davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOOGAIN, INC. (CA)

In XXXX I have noticed that there were unauthorized transactions on my XXXX account. There were subscriptions to video-game type services from XXXX XXXX that I have never seen before. 3 services : {$190.00}, {$310.00}, {$100.00}. These were subscriptions, so by the time I noticed it over {$1000.00} has been withdrawn. When I checked my account activity for that XXXX account I saw that a device ( a phone ) has been accepted that I have never seen before. I immediately closed the XXXX account filed a claim with them and my bank, XXXX Bank. On XX/XX/XXXX my bank denied my claim due to XXXX reporting the transactions as not fraudulent. A Bank representative told me that XXXX said these transactions were not fraudulent because they had my name and address and all information was correct. All that information was obtained from my XXXX account. My direct deposit from work was associated with that gmail account.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NV)

On XX/XX/18 I signed documents to refinance my mortgage from Freedom mortgage XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. Freedom Mortgage XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (TX)

I have disputed these fraudulent charges recently and of the 2, One was removed but they are clearly made in the same store by the same person but only one was used. I am disputing the other charges as well. On XX/XX/16 The amount was {$790.00} with XXXX XXXX
Consumer complaint received 2021-06-28
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. (NC)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 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 with 30 days gives a reason to immediately remove those items from my credit report it has been over 48 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-13
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (NJ)

I was a member of XXXX XXXX XXXX starting back in XXXX. My contract expired in XXXX. XXXX XXXX XXXX bought the company out and the gym memberships resumed without contract month to month. I was never subjected to any fees due to the fact no contract has existed since XXXX. Another company XXXX XXXX XXXX purchased XXXX XXXX in XX/XX/XXXX. I was never contacted in regards to my membership, I was unable to go to the gym due to it being closed for renovations. Still without any contract and no contact made to see if I wanted to stay with the new company I took it into my own hands and declined. I am not receiving bills for the month of XXXX. I am not a member nore do I have a contract this is becoming harassing, I do not owe this new company any money. XXXX XXXX is trying to put be in debt.
Consumer complaint received 2018-09-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Randolph, Boyd, Cherry and Vaughan (NC)

In XXXX, after careful review Randolph, Boyd, Cherry & Vaughn Law firm   gave me written notice that it is no longer within the legal confines to collect this debt as per the State of Virginia Statute of Limitations after I objected to their collection attempts on this timebarred debt with XXXX XXXX XXXX. There was a judgment obtained for this debt in the State of New Jersey, XXXX County in XXXX, approximately 10 years later, in XX/XX/XXXX the law firm obtained a judgment in the State of Virginia  XXXX County of XXXX. A XXXX XXXX was delivered to my place of employment dated XX/XX/XXXX although the debt is no longer valid. This debt is over XXXX XXXX XXXX and per the Law in the State of Virginia it is over the Statute of Limitations.
Consumer complaint received 2023-08-05
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. (AR)

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disputed these 3 Accounts XXXX, XXXX & XXXX XXXX XXXX I disputed the accounts challenging its accuracy and completeness. The letter I sent to XXXX, XXXX and Experian are dated XXXX XXXX, XX/XX/year> and XXXX XXXX. These XXXX accounts are still being reported inaccurately by reporting three different Dates of Last Activity, three Different Last Payment dates and reporting Missing/Incomplete information such as NO Closed Dates that are being reported on CLOSED accounts. I have given the consumer reporting agencies chance after chance to correct the errors and update my credit report in which they continuously failed to do so. They continue to violate my rights under the FCRA by reporting false, inaccurate, erronoeus and misleading information even after I told them and presented to them facts of my concerns that I needed to be addressed. I have attached my previous dispute letters in an attempt to correct my credit report so I can finally be approved for a new house so my family and I can obtain a little more peace in our lives. Specifically my right under FCRA Section 623 ( a ) ( 3 ) has been violated which says that If I dispute any information I believe is not accurate, then I have the right to do so and the Credit Reporting Agencies must not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. In this case XXXX, XXXX, and Experian failed repeatedly to enter the notice that I disputed the accounts XXXX XXXX & XXXX XXXX and purposely decides to report fraudulent information on my credit report.
Consumer complaint received 2023-01-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account : has violated my rights : XXXX - XXXX - Late Payments 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (IL)

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Consumer complaint received 2020-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment received on XX/XX/2020, which consequently results in a 30 day late payment to be reported to the credit reporting agencies. 

