davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-01-14
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. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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. (IL)

On XXXX I mailed a certified letter to Transunion disputing inquiries that I did not authorize. I also mailed certified letters to Transunion on XXXX disputing accounts that had inaccuracies. I included my drivers license and social security card. t has been well over 30 days and I have not as of XXXX received any correspondence for any of the letters and disputes.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

the following accounts appearing on my credit report do not belong to me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-01
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)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-08-27
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: Telerecovery Corporation (WA)

I was injured on the job in Louisiana and went to a hospital and then was placed on workers compensation through my home state of Washington state, and then I was informed via my credit report that I had a unpaid medical in Louisiana from this incident and I contacted Washington XXXX XXXX XXXX XXXX  and was informed that they had paid the bill but they wont contact the credit agency or vice Versa, And Im left standing in the middle holding the bag and being left to try to get everyone to talk but wont and it keeps impacting my credit.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, 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. (MD)

All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( Equifax ) inquiry was made on XX/XX/XXXX ( XXXX  ) 4 inquiries from XXXX card alone! 

XXXX/XXXX XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Consumer complaint received 2021-07-01
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. (TX)

I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Recovery Services, Inc. (TX)

I am in discussion with my country club about some debt. my complaint is not about that, but they sent it to collections, who put it on my credit report and then contacted my ex wife ( of XXXX years ) who was not married to me when I signed up, and is not on any contact information. There is no reason she needs to even know my personal life, let alone my debt. They gave her details, and the exact amount. They would have had to search her out, I never provided any information. We are in the middle of a custody battle and she submitted to the court that I am living an extravagant lifestyle that I can not afford to even pay for. Their illegal, bully tactics not only caused me embarrassment, but they could cost me primary custody of my XXXX children if it reflects poorly of me to the judge. 

I have attached the document that goes to the court through the court appointed app, XXXX XXXX XXXX.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

This complaint is THREE fold. 
First, they have called me, my relatives, my minor daughter, my work, etc misrepresenting themselves - cursing - threatening - making calls all hours of the day and night. 
Second I sent them a CERTIFIED LETTER RETURN RECEIPT on XX/XX/2022, when this first began which they signed for. Note - I had never received anything in writing from them beforehand as is required by law. They have FAILED to comply with my letter/rights as set forth in the Fair Debt Collection Practices Act. I even told them in this letter that XXXX XXXX, their " client '', never submitted the claim into my MEDICAID ( Maryland ) which they had at the time of services and were legally required to do. Hence, I owe them NOTHING. 
Third, my personal credit is PERFECT. And now, almost 2 months later they report this as a collection to the major credit reporting agencies. 
I am battling cancers and I don't want or need this drama. 
They need to be stopped and held accountable for their illegal actions.
Consumer complaint received 2019-08-21
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)

I tried to dispute the following accounts with reporting agencies and creditor several times without success : The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts : 1. XXXX XXXX XXXX XXXX : {$9400.00} Status : Charge Off, Date Opened : XX/XX/XXXX - 2. XXXX   XXXX XXXX  XXXX XXXX : {$590.00} 3. XXXX XXXX XXXX XXXX XXXX : {$730.00} Status : Charge-Off, Date Opened : XX/XX/XXXX 4. XXXX | XXXX : Balance : {$570.00} Status : ChargeOff, Date Opened : XX/XX/XXXX 5.  XXXX XXXX | XXXX Balance : {$580.00} Status : Charge-Off, Date Opened : XX/XX/XXXX 6. XXXX XXXX/XXXX   | XXXX Balance : {$660.00} Non of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act ( FDCPA ). The dispute service online on XXXX has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Discover Card has been reporting an account that I'm listed on as an " Authorized User '' as being CLOSED/TERMINATED yet the account is " OPEN '' and this is in error. The Primary Cardholder has on several occasions communicated with them that this is in error.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

The Chase bank sent me an invitation to apply for " Chase Slate Edge Visa Platinum '' credit card. I applied using the invitation reference number on XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from a Chase representative to verify my identity. I did that and provided every details and information that they wanted from myside. The representative told me I should wait for the other department to make a decision regarding my application. 
On XX/XX/2021, I received a letter from Chase which is dated for " XX/XX/2021 '' and ask me to call the number XXXX within 14 days to again verifying my identity! I called the number as soon as I got the letter and after more than one hour staying on the line to talk to a specialist to verify my identity, no one assigned to my call! 
This is so disappointing, they sent me the invitation and said " You Are Preselected '' then called and verified my identity then again asked me to call and after more than one hour waiting on the line, no one answered my call.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WA)

I've sent several requests to verify a debt that Americollect is trying to collect from me. I've requested specific information regarding the accounts they state are owed. In their last response to me, dated XX/XX/20, they state that they have provided a response to my request for validation of what they are reporting is in fact accurate and does belong to me. They also claim that my dispute was deemed " frivilous '' because there was not substantial change in information provided. This is an inaccurate statement, which I have attached copies of all letters sent as of today. As you can see in my letters, each one was different and requested different information based on different laws that are afforded to me as a consumer.
Consumer complaint received 2022-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

On XX/XX/XXXX I closed on a conventional home mortgage for my primary residence. The loan was transferred to Roundpoint Mortgage Servicing Corporation in XXXX, NC for servicing. 

