davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
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: Midwest Recovery Systems (MO)

I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (KY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This serves as my follow-up complaint as a victim of identity theft. I recently lodged a complaint dated XX/XX/XXXX, disputing items in my file associated with the crime. The contested items have no relation to any authorized transactions for goods, services, or money. Kindly expunge the reporting of these items from my credit file. Enclosed is my new FTC report with reference # XXXX. The list of items to be removed is as follows : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX  ( Finance ) XXXX XXXX, 2023 XXXX XXXX  XXXX Bank ) XXXX XXXXXX/XX/XXXX2023 XXXX XXXX XXXX ( Auto ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Bank ) XXXX  XXXX 2023 2023
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

These two accounts appear on my XXXX Report and they do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/23 current balance {$2000.00} - XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/23 current balance {$2400.00} there are also two addresses on the report that do not belong to me
Consumer complaint received 2022-11-08
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I HAVE TRIED SEVERAL TIMES TO GET THE INACCURATE NON FACTUAL, 2 PREVIOUS ADRESSES ON MY FILE. THIS IS SO FRUSTRATING AND NEEDS TO BE DELETED NOW, I NEVER LIVED THERE
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

According to 15 usc 1681c-2 Experian is still reporting inaccurate information on my credit report that has been labeled as identity theft.

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I demand removal of these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the FTC, My local sherrifs department And i will persue litigation if Experian continues utes to report innaccurate information on my credit report.
Consumer complaint received 2024-01-19
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. (NM)

Sold a home, and the Title company was supposed to pay off the remaining balance of the home. At this point I believed the deal was finalized. I received no notification of late payments from XXXX XXXX and believed it was closed. It was not until I attempted to gain a car loan that I was informed of late payments and a pending foreclosure. I reached out to XXXX XXXX who emailed me the loan records and the late payments. I then made contact with the Title company who at first stated that the loan had been paid. It was not until later that I discovered that the Title company failed to pay XXXX XXXX. I finally got the Title company to pay off loan, but XXXX XXXX stated it was not their fault and they would not remove the negative damage. This is after they became aware that it was the title company that was at fault. I have attempted to dispute it through Experian who pretty much wasted a month to tell me what I already knew, the loan was paid off. My credit score went up XXXX points, but it did nothing to remove the negative report. My XXXXredit score is still not where it was. The title company is not taking responsibility. XXXX XXXX, who is aware that it is not my fault is refusing to do anything. I did nothing wrong, but I'm paying for everyone 's XXXX XXXX  The credit reporting companies won't do anything. And after a long discussion with them there is little they can do. Why they offer dispute resolution is beyond me. They can not and will not dispute a bad credit report. So don't waste your time with them.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have been trying to get this issue fix I send in a letter stating that I want to OPT out from XXXX  reporting my information without my consent. under truth in lending Act 15usc6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously discloses to the consumer in which avant never did, I also send a certified letter including a affidavit that they never reply back too. 
this is my third chance at trying to fix this issue. All they keep saying is we are right reporting correctly how? when you dont have my consent and never gave me the chance to can opt out
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I opened a JetBlue credit card through Barclays Bank. All was fine except in XX/XX/XXXX while I was out of country XXXX/XXXX charged me for a purchase that was made in XX/XX/XXXX. In XXXX I bought 4 tickets on XXXX XXXX to XXXX, trip was from XXXX XXXX XXXX This charge showed up on my account in XXXX statement which was paid in XX/XX/XXXX. The 2nd duplicate charge in XX/XX/XXXX is what XXXX/XXXX is refusing to remove from my account. I have contacted XXXX XXXX and they have confirmed in writing and in conference call with XXXX that they have not initiated this charge. 
The duplicate charge was disputed XX/XX/XXXX, I returned from my trip on XXXX, after going through my bills I had noticed the charge, I disputed it right away and XXXX assured me that they will take care of it. Around that time due to COVID -19 everything was shutdown and finally when I'm able to contact XXXX and ask about the charge they are refusing to reverse it and continue to tell me that this dispute is escalated to higher management and I keep getting letter and harassing phone calls to pay minimum due on the account. In the time, I have talked to at least 50 different relationship managers at XXXX and every single time I'm told how sorry they are that this has happened to me and they will escalate to whoever and take care of it. 
Now XXXX has sent this to collection and I have started receiving harassing phone calls from Financial Service company that XXXX contracts out to solve their collections. 
I have never been late on any of my payment and this has impacted by credit score by at least 100 points. 
I don't know at this point I'm so frustrated and don't know who to turn to resolve this matter. 
Hoping to get this matter resolved. 
XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Sincerly XXXX XXXX
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CO)

