davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
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. (UT)

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Consumer complaint received 2022-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Insight One Solutions, LLC (OH)

Sortis Financial Inc. has placed a bad debt on my credit report and placed a lien on our property, asking for {$51000.00}, the original loan amount was {$23000.00}, the rest is interest. I am totally unaware of Sortis Financial Inc. and any debt supposedly owed to the company. I have contacted our attorney for our XXXX XXXXXXXX documents which show that back in XXXX XXXX XXXX XXXX was added to our XXXX XXXXXXXX for the amount of {$23000.00}. I had this debt from XXXX, this debt was discharged XX/XX/XXXX. 
I note here that Sortis Financial Inc. has never contacted me about any alleged debt, if they had I would have told them they purchased a Bad Account for Collection. I can not be held at fault for Sortis Financial being ripped off by the people they purchased the debt, company name unknown. At any rate, Sortis Financial Inc. actions are unwarranted and have caused us harm affecting our home mortgage refinancing application, this very well could cause us the loss loan. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Commonwealth Financial Systems the accounts are as follows : XXXX, XXXX  and XXXX  : 1.  Commonwealth Financial Date Assigned : XX/XX/2017 2.Commonwealth Finacial Date Assigned : XX/XX/2017 3.Commonwealth Financial Date Assigned : XX/XX/2017 Please be advised that I am disputing these collections due the fact that ; Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that Commonwealth Financial System are licensed to collect debts in Florida. 
Your immediate response will be greatly appreciated.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

I have a lease with Ford Motor Credit my account number is XXXX I have always made on time payments since XX/XX/XXXX. I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you on time.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PNC BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-03-05
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: EQUIFAX, INC. (FL)

Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have disputed these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true credit report.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SECURITY FINANCE CORP (FL)

On XX/XX/XXXX I reached out to the collector from XXXX XXXX XXXX in regards to my vehicle loan. I informed XXXX XXXX that the financed vehicle had been under repairs for the past 25 days due to the vehicle not starting. At that moment I had not recovered my vehicle from the dealership/shop yet. I also notified her that the initial repair costs exceeded the amount of {$800.00}. An amount close to the actual worth of the vehicle. I informed her that this vehicle was purchased at one of their dealerships on XX/XX/XXXX and I only had the vehicle for personal usage for about only 3 months before the vehicle completely broke down and could not be started. I was never offered a Warranty by XXXX within the first 90 days as advised by the seller. XXXX XXXX proceeded to tell me that the events are " too early in the agreement '' for her to offer me any options. Despite {$2000.00} plus two full payments being made on the vehicle already. She insisted several times in collecting a payment, asking me if I could make a payment the following day, after being told repeatedly that the vehicle was not under my possession and could not be driven. I assured her that the vehicle can be paid on a monthly basis as originally agreed with the exception that the damages on the vehicle are ridiculously high and the product financed ( vehicle ) can not be used for personal purposes as it is the purpose of this loan. She was also made aware that on XX/XX/XXXX an appraiser from my Auto Insurance was sent to appraise the vehicle. After this, the determination was that the vehicle was " worn out '' and " faulty ''. After one attempt of the vehicle being repaired, the vehicle was picked up on XX/XX/XXXX but failed to stay on and be driven outside the dealership. The vehicle has been identified as a risk to be driven on the road as it can shut down at any moment resulting in an accident as it happened twice before. Before our call ended, she again repeated that there were no options available at this time and threaten to damage my credit and to call back the following day with an update from the shop. However, as part of the terms and conditions of the initial agreement ( XX/XX/XXXX ) it is stated that I can ask for a deferral of the scheduled due date of all or any part of a payment. In addition, no options to change the vehicle were discussed either. I was able to pick up the vehicle later that day for a total repair costs that exceed {$1000.00} plus rental fees during the time that the vehicle was under repair ( 20 days ).
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion File # XXXX XX/XX/XXXX Employment Data Reported : Employment information is not right I have listed the correct employment that should show. Transunion keeps putting or has wrong information or Employment missing. I have also attach 2 companies I work for the past 2 years that's not showing and I uploaded a current XXXX XXXX XXXX XXXX Current Position on all Employment XXXX XXXX XXXX   XXXX Current XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX   XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past date Transunion has as Verified is incorrect because I have not work for XXXX XXXX XXXX since XXXX these are my correct Employment
Consumer complaint received 2022-09-08
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. (LA)

Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 


Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. 


XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-09-08
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. (TX)

I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, XXXX, and Experian credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, XXXX, Experian, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!
Consumer complaint received 2022-09-08
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. (TX)

I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, Equifax, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, Equifax, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 records of convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The Following accounts have been disputed several time through out 2021 last disputed XXXX/XXXX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the 3 credit bureaus XXXX XXXX XXXX Status date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX XXXX XXXX  XXXX there are 3 different accounts listed for Transunion and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not XXXX  years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
Dept of EdXXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received a Bank of America credit card in XX/XX/XXXX that I did not authorize. 

When I received the new card, I thought it was a replacement card for my only credit card opened with them. I do not activate cards until I need them, so I placed the envelope with the card in my desk drawer. 

In XX/XX/XXXX, I received a letter from Bank of America stating that if I did not use my credit card it would be closed due to inactivity. Since I thought this was my original credit card, which holds my oldest line of credit, I went to pull it out of the desk to activate it. 

When I pulled it out, I also looked at the original card. I realized that the two cards did not have the same numbers and that the expiration date for my original card had not even passed. Bank of America opened a credit card in my name without my permission, expecting me to activate it and use it. 

There have not been any other cards opened in my name without my permission or other identity theft issues in my credit report. 

I have tried calling Bank of America three different times to resolve or help clarify how this card was opened. I have asked repeatedly for the information regarding the opening of this account ( what signature they did have, what social was used, what address was listed on the application, what ip address did this credit inquiry come from ). Instead, I am constantly redirected between Credit Card services and Fraud over the telephone. 

I traveled 10 hours to visit a brick and mortar Bank of America to see if they could help resolve this issue. Instead, they just dialed the customer service hotline from their landline and let me volley between Credit Card services and Fraud again. 

Nothing has been resolved.
Consumer complaint received 2021-02-06
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: Sequium Asset Solutions, LLC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OK)

In XXXX, 2018 my company had requested a corporate American Express card. Two days after receiving the card it was stolen. I contacted American Express and provided them with the information. Needless to say they decided to switch the account over to an individual account and made me responsible. I told them this was a credit card fraud. We only had the card for three days then I closed the account. Since then, American Express has done everything possible to destroyed my credit rating. Now my credit score went from XXXX down XXXX. 

XXXX XXXX now has the case and advised me my credit rating will go down until I agree to pay the charge. Phone number is XXXX American Express disputes XXXX My contact number - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

i XXXX XXXX XXXX li8ke to make a complain against freedom mortgage because they are trying to take my home to sale while i send in a loan modification package in XXXX XXXX 2016 and they said they did not received so i talked to them and they said my home is going to sale anyways and i had send the package two times
Consumer complaint received 2022-09-08
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. (IL)

I've filed multiple dispute letters with all three credit reporting agencies stating that the inquiries were incorrect and falsely reported and also against the law. I would like all of those inquiries removed. My phone was compromised as well as my personal info. I would truly like to see these inquiries removed immediately.