davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

For the past 1.5 years All 3 credit beaurous have erased items on my credit erased history and have added inaccurate things. I have been working on my reports for 4 years and know exactly what should be on there. They ask me for proof I send it, They want me to call the creditor I do. There is nothing else I can do except keep going in circles for this to be corrected. 
1. XXXX is misreporting my XXXX once they added it again. showing I only had the account for a little over a year when Ibhave made payments in full every single month since XX/XX/2017. They added the account back on but it is not showing the correct length of history which is causing a negative drop in my score due to no or low credit history. I have made Payments in full every single month Since XX/XX/2017 That needs to be corrected and once that gets corrected # 2 Equifax and XXXX need to get there facts straight because they have already and are still continuing to destroy my credit. 
Equifax had me reported as deceased for a good 6 months. 
I have sent everything, The creditors have sent letters. They are wrong and once they finally realize that thos account should of never been removed It needs to be added correctly just like the fact that XXXX  has the dates wrong and that Needs to be fixed I have already done so multiple times, The bank has contacted them. I have shown evidence they asked for with still no change. I have contacted both the bank and the credit beaouros Equifax and XXXX. The creditor ( XXXX XXXX  XXXX states they have been reporting it and never stopped since XX/XX/2017. They say that I need to call the credit beaurous. The credit beaours are telling me to call them. Well the credit beaurous are the ones who have destroyed my credit for the last year by erasing items as well as not reporting correct dates. This is not a game. I have always paid all my debts off in full every month I should have years of credit history and I am graded a F in that area. Along with reading the once was reporting XXXX vanished just like XXXX did. I have sent documents of the reports showing the account and showing every single payment every month in full. I have provided Letters from XXXX  explaining that they are not reporting correctly, They have contacted the beaouros about this as well. Nothing has happend. I should have 4 years of history with 2 accounts and 13 years with XXXX .Just fix this We have done our part Both the creditor and myself have given them every document and proof that this account Should be reporting on a perfect history since XX/XX/2017 and they failed to do what they said they were going to do once the info was received it took 10 calls to finally convince my creditor that they were denying to report this due to the bank Never stopping it should of never came off my credit to begin with over a year ago. This account is 4 years old!
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (IN)

Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report this account as open and derogatory. They were listed and included on the creditor matrix at the time of filing which was XXXX XXXX, XXXX.
Consumer complaint received 2019-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

" Reference to People United Bank ''. I fell behind on my loan and before People United Bank ( Formerly XXXX XXXX ) and I went to reinstatement my loan the judge allowed them {$15000.00} in attorney fees. At the time of the reinstatement, they invoiced me {$54000.00} for attorney fees and another {$5000.00} in committee fees. So at the reinstatement, I had to give the bank {$59000.00} or lose my house. That didn't include the {$600000.00} that they had requested that I also paid. They said if I didn't pay them everything they would foreclose on my property. The Bank totally disrespected and disregarded the judge 's order. The breakdown consisted of 6 bullet points with two to five-word breakdown on each. Nothing more explaining how they came up with any of their numbers. The banks closing sheet changed 3 times over the two months prior to closing by {$31000.00} in their favor. They clearly had no accountability for their numbers. After the closing, I emailed to ask for a breakdown and a credit for the fees. The sent me two small checks at different times stating they had overcharged me at the closing on the interest and escrow. After that, there was radio silence and XXXX XXXX didn't return my calls or emails. I received a letter that People United Bank bought out XXXX XXXX. I guess XXXX wanted to make their books look as good as possible even at the cost of their clients. I then notified CFPB and received partial credit for the overcharge of attorney fees and committee fees in the amount of {$13000.00} still leaving a balance owed to me after also deducting for the {$15000.00} ordered by the judge of {$30000.00}. I guess they thought giving me something would make me go away. I finally spoke with XXXX XXXX XXXX loan operations a few times at Peoples United Bank. He promised me about 6 weeks ago that he would get me a DETAILED break down of the closing. I have never heard back from him nor have I received any of my overpayment back. I left him a message a few weeks back and still radio silence. This seems to be the protocol for the way they do business. I keep trying to work with the bank before going back to the judge and having to waste more money on attorney 's fees.
Consumer complaint received 2019-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I received a letter from Diversified Consultants dated XXXX.19. On XXXX.19 sent a certified letter to Diversified disputing and explaining that I had already set up a monthly plan and had made payments, and that amount on their letter was not accurate. Instead of sending me the back up records they ignored my letter and reported this incorrectly to the credit bureaus.
Consumer complaint received 2017-12-12
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. (GA)

Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.
Consumer complaint received 2021-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I XXXX have run out of patient waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. 