On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment as received on XXXX 2020 I have contacted the company numerous times via telephone and by email ( which included proof of payment ) regarding the first matter since XX/XX/2020 and about both matters since XX/XX/2020. 

To date I have not been contacted by them and the errors have not been corrected.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX 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 2023-01-29
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. (FL)

This is a follow up to my previous complaint XXXX. 

XXXX. The Transunion credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to XXXX XXXX
Consumer complaint received 2020-10-13
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: RentDebt Automated Collections, LLC (TX)

In XX/XX/XXXX I received orders to deploy immediately via permanent change of duty station and had to move out of my apartment with short notice. The apartment complex was XXXX on XXXX in XXXX Texas at XXXX XXXX XXXX XXXX. Upon move out a water valve in the apartment for the washing machine failed and caused flooding. This equipment failure has nothing to do with my actions and caused a very stressful situation in my apartment trying to get the water shut off. The apartment complex added almost {$400.00} in water abatement fees to my final rent statement, which I disputed as I was not at fault in the matter. During the dispute timeframe XXXX on XXXX changed management companies and the new management company ignored my dispute and sent the statement into collections. Rentdebt inc received the collections notice and notified me. I contacted XXXX on XXXX to continue the dispute and explain the situation. XXXX on XXXX offered to review the final statement and while I awaited the results of their review the account formally entered collections. I have contacted rentdebt and paid the original amount owed in XX/XX/XXXX as I felt there was no recourse for me. I am a federal employee with a clearance and I am applying for new federal positions which do not accept applicants with accounts that have been in collections ( Army Chaplaincy and a federal law enforcement agency ). I know there are consumer protections to prevent property management companies like XXXX on XXXX from erroneously charging excessive or unfair fees upon move out but at this point I feel like a victim of a massive real-estate company sticking me with the cost of their lack of building maintenance and have no other recourse than to continually dispute the entire affair. I have explained the situation to Rentdebt inc and they have refused to remove the account from my credit report. I have disputed via XXXX   twice with no change. Please investigate and assist me with this predatory leasing/landlord situation. XXXX on XXXX leasing office can be contacted at XXXX and rentdebt inc can be contacted at XXXX. I can be contacted at XXXX.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018 - XX/XX/2018. 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.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

We paid the account off to XXXX XXXX bank, XXXX, with the correct account number before it was due. Now they are assessing interest, late fees, and reporting to credit agency saying it was late because they did not recognize the account number.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Wednesday XXXX XXXX XXXX Dear CFPB employees, Subject : Complaint - Request for Proof of Late Payment under 15 USC 1666b To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding a disputed late payment on my consumer report. I have requested proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, that the payments were indeed late based on the specifications of 15 USC 1666b, but they have failed to provide the required information. 

I am a diligent consumer who is well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer financial protection laws. I recently corresponded with XXXX XXXX, specifically with XXXX XXXX and XXXX XXXX, regarding the late payments that they have listed on my consumer report. I requested in good faith the necessary documents to prove that the information required by section 1666b of 15 USC was mailed out or delivered 21 days before the payment due date. 

However, they have not provided any evidence or documentation to support their claim of a late payment. I assert that according to the law, a creditor can not treat a payment as late without complying with the stipulations outlined in 15 USC 1666b. I have not received proof of such compliance. 

This refusal by XXXX XXXX and XXXX XXXX to provide the requested information is a clear violation of section 15 USC 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act ( FCRA ) and section 15 USC 1666b & 1637 ( b ) of the applicable title. 

I hereby demand that XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX provide the required information and proof of the alleged late payment within XXXX calendar days from the receipt of this complaint. Any correspondence NOT including the proof I am demanding will be deemed a failure to comply. Failure to comply with this request will be deemed as an admission that the reported late payment is erroneous, and I insist on its immediate deletion from my consumer report. 

Furthermore, I will be submitting this complaint and the related facts and correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX and you guys, the Consumer Financial Protection Bureau ( CFPB ) for further investigation and appropriate action if XXXX XXXX XXXX XXXX and XXXX XXXX do not rectify this matter promptly. 

Thank you for your attention to this serious issue. I look forward to a swift resolution and the accurate representation of my consumer report. 

Sincerely, XXXX.
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 the company by the name of EOS CCA has violated my rights. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) States that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that any consumer reporting agency may NOT furnish a consumer report without the written instructions of the consumer to whom it relates. I have no knowledge of this company. I have signed no contract with EOS CCA. I found out about them when they appeared on my credit report. Damaging my credit score and furnishing inaccurate information.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2021-07-20
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. (MO)

XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with Experian, XXXX, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.