davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (NY)

On XX/XX/2020 I sent Equifax a letter informing them that they are reporting inaccurate information of a account that is not mine. ( XXXX XXXX XXXX  ). I asked them to plz validate the information with XXXX and to send me any documents that will prove that it is my account. ( Plz see Ex-A ). 

On or around XXXX of XXXX I sent a 2nd letter to Equifax to solved the problem that they are reporting fraudulent inaccurate information on my credit file. ( Plz see Ex-B & Ex- ( b ) ). 

On XX/XX/2020 I sent Equifax a 3rd attempt letter demanding them to delete the unknown accounts that they are reporting also to send me the method of verification they used for the despute. ( Pls see XXXX, XXXX ( c ) and XXXX- ( b ) ). 

Too date, Equifax is still reporting the above fraudulent/inaccurate information on my credit report.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-03-24
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. (TN)

I am interested in processing disputes on my credit file with transunion that has alot of inaccurate data that needs to be removed from my credit report.please review an check the information listed to see all errors an items to be deleted asap.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Please remove inquiry from XXXXXXXX XXXX XXXX  XXXX XX/XX/year> from my Experian credit report. This was not authorized. This was after a data breach alert happened. This inquiry was made out of the blue. This inquiry needs to be removed. 
I have no accounts/loans/credit cards with this XXXX.
Consumer complaint received 2023-06-10
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. (GA)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX  XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-09
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. (MD)

First complaint was on XXXX - 2nd attempt : XXXX Nothing was provided but 1 bill statement. I do not feel that it reasonable validates this account information as being accurate. 

XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXX, UT XXXX I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, MD XXXX 15 U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1. A statement that the reinvestigation is completed, 2. A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3. A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4. A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5. A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 

I am Requesting : Please Provide everything in writing to XXXX XXXX XXXX, XXXX, MD XXXX via certified mail. 

Additional Request in writing : 1. Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2. All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (GA)

I have been repetitively contacted during work hours. i did not receive mail from debt collector as XXXX stated on XXXX. I suspect XXXX lied about my letter of verification being returned Undeliverableto get an address and has not provided appropriate notice of rights to include letter of verification. I called several times following my initial call midday on XXXX to seek proof requested of returned mail and have not been provided evidence requested. After calling XXXX to persist in request on XXXX was threatened he would turn me in for harassing him by seeking proof of returned Verification. Not knowing my rights to appeal or investigate i feel this collection agent has passed his legal right. The irony here that I am harassing him by asking for proof after persistent calls to aggressively and deviously pursue his client. 

As for the XXXX XXXX XXXX in XXXX has been unresponsive to my persistent and repetitive inquiries related to duplicate billing error i have not been provided meaningful explanation of medical bill associated prior to enlisting this aggressive collections team in NC. as I realize this facility has had persistent mismanagement of state funding as they moved to XXXX XXXX they seem determined to minimize pre existing losses by aggressively sending bills to collection without providing review of contested billing.
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
Consumer complaint received 2022-12-14
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GAXXXX Dear Consumer Center I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX  to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



XXXX XXXX
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Consumer complaint received 2023-08-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

I received a Visa gift card from Vanilla Gift Cards. It was purchased at a local XXXX in XXXX XXXX, CA. This gift card was given to me with a {$100.00} balance. 

Upon opening the gift card, I noticed the second set of 4 digits were missing. So I was unable to check the balance or activate the card on VanillaGiftXXXX, due to having an incomplete 16-digit card number to enter. The card is also missing the security code on the back. 

I attempted to contact Vanilla multiple times, online, over the phone and it's impossible to get a hold of a representative to assist me in replacing the defective card. 

My last attempt was to try to use the card in-store without activating it, usually, some cards will allow you to activate them with your first purchase. It just gave an error and didn't allow the purchase to go through. 

I confirmed with the person who gave me the gift card and they had the receipt to confirm that the {$100.00} was paid and put into the gift card.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous letters.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

By at least XX/XX/2023 I had become aware that I could log on to my TransUnion user account, but could not view my credit report nor file a dispute. In addition to being unable to view my credit report directly from TransUnion, an error also occurs when requesting my TransUnion credit report through annualcreditreport.com. I began to contact TransUnion support by phone to try to resolve this issue beginning XX/XX/2023. I called again XX/XX/2023 as well as communicated with them via live chat online. As a result of the failed efforts to troubleshoot the problem during the chat, I was told my issue was being escalated to their specialist team and that they would reach out to me either by email or phone in 3 to 5 business days. To this day, no specialist team from TransUnion has attempted to reach out to me. On XX/XX/2023, I called again and used their text message support called TransUnion messaging. The messaging conversation was not helpful and was ended prematurely by the support side when I was unable to provide my response fast enough.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 2023-07-04
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. (WI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
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 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 2023-07-04
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. (NC)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}
Consumer complaint received 2018-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (DE)

In XX/XX/XXXX I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse. 
I have been out of work since my company closed my location in XX/XX/XXXX. With declining values of real estate in my neighborhood I am asking for assistance in rebating or writing down the balance of the home equity loan since I have been paying an artificial high rate. My attempts to refinance to been declined as it is considered a cash out refinance to pay off second mortgage and declining appraisal value does not allow this. At this time I am seeking employment and looking for some assistance in order to deal with all the extra interest I have been paying since the housing recession in XXXX. I need a lower payment in order to keep the loan up to date.