davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the inaccurate and fraudulent information present on my credit report, which is a clear violation of the law governing credit reporting. There are several instances of misinformation on my report, stemming from inaccurate reporting, incomplete reporting, or the reporting of unverifiable information. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. I urge you to take immediate action to correct and remove these discrepancies from my credit report. It is imperative that you comply with the law by providing an accurate and truthful representation of my credit history. 
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 2021-09-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Service is violating multiple federal laws under USC 1692. For example USC 1692b ( 2 ), USC 1692b ( 5 ), USC 1692e ( 2 ). Also continued to contact after I claimed this debt was not valid
Consumer complaint received 2019-11-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2019 I submitted a dispute ONLINE WHICH shouldve taken 30 days to complete! This was a direct dispute which I have verification that I submitted that dispute! Meanwhile Ive gotten no update which in the previous complaint that submitted and TransUnion responded that they emailed me in my email. NO THEY DID NOT! Then they sent a letter out saying they were unable to determine the nature of your request or my request was illegible. This dispute was INITIATED ON XX/XX/2019. After checking the dispute status ON XX/XX/2019, I sent a Certified letter that same day which they received on XX/XX/2019 at XXXX XXXX.! 

On the previous response TransUnion stated that : According to our records, we received your initial request on XX/XX/2019 via online and initiated investigations into the disputed items. The investigation results were emailed on XX/XX/2019 to the email address provided with your disputes. Which is a lie because Ive checked every single email I have and spam folder and its very ironic they say it was completed 2 days before the initial end date meanwhile I still have proof that investigation has not been completed!
Consumer complaint received 2019-11-09
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: WAKEFIELD & ASSOCIATES, INC. (AZ)

I have requested numerous times in writing, verification of the fraudulent debt over the past 6 months. Wakefield and associates have refused to provide me with any proof that I owe them what they claim I owe. XXXX  and XXXX refuse to remove the unverified debt where as XXXX  does not list the debt. How is it possible that 1 agency has it correct while the other 2 do not? No matter how many times I ask for proof of the debt the collection company and reporting agencies refuse to provide any form of proof. This needs to be removed immediately as I am not aware of the debt. Wakefields refusal to offer any documentation supporting this false reporting should be punished. The credit reporting agencies who allow this false information to be posted should be held accountable for this as well. 

How is it possible to post something to a consumers credit report without providing any proof that I am responsible for this? 

I have sent several written requests with certified mail requesting some form of proof that the debt is in fact mine. This account without verification is identity theft.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and correct them immediately : 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 2021-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XXXX XXXX XXXX XXXX  and Bayview Loan is attempting to foreclose on my property with fraudulently robo signed assignments. I have mailed a 2 QWR and a debt validation neither have been responded to. The assignment are fraudulent. Bayview neither XXXX XXXX XXXX have tried to resolve my concerns
Consumer complaint received 2017-09-15
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. (TN)

I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with XXXX and equifax XXXX times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
Consumer complaint received 2021-09-10
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. (OH)

I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( experian, XXXX and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice. 

This one particular account I will include in this report is a whole entire fraud case from Experian! I requested Experian Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between Experian, XXXX and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one Experian alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. Experian will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way XXXX And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (NJ)

I was driving with XXXX and as part of their background check my ability to drive as a partner for XXXX  was restricted based on incorrect reporting of drivers license abstract. The company who is providing such information has not obtained written permission to provide my information. When I checked with NJDMV and legal attorneys, my record has no points and it is considered as legally eligible to drive. 

This company Checkr.com is using my information and providing it to other companies which is resulting in adverse action. I was making extra income to support my family of 6 people and now due to their incorrect reporting I have incurred loss in my income.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WI)

Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, Experian, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
Consumer complaint received 2019-11-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

2 disputes on XXXX about 2 account that were opened fraudulently and they say I still owe when I did NOT open or use those accounts. I have disputed this 3-4 times and they say I still owe and I DO NOT owe anything to these people. The dates last disputed were XXXX and they resolved the issue on their end on XX/XX/XXXX or XX/XX/XXXX. I want this off my credit report because my information was stolen and used to open these accounts.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

My son and my daughter takes full responsibility to pay there student loan, but yet the collection agency is bullying and harrassing me to paid for these loan. even those i co-sign the parent plus loan.my understaning is that if there are willing to paid, since they are adult and willing to pay.why are they not granted this opportunity to do so. Additionally i am requesting an itemize billon the loan amount for the tuition, how much has been paid and much remaining.since the XXXX XXXX when out of business i could not get a live person to speak with regarding this critical matter. Leaving me very devastated and high stress level. collections agency theathening to garnish my salary. MY XX/XX/2017 tax return was seized my navient loan company. thank you for your assistant regarding this matter.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

I have been contacted through phone and letters from this company named, Convergent Outsourcing , INC . They have been contacting me to make a payment of XXXX. This debt is not explained in the letter at all.I think this is a scam and they have my information which should be deleted from their files.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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 2021-09-02
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. (IL)

I sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.
Consumer complaint received 2021-09-19
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. (OR)

XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Consumer complaint received 2021-09-19
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. (OR)

XXXX XXXX  reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NV)

For LoanCare, the Late Payments are not correct.

My payments were less than 30 days Late. By Federal law, a late payment can not be reported to thecredit reporting bureausuntil it is at least 30 days past due. I sent them copies of enclosed proof of bank Checks, Bank Statements, and online Bill Pay. 

Payments Cleared : XX/XX/XXXX {$1100.00} LoanCare Online ; XX/XX/XXXX {$1100.00} CK # XXXX ; XX/XX/XXXX {$1100.00} Conf # XXXX ; XX/XX/XXXX {$1100.00} CK # XXXX ; XX/XX/XXXX {$1100.00} Conf # XXXX ; XX/XX/XXXX {$720.00} Conf # XXXX ; XX/XX/XXXX {$400.00} LoanCare Online ; XX/XX/XXXX {$1100.00} Conf # XXXX
Consumer complaint received 2019-11-09
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. (AL)

2 disputes on Transunion about 2 account that were opened fraudulently and they say I still owe when I did NOT open or use those accounts. I have disputed this 3-4 times and they say I still owe and I DO NOT owe anything to these people. The dates last disputed were XXXX and they resolved the issue on their end on XX/XX/XXXX or XX/XX/XXXX. I want this off my credit report because my information was stolen and used to open these accounts.
Consumer complaint received 2021-09-19
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: Experian Information Solutions Inc. (PA)

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Experian credit report immediately. 



U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-02-27
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. (CA)

I'm lost for words and don't know what else to do but file a federal law suit against Experian credit bureau. I have supplied Experian with my police report and a identity theft packet along with my notarized statement and the following 2 fraudulent accounts remain on my credit after 6 months. 

Experian Report Number XXXX 1.XXXX XXXXXXXX Account Number XXXX 2.XXXX Account Number XXXX
Consumer complaint received 2019-11-09
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)

I Check My Credit. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I checked my credit score online, and found that a hard inquiry had been made on my credit that I do not recognize. It shows no contact information on who made the inquiry, and I have never applied for a loan, mortgage, or credit card. Since I don't know where the hard inquiry came from, I have no way to contact the company who made the inquiry, and therefore am worried about attempted fraud.