Much Appreciated XXXX XXXX
Consumer complaint received 2021-05-21
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. (FL)

Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXXXXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX* 4. XXXX XXXX XXXXXXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC (MI)

This company has called my work phone number multiple times. The first instance my coworker answered ( before I arrived at work ) when my coworker asked for the number for me to call back they simply told her " Use the number on the caller ID '' ( Unprofessional, rude ) I called them back and let them know they were not allowed to call my business line at all. A week later ( today ) I received yet ANOTHER call from this company after telling them they were not allowed to call my work number. This is 100 % illegal. They do not speak to anyone once you tell them to not call Call dates XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX
Consumer complaint received 2020-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the TransUnion, XXXX, and XXXX  they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX and XXXX XXXX XXXXXXXX were original creditors for two credit cards that went into a default status. The creditors have since charged off the accounts. However, after contacting the creditors and Experian regarding the status of the accounts in writing the creditors and Experian have failed to update the status of the accounts to reflect sold to a third party and that the balance is now {$0.00}. Furthermore, Experian has confirmed by phone that the creditors are still reporting the accounts as owned by original creditors which is inaccurate and interfering with my ability to gain new credit in an attempt to raise my credit worthiness.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau Ripoffreport.com P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jim Bottin Enterprises, Inc (MD)

I started a gym membership roughly 1 month having my second XXXX to fix multiple XXXX XXXX I received while in the XXXX XXXX. I went to the gym everyday for about a month or two and my XXXX XXXX XX/XX/XXXX once again and my XX/XX/XXXX came back. So I stopped going to the gym in XXXX and the gym kept taking automatic payments regardless of my medical situation and failed to provide me my contract that they never gave to me. I was finally able to put a stop to the automatic payments in XX/XX/XXXX after they had taken my money up to this point. In XXXX I called and told them once again that I was going to put a stop payment on them and that I wanted to cancel my membership. I was advised to send an email providing details on why I needed to cancel my membership to their gym email and that I would hear back from them within 5 business days. That never happened I had another XXXX on or around the XXXX of XXXX to repair multiple re occurring XXXX XX/XX/XXXX and an inguinal hernia, that sustained while on XXXX XXXX in the XXXX XXXX back in XXXX that kept coming back. The company XXXX XXXX attempted to contact me multiple times but every time I answered my phone I got a voice recording with almost an hour wait sometimes 2 hours of a wait and was never able to get anyone on the line. Fast forward to present day, they have continued to harass me about my membership, and then, they sent my case to debt collectors who called me up, harassing me threatening me, threatening to sue me, etc. In the gyms membership I vividly remember it stating that at anytime I could cancel if I had a medical reason written by a medical doctor. I have multiple letters from my doctors that specify why I can not participate in unit PT at my command Do you do the extreme nature of my now XX/XX/XXXX XXXX. These letters also pertain to outside the command but are not directed towards the gyn they are lawful orders written towards me and my command to abide by since they are coming from a Medical Officer in the United States military. I am currently on a medical board for my XXXX and can not handle another ounce of pressure from these debt collectors. Please help!
Consumer complaint received 2019-03-10
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. (NY)

Transunion has recently changed an account ( XXXX department store ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now transunion has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. Transunion keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information
Consumer complaint received 2018-12-05
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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, XXXX/XXXX. XXXX/XXXX  XXXX/XXXX.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit acceptance keeps reporting my account as delinquent, this account has been current as of XX/XX/2019. A {$820.00} payment was made on this day. A {$190.00} payment was made on XX/XX/2019.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc :  XXXX XXXX XXXX XXXX P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (NV)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-03-10
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. (FL)

Equifax has not validated the dispute legally completely. I have submitted numerous letters asking for validation and or supporting documentation/signed signature indicating the owner of this account. Equifax has neglect to submit proper validations besides the wording valid. I spoke to an supervisor by the name of XXXX id # XXXX who advise equitable has submitted a response of XX/XX/2018 that it is mines. I ask her what information was verified to confirm validation. She said they just said it is my account and Equifax do not have to validate or support with any documentation even with a letter indicating request. I attempt to ask what information was verified she stated she is unaware and Equifax do not have to provide any information to consumer even though I answered all the security questions. Requesting to remove as Equifax has not yet validated this fraudulent account per my written request with statutes attached. Please see that confirm XXXX only removed the remark of the re-investigation that has been placed on my account since 2018. Also XXXX report shows the account was under re investigation but was never fully investigated by law completed. XXXX who the account was sold to could not validate this account with any supporting documents as well.