According to my closing documents, I was eligible to request PMI removal on XX/XX/XXXX ( immediately after the first mortgage payment ). 

On XX/XX/XXXX I submitted the written request to Roundpoint to remove PMI. The assigned customer service representative contacted me later in the month and stated that I was not eligible to remove PMI because I had not completed the required " seasoning period ''. I questioned the customer service rep over the phone because this did not align with the guidance from my closing documents. I was not able to resolve the issue with Roundpoint at that time and they denied the request. 

At first I was very discouraged, because I initially believed Roundpoint 's claim that I would have to pay PMI until XX/XX/XXXX ( the automatic termination date ). However, I then began to do my own research and read the XXXX XXXX guidance for PMI removal and realized Roundpoint provided me the wrong guidance. Their instructions only applied to requests based on " current value '', but my request was based on the " original value. '' https : XXXX I wrote again in XX/XX/XXXX ( resubmitted the same written request dated XX/XX/XXXX ) and requested the assigned customer service rep review the XXXX XXXX guidance for PMI removals based on the original value. I got no response. 

In late XX/XX/XXXX, I re-submitted the same written request dated XX/XX/XXXX to the generic company email inbox, along with the language from XXXX XXXX 's guide ( Section XXXX ). The removal request was approved in early XX/XX/XXXX, but by that point I had already made two additional mortgage payments that included the PMI. 

I called Roundpoint on XX/XX/XXXX and XXXX to request they refund the XXXX and XXXX PMI payments but they refused. 

I attempted to resolve this directly with the company but was unable. 

I am concerned on behalf of myself and other consumers that Roundpoint intentionally created an adversarial process to make it difficult for customers to stop the PMI payments as soon as possible, and impossible to recoup any monies that should never have been paid in the first place. To make the situation even more difficult, I am being transferred to another mortgage servicer starting XX/XX/XXXX, so my assumption is that Roundpoint will refuse to respond to any further communications from me after this transfer occurs.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (GA)

XXXX XXXX XXXX is attempting to collect a fraudulent debt. This account was opened in my name as a result of identity theft. I have contacted the collection company and they have been exceptionally rude and threatening when I have tried to explain to them that this is a fraudulent debt. I have also notified them that the date of the debt that they are attempting to collect is more than 7 years old in  addition to the fact that the debt does not belong to me. They continue to threaten me and talk rudely and nasty on the phone. This is not my account and it is as a result of fraud, and it is beyond the statue of limitations for them to even try to collect if it was not a fraudulent debt, but it is INDEED Fraudulent
Consumer complaint received 2022-11-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

PDQ Service Inc. has requested an amount I dont owe. I have provided documentation from XXXX XXXX. Courthouse showing the debt owed and refused by XXXX XXXX. PDQ Service Inc. still demands and reports the incorrect amount. Considering that this is an landlord debt, this is hindering me from moving. I have trying to resolve this for the duration of the last few years it has shown up on my credit report.
Consumer complaint received 2020-06-03
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$150.00} XXXX {$110000.00} XXXX {$470.00}
Consumer complaint received 2019-09-27
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. (IL)

On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-07-01
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)

Experian, XXXX and XXXX has not ceased in their action to report factual information on my credit report. 
Experian, XXXX and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With Experian XXXX and XXXX These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Experian XXXX and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I have been contacting XXXX, XXXX and Experian about credit inquiries to delete them they were done without my knowledge and say so i asked to provide proof as well as my wet Signature and all and still there are some on my consumer report. Please help my XXXX this is having an affect on my life and ability to obtain anything credit wise.
Consumer complaint received 2021-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Have been trying to contact and have had inquiries that I didn't recognize or apply for are on my credit report from Capital One Sale And and XXXX XXXX XXXX and It has held me back from getting a home. I never Authorized or told someone from this company to pull my credit score and they did and when I try to contact them no one got back to me and the people on the phone didn't even know what I was talking about.
Consumer complaint received 2018-02-15
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. (CA)

I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away.

I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.