that this is being reported accurately as of yet. They have failed to prove any of the information I have requested.
This company sent me a computer generated paper that they claim is the application I filled out for this alleged account, after looking at it, it does not have any part of my social security number on it to identify me, It has an incorrect last name and e-mail address that I have never owned. and an address I have never had, lived at or had anything to do with in a city I have never lived in. The mothers maiden name is incorrect ( NOT MY MOTHERS MAIDEN NAME ) This is claiming that I applied online, At that time I did not use the internet, I did not use computers and I was living at my current address, where I have lived for the last 25 years.
In some of the correspondence from this company they have referenced my " XXXX Account '' I have no idea what that is.
I have attached all correspondence from me and this company to this report.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX  
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017 I attempted to file a dispute for some inaccurate information for my XXXX XXXX credit card but the online dispute system refused to accept my dispute. Listed below is the basis for my dispute. 

On XXXX XXXX, 2017 I received a notification from XXXX stating that my XXXX XXXX credit card account was 30 days past due. When I contacted XXXX XXXX they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. I then contacted customer service again and spoke with XXXX ( # XXXX ) and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX 1 in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. If XXXX XXXX would have applied the payments as instructed then the account would be current.
Consumer complaint received 2022-02-09
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. (AZ)

I have a inaccurate 30 day late payment marked with XXXX XXXX for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments
Consumer complaint received 2017-09-10
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. (DC)

Between XX/XX/XXXX and XX/XX/XXXX 2017, Equifax allowed malicious actors to obtain my personal information, including my social security number, date of birth, and previous addresses. I utilized their website ( www.equifaxsecurity2017.com ) and was informed that my information was likely caught up in the attack. Their failure to adequately secure this information has put me and millions of others at risk of identity theft for the rest of our lives. I have now paid {$50.00} to freeze my credit with all three bureaus as well as XXXX and XXXX.
Consumer complaint received 2021-05-21
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. (FL)

I try dispute with all 3 Bureus a chapter 13 also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Consumer complaint received 2017-09-10
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. (IL)

The equifax company leaked my information to people, including ssn, date of birth, name, sex, address. This is unacceptable and very unprofessional! I feel very unsafe now.