davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b  ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bessine Walterbach, LLP (KS)

I have a lawsuit filed against me by the law firm XXXX XXXX WALTERBACH XXXX XXXX XXXX XXXX XXXX XXXX. The law firms website states that they are a debt collector and I never received any notification from this law firm prior to them filing a lawsuit. This is in violation of law since I was not given a chance to dispute or have the debt varified.
Consumer complaint received 2020-10-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (PA)

We have been stressing to XXXX  XXXX our inability to afford this for over 2 years now. For over two years they have been uncooperative and ruined us financially and credit wise. We entered an agreement with them, but we had no clue what we were actually getting involved with. They purposefully withheld information from us during the presentation and the truths they did tell were watered down. Instead of doing their best to make amends with us and acknowledge our inability to make payments towards the XXXX, they sent us to collection agency ( Aspen Collections ). We are being harassed not by one, but two companies. We sent a cease and desist to Aspen to let them know we had no interest in communicating with them and to send our account back to XXXX XXXX so we could handle the cancellation of agreement, and they continued contacting us despite the cease and desist we sent. Aspen has attacked our credit, but we never agreed to work with them. Not only are they attacking our credit, but the balance is increasing with them! How can a balance increase with a company weve never worked with or signed an agreement with? Why would we discuss our account with Aspen Collections when they are unable to assist us with the dilemma were facing? Aspen is complicit in collecting funds from us to go towards a company that manipulates their members into agreements.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2020-08-30
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. (NH)

On XX/XX/XXXX, I XXXX XXXX XXXX, Discovered on my Equifax account /report that they have an address of XXXX XXXX  XXXX XXXX With the year XXXX. This is listed under contact information. Under disputes theres no way for me to even dispute it and it doesnt allow me too via online. I shouldnt have to make any phone calls or send anything through the mail. I have an online account for a reason. Attached is a screen shot showing this on equifax. XXXX XXXX  XXXX XXXX went into foreclosure in XXXX. On the website XXXX theres public information in regards to the purchasing/deed in XX/XX/XXXX and the foreclosure in XXXX. Screen shots of that is attached to this complaint. I want to know exactly where they got the year XXXX, if public records prove the years XXXX and XXXX. Who told you or provided the documents and where are you getting XXXX from? If its on another consumer report such as XXXX XXXX that equifax owns, thats a major problem considering they are supposed to be pulling from public records by law
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number ending in # XXXX, has violated my rights. 

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
Consumer complaint received 2023-01-19
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: Resurgent Capital Services L.P. (AR)

I made previous complaints to LVNV Funding LLC to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my Consumer reports immediately.
Consumer complaint received 2020-11-29
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. (NY)

My Equifax account mixes another person 's name and DoB under my social security. That person has a delinquent account and some addresses that don't below to me. I have submitted two disputes, the first one asking them to correct the name and DoB, and remove the false addresses. The result said the addresses were removed, but they weren't, and it didn't mention correcting the name. 

I submitted a second dispute asking ( again ) to correct my name and DoB, and remove the account that does not belong to me. Equifax simply ignored the ask to correct my name and DoB, and used the wrong name and DoB and issued a false report saying that the account does belong to me. There is no mentioning of correcting the name in the report again. 

I do not understand how Equifax is able to put some accounts under my name and DoB and my SSN, and one under a different name and DoB, ALL under my account, and ignore my request of correcting the personal info TWICE. I think it makes sense that neither XXXX or XXXX uses it. 

Additionally, Equifax let me see the account history of that account which does not belong to me. It clearly violates that person 's privacy rights and is a violation of data security practice.
Consumer complaint received 2020-08-30
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 sent sent a dispute to Experian certified mail on XX/XX/XXXX advising that there were incorrect things reportinng on my credit. I sent the letters certified mail and I do have receipt it was delivered XX/XX/XXXX. 45 days later I called they told me they never reviewed my dispute but I have proof it was delivered. I sent another letter that was delivered XX/XX/XXXX certified mail. It has now been over 60 days since my initial letter. I have a fraud alert placed with Experian. The incorrect collections and charge offs still have not been removed. I can sue for {$1000.00} per incorrect item they are reporting. I have followed up with the creditor and both Experian, these items are not showing up on XXXX  and XXXX, only Experian. 

The items are as follows XXXX XXXX  {$120.00} XXXX XXXX  {$250.00} XXXX XXXX {$1400.00} XXXX XXXX {$5600.00} XXXX  XXXX {$1400.00} XXXX XXXX {$13000.00} US DEPT OF ED {$7300.00} XXXX  XXXX  {$1900.00}
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (GA)

had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX**Balance : {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX*Balance : {$0.00}
Consumer complaint received 2020-12-09
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: CCS Financial Services, Inc. (CO)

I have a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to XXXX  that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This XXXX  and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by Credit Collection Services, https : //www.ccsusa.com/ and is being reported by XXXX. I have disputed the entry with XXXX  unsuccessfully.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021 I applied for an Hilton Honors American Express credit card ( reference number XXXX ). I completed the application in its entirety, and I honestly answered each question, including the income disclosure question. 

The income disclosure question states that if the applicant is over the age of 21, he should include all income accessible to him. To be certain I included the right number, I contacted American Express New Accounts and asked a representative what this means. I was told it is money that is typically deposited into a joint bank account or spousal income if it is used to pay expenses. As such, I stated my income to be {$120000.00} per year. 

A week after completing the application, I received a letter from American Express stating that in order to complete the processing of my application, my income needed to be verified. To this end, I was asked to sign and return the enclosed IRS Form 4506-C. A day after receiving this letter, I submitted the signed form. In addition, I submitted bank statements to confirm that my husbands income and mine combine to equal the amount I stated on the application. 

When I contacted American Express to inquire on the status of my application, I was told it was denied because the income I stated on the application was not consistent with what was revealed on my IRS transcript. 

I am perplexed as to why my application would be denied simply because I followed American Expresss own directions when disclosing my income.
Consumer complaint received 2017-12-11
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. (AZ)

Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ 2,500- {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the BK dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
Consumer complaint received 2020-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (OH)

I became the POA for all medical and financial matters due to my XXXXyear old mother 's XXXX  XXXX XXXX diagnosis. 

My mother has a checking account, credit cards, and a HELOC with Key Bank. In XXXX, I brought my POA paperwork to her Key Branch and was told that their Legal department would review the documentation. I was only given access to her checking account. 

Nevertheless, when I sold her home in XXXX and sent the payoff and POA documents, with the request to close the HELOC documentation, I was never informed the HELOC was not closed. My mother and sister went to a branch near her XXXX XXXX XXXX and was told the HELOC was not closed and that they needed to pay an additional fee to close the HELOC. In XXXX, she signed the documents presented at the branch and paid the fee. We have never received the documents indicating the HELOC is closed. 

When she applied for a credit card she was denied due to an open HELOC last week. That is how we found out Key Bank has still not completed this required step. 

Now she is being charged a service fee on her checking account that she has never had to pay. Why is Key Bank treating elderly customer this way?
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents 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 2017-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC (TN)

On XXXX XXXX i sent XXXX report on debt collection from AB Recvy Services. I sent them a copy of the fake lease agreement the company sent. It did n't have no initials, no names, and no signatures. Some of information were incorrect where you can see on the paperwork. Photocopied signature of mines that they copied from some where and paste. No original anything. 

Collection : Absolute Recovery Services Balance : {$2800.00}