Refinanced my house with Cash Call Mortgage ( CCM ) First payment made on XX/XX/2020 Principal {$480.00} + Interest {$740.00} + Escrow {$410.00} Total {$1600.00} with additional payment of {$500.00} towards principle. Without any notification from CCM my loan was transferred and only got to know through a confirmation letter from XXXX XXXX XXXX  dated XX/XX/2020. Now the issue is that although additional payment of {$500.00} shows in CCM Payment History under Due Date XX/XX/2020. But the Total Loan Amount of {$230000.00} shows on XXXX XXXX XXXX Statement instead of {$230000.00} This issue is still not resolved by the CCM since XX/XX/XXXX. 2020.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with XXXX XXXX XXXX Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

LoanDepot does not meet their obligations and will make every attempt to steal your money. It failed to apply the Principal Reduction amount to my new loan as shown on my closing statement. It has been 15 days since the loan closed. Several of its employees have acknowledged that it should have been applied based on the documentation, don't know why it wasn't, and claim to be escalating the matter to get it resolved and they have not. I get useless responses and then handed off from one department to another.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (OH)

My card was stolen and numerous transactions were placed on my account where money in the amount over {$5000.00} was transferred to someone else. I file a dispute on XX/XX/XXXX once aware of the loss and was instructed to file dispute form and submit within 10 business days for provisional credit. On the XXXX business day I called card.com and was told I had to wait until XX/XX/XXXX for a provisional credit. On this day XX/XX/XXXX I called to see again why I had not received credit and was told my dispute was denied on XX/XX/XXXX as no error occurred but clearly a thorough investigation was not done because I did not make said transactions. When contacting where transfer were sent to I was unable to get any information because the account did not belong to me where the money was sent. I am devastated and would like help seeking my money that was stolen from me!
Consumer complaint received 2020-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (NJ)

I have a CD account with Comenity Direct. Back around XX/XX/XXXX I received an email that the CD would be maturing and to either call or use the secure mail feature on their website to confirm if in fact I did not wish to renew. I called and I also used the secure mail feature and advised the bank that I would not be renewing the CD. In turn, I received both verbally and email confirmation that they received the request and after the CD matured, they would send back the money ( {$51000.00} to my checking account which initially funded the CD.  It's now 6 days since the CD matured and the bank has still not processed the request. In turn I have spoken several times with several different customer representatives and each time I get a different story. The last story is that they are working on the ACH and the reason it's taking so long is they work on them in the order were received. I was also told initially that I could transfer the money back to my external account once the CD matured which is not true as even though online it shows my external account information, it doesn't give me the ability to do anything. Please help. Thanks for your help in this matter.
Consumer complaint received 2022-11-08
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. (NV)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 2024-01-20
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. (IN)

I contacted Experian to let them know they are reporting my student loans twice. Which make it seems as if I owe more money than I actually do. I informed them that the loans were transfered to XXXX and that XXXX is no longer my loan company. They told me that they reported to them. I informed them that they have not reported to them since last year XXXX of XXXX. Now they have updated the status as if they just reported to them this month of XX/XX/XXXX. Which is a total lie because it is closed out at XXXX.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc. (NY)

I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (OH)

Under FCRA Guidelines Southwest Credit System Violated My rights according to : 15 USC 1681 Section 602 : Right to Privacy 15 USC 1681 Section 604A Section 2 : Consumer Reporting Agencies Can not Furnish Account Info Without Written Instructions.
Consumer complaint received 2022-11-08
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.