davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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: Blakely-Witt and Associates, Inc. (TX)

This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Consumer complaint received 2020-09-09
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. (SC)

Two months ago, I paid off an installment loan as well as several credit cards. Both XXXX  and XXXX  increased my points by over 70 while Equifax deducted a lot of points. I have tried several times calling to speak with an Equifax representative, but have not been able to speak with a human. There is no reason why they should deduct points from my credit file, and I would like someone to investigate this matter to determine their competency level in regards to accurate credit reporting, and scoring.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I called Equifax and they stated NO fraud alert is listed on my credit file which should not be as I never requested one be added. Again the car company pulled my credit and yes it is on there. I need help. Equifax does have the alert on my credit file
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Mailed letters on XX/XX/ and XX/XX/ to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

From what I understand this is a XXXX  bill account # XXXX but I am not sure. I have asked ARS account resolution to do more than verify the debt but to validate it. They have done neither. The account continues to come back verified Its coming back verified from an old address I am assuming. I am not sure. Either way they have to validate the debt once I have asked. Which they have not. This account is being reported to XXXX XXXX AND XXXX and they are all being reported differently. Proof attached. ACCOUNT TYPE ONE SHOWS OPEN AND 2 OTHERS SHOW COLLECTIONS which is a violation.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. WHICH THE PROOF WILL SHOW THE INNACURACY. Also I have the right to privacy according to 15 U.S.C 1681 section 602 A. which states I have the right to privacy. I also know for a fact that I did not give written instructions or signed any paperwork saying that I agreed for my information to be shared with a third party. 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 They have violated my rights by continually being the only collection account on my XXXX  report which is causing damage to my character. I have tried to resolve this problem through the company, but they have chosen to ignore me.
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

With reference to CFPB Case number : XXXX, BERLIN-WHEELER continue to report this account that I am disputing to the credit bureaus. The ledger that BERLIN-WHEELER attached on the above case that I am referencing to prove that the balance still unpaid actually showed that the debt was paid and such showing a zero balance.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (AZ)

I have been putting money in a self lender installment account for the past sixteen months I wished to close my account and the amount for payout is XXXX dollars they are only allowing me to get XXXX dollars back because they say it is going towards their closed credit card I never agreed or authorized this.
Consumer complaint received 2015-10-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

A/C # XXXX SLS ( Specialized Loan Servicing Company ) Names on Loan : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tel ( XXXX ) XXXXDear Sir/MadamSLS services a XXXX loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The payment is due on XX/XX/XXXX, with 15 days grace period. I make my payments on a timely basis via US mail. I use their stationary snf envelope for address. I attach payment stub.They do not credit my account and call me and say that I have not made the payment. It is either of few things : 1 ) they lie and post the money after the grace period is expired intentionally to earn late charge. 2 ) their bookkeeping department is losy and organize or 3 ) they have deal with XXXX XXXX and want me to pay alomost {$10.00} to XXXX XXXX if I go pay-by phone, 4 ) some one in SLS bookkeeping steals checksor 5 ) some one in post office with zip code of XXXX steals mail, the chance of which is really minimal. I have to pay for fake late charges to the benefit of SLS.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions, LLC (KY) (FL)

Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited three ( 3 ) checks at the Bank of America ATM. Because the teller told me that the lines were too long inside, so I had to go use the ATM. So, I used my ATM card and tried to deposit the checks. The ATM " ate '' my checks and then just shut down. No receipt, no confirmation, no nothing. I immediately called the number on the ATM machine. The service agent who assisted me seemed to be understanding and helpful. She said that she would credit me the amount of the checks immediately while the worked on getting the checks from the ATM. Imagine my surprise when 2 months later, I get a notice from BofA saying basically, " Too bad, you lied about the checks, we couldn't find anything to support your claim, so we're taking the credit back from you. '' And so they took back my money!!! 

