davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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: S&S Physician Services, Inc. (TX)

I have reached out to XXXX regarding erroneous, and unvalidated information from XXXX collection agencies, XXXX of which has since stop reporting on it's own after I asked the company to validate the alleged debt. 
The XXXX remaining collection agencies are Harvest Associates and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given Harvest Associates nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. 
( 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 instructions of the consumer to whom it relates. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts. 
15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-01-17
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: Specialized Collection Systems, Inc. (TX)

I have reached out to XXXX regarding erroneous, and unvalidated information from 3 collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt.

The two remaining collection agencies are XXXX XXXX and Specialized Collocation Systems have yet to validate their alleged accounts. I have never given XXXX Associates nor Specialized Collection Systems permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report.

( 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 instructions of the consumer to whom it relates. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts.

15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-01-17
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. (NJ)

The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX )
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$500.00} USDEPED  XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (AZ)

I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However your agency has failed to investigate & obtain due to your lack of response, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

My wife, XXXX, found out some information that her father, XXXX XXXX XXXX, apparently had purchased some CD 's in trust for her and three siblings. From what she found out they were now being held by PNC Bank. In trying to talk with PNC local branch, she is apparently being blown off. Thanks
Consumer complaint received 2022-01-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (OH)

XX/XX/17 sometime around then I purchased a XXXX, long story short I fell short on my payments and they repo it, now that time I owed like XXXX some where around there. So they sold the car at a action for about XXXX XXXX and saying I owe XXXX like I ask to see how much they sold it for because they reporting this and I told them its not right and I need proof what they sold a car Im paying for!
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2020-07-07
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. (CA)

I have been trying to get rid of fraudulent accounts since XX/XX/2020 Equifax and XXXX  seem to not be able to report accurate information XXXX XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) Equifax XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from XXXX
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current (NY)

Current.com was to send me and my child a credit card. The card never arrived. The company never answered emails/call/texts to address the missing card issue. The company has not addressed securing my Personal Information and Sensitive Data being collected. Current.com. Current App.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2020-07-08
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid off a car loan 4 years and they never sent a release of Lien letter to XXXX nor to me. After filing my complaint with the XXXX, XXXX XXXX the CEO of the credit union pulled my credit and caused my score to drop 23 points. I didn't authorize them to do so. It was done in an act of retaliation. There was no reason for them to do so. I have been working with a credit repair company an I explained that to Mr. XXXX. On or around XX/XX/XXXX, I checked my credit report and found that XXXX XXXX XXXX XXXX had pulled my credit report without authorization from me to do so. I didn't apply for any type of loan. Therefore they had no right to pull my credit.
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX i sent ceryified letters to all three credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent three more certified letters to all three credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

My loan was sold or a change is service took place during the first half of XXXX to XXXX NMSL # XXXX ( aka LoanCare NMLS # XXXX ). I paid my loan payments regularly as a scheduled payment from my bank. After the transition happened, I noticed some payments were missing. I have called Customer Care and eventually got transferred to payment research group via email. Their initial response to my request on XX/XX/XXXX basically did nothing and asked for proof of payment. I got proof of payment ( attached along with payment application schedule ) and submitted again on XX/XX/XXXX with a follow up on XX/XX/XXXX. There have been no response or any resolution though they tout 2 day turnaround on these requests. 

I am missing 2 payments of {$1500.00} each from XXXX and XX/XX/XXXX. I have done an analysis from the data listed on their website of my payments and application of payments over a year where I point out the missing payments on the attached Excel file. At this stage, I have contacted them multiple times via phone for resolution and through the payment research email support channel. I have no confidence in their interest or efforts in resolving these issue and would appreciate any help.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 2020-07-08
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 first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$950.00}
Consumer complaint received 2022-01-17
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. (PA)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2022-01-17
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. (PA)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (FL)

can you send copies front and back of check # XXXX for {$5000.00} XX/XX/2018 send proof that you paid the taxes in XX/XX/2018 for my property
Consumer complaint received 2022-01-17
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-17
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-17
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. (IL)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2020-04-03
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. (CA)

NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO EQUIFAX AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2020-04-03
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: Convergent Resources, Inc. (IL)

XX/XX/2020 I mailed a request to XXXX and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

Convergent {$350.00} reporting from XXXX and XXXX Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX Merchants Credit {$150.00}.