This is poor banking, to say nothing of customer service. Bank of America needs to take responsibility of its ATM machines and technicians. Especially if they don't want to help the customers inside the branches and are making customers go and use the ATM 's.
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Gitsit Solutions, LLC. (IL)

On XXXX XXXX, XXXX XXXX XXXX XXXX filed a foreclosure complaint ... my mortgage and note that was duly executed by the original holder of the note, ( XXXX Mortgage ) Mortgage Document No. Recorded # XXXX in the XXXX XXXX recorder of deeds. later in the case XXXX f/k/a XXXX XXXX XXXX assigned it to XXXX XXXX XXXX, XXXX without notifying me and my husband. The loan is a XXXX. loan. they did not have a face to face meeting before filing the foreclosure complaint which is in violation of Federal Regulations governing its mortgage law pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) and which are set forth in XXXX XXXX XXXX my FHA loan number is XXXX XXXX now they which/ assigned it to KONDAUR CAPITAL CORP. who says they do n't have to do/or give any modification.
Consumer complaint received 2024-02-09
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. (NJ)

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MT)

Until XX/XX/XXXX, my mortgage was serviced by XXXX. I paid my mortgage monthly through my online account. In XXXX, XXXX dissolved and I was unable to access my account online, and I didn't know to who or where it went. I did not receive any information until the end of XX/XX/XXXX. I have tried to create my online account through NewRez and Shellpoint ( it is not clear where my account currently resides ) to bring my account current. I am not able to access my account online through NewRez or Shellpoint. 

My account manager does not return my phone calls and emails, my account manager does not return the State of Montana 's phone calls and emails ( I qualified for covid mortgage assistance, and the State of MT is attempting to submit payments ), I can not access my account online to pay my monthly payment, and I am getting very concerned about how my account is being handled.
Consumer complaint received 2022-07-20
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. (CA)

Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.
Consumer complaint received 2015-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (WI)

I 've been receiving calls from ( XXXX ) XXXX trying to collect a debt that I do not owe. I 've blocked the call, but the caller keeps leaving messages. These messages are recordings urging me to call the company back.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I attempted to finance a vehicle. Prior to getting pre-approval, I had worked with a credit agency to have numerous inaccuracies corrected. That was successful. When I went to finance the vehicle, the underwriter informed me there was an alert on my credit report for Experian ONLY. The alert was for a telephone number. The process as I was told from the underwriter should be easy. It was anything but easy. After being disconnected 2 times, on hold for over 20 minutes, the representative could barely speak English and kept telling me I had to send in documents. What documents? A drivers license? Because getting verified through Experians automated system and then again with the representative wasnt enough. Experian had the same drivers license on file, along with my correct mailing address and phone number because that information is listed on their credit report from just 6 months ago. NOW theres an alert? I resent the drivers license. The alert is still on their System. Experian refuses to remove the alert and Im making no progress with these power tripping people who can barely speak English. I need help. Ive given them the document they asked for and they refused to remove the alert. I can not conduct any financial business with that alert still on there. I also spoke with a Experian supervisor who was extremely dismissive, rude and unhelpful.
Consumer complaint received 2020-09-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-10-04
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 have filed three fraud dispute with trans union and also have tried to get the company XXXX to remove this from my credit because it does not belong to me and I am having no help from any of them. I do believe this belongs to someone because they made a payment but it is not mine.
Consumer complaint received 2020-09-09
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. (NJ)

I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Not only have I requested my Credit File Annually, I have not received this report in 2 years. I am tired of the lies and games with MY credit file. This company received MORE than the XXXX items listed in their denial letter sent to me. I have proof of documents received that were sent to all XXXX of the credit reporting agencies. The documents were tracked & posted as delivered. The agencies received a copy page of a previous credit file ... a Copy of my US S.S. card, a copy of my FL state issued DL, a copy of a Utility bill, full information, name addresses 2 years and prior, and my Post office address. AND THEY ARE STILL PLAYING A GAME WITH MY CREDIT FILE. I want my copy EVERY YEAR. Not once every few years, after I take legal action every time for 6 months to receive it.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Experian verifies the debt sure the have my ss # and address that does not mean they can report an old debt