davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I DISPUTED INFO EQUIFAX HAS ON REPORT. SPECIFICALLY " PAID CHARGE OFF '' STATUS. THE DISPUTE WAS ANSWERED WITH " ACCOUNT CLOSED '' XXXX BAL. THEY SAID THAT ANSWERED MY DISPUTE OFF " PAID CHARGE OFF '' CLOSED IT AS UPDATED BY CREDITOR. THE " CURRENT ACCOUNT STATUS STILL SHOWS " CHARGE OFF '' WHEN I SAID SINCE THAT ANSWER THEY PROVIDED CLEARED MY DISPUTE AS TO WHY STATUS IS CHARGE OFF AND NOT " PAID CHARGE OFF '' THEY SAY THEY DIDNT SAY THAT. SO THEY CANT CHANGE IT. I SAID SO HOW WAS MY DISPUTE ANSWERED AND CLOSED. THEY TRIED TO TELL ME THAT THAT MEANS WHAT I WAS DISPUTING " XXXX BAL / ACCT CLOSED '' WHICH IT DOES NOT .... I ASKED HOW CAN IT ANSWER IT YET YOU CANT CHANGE IT BECAUSE ITS NOT SPECIFIC ... .AND TOLD TO CAL XXXX XXXX TO HAVE THEM FIX IT. 

SEVERAL TIMES DISPUTED... SAME RESULT AND IVE BEEN HUNG UP ON 3X IN A ROW WHEN THIS IS POINTED OUT.

DISPUTE SPECIFICALLY STATES " PAID CHARGE OFF " S/B IN " CURRENT ACCOUNT STATUS ''. 

WHEN YOU LOOK AT REPORT FROM EQUIFAX ... NOWHERE DOES IT INDICATE PAID CHARGE OFF... XXXX BALANCE. STILL STATUS AS AN OPEN CHARGE OFF AND CLOSED ACCOUNT. WHEN ITS A CHARGE ... ISNT THAT HOW IT SHOWS. 

CLOSED CHARGE OFF BAL = XXXX ( CHARGE OFF ) AMOUNT OFF CHARGE OFF EQUIFAX HAS CLOSED NOT ANSWERED DISPUTES ... GIVEN CREDITORS MORE THAN 30 DAYS ... AND I AM TOLD CALL CREDITOR AFTER 30 DAYS WHEN NO RESPONSE FROM THEM ... THEY CLOSE DISPUTE ... SAY " UPDATED BY CREDITOR '' NOTHING DONE BUT A DATE OR A STATUS CHGD. 

LAST PAYMENT IN XXXX. PAID AS AGREED W XXXX XXXX XXXX EQUIFAX WILL NOT CORRECT STATUS THEY TELL ME " THEY SEND DIFF REPORT TO THOSE REQUESTING IT '' THAT ONE SHOWS IT '' ASK FOR SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 3X IN A ROW ON SAT XX/XX/XXXX. 

PLEASE HELP THEY DO EVERYTHING BUT WHAT THEY SHOULD EVEN IN THE LIGHT OF BEING WRONG. 

CANT BELIEVE THEY TRIED TO TELL ME MY LAST DISPUTE OF " PAID CHARGE OFF '' S/B STATUS WAS ANSWERED CORRECTLY WITH XXXX BAL / ACCT CLOSED BY XXXX XXXX ... THEN WOULDNT HONOR DECISION OF ANSWERED. IT IS PAID CHARGE OFF AND TOLD ME TO CALL XXXX XXXX 

MANY OTHERS WITH ... DO YOU WANT THOSE TOO
Consumer complaint received 2022-12-13
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. (AR)

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, EQUIFAX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, Equifax and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, Equifax and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (LA)

showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX TX XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact Information	XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXXXXXX  XXXX XXXX XXXX  
XXXXXXXX
XXXX XXXX XXXX/XXXX XXXX  
address: not mine XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts :
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX/LA
XXXX

address: not mine XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX-
Consumer complaint received 2021-09-04
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: EQUIFAX, INC. (FL)

This is my sixth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I tried to purchase from XXXX XXXX with my Visa,  The computer would not let me do so. 
Then the following charges appeared on my Chas Card Visa {$22.00} {$29.00} {$39.00} {$51.00} {$63.00} {$87.00} {$100.00} {$110.00} {$110.00} {$61.00} {$83.00}
Consumer complaint received 2022-12-13
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. (AR)

THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, XXXX and TRANSUNION DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, XXXX and TranUnion has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, XXXX and Transunion continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Consumer complaint received 2020-07-06
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 am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.
Consumer complaint received 2020-07-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (PA)

I have disputed this account multiple times requesting documentation each time. So far all I've received is a 50 % settlement offer for an account that still remains unverified. Deville has called me during a pandemic. They have threatened to sue me. They have refused validation. They were raided by the FBI. I will not deal with a company that doesn't play by the rules. They have violated the Fair Debt Collection Practices act and The Fair Credit Reporting Act multiple times! PLEASE HELP ME, I '' M A DISTRESSED CONSUMER!
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I purchased credit monitoring services from Experian and they were " supposed '' to monitor my credit. On the day I lapsed service they unlocked my credit file and began allowing errors to post on my file intentionally and thereby affecting my score. The errors did not match my file. I received 3 emails stating my score had increased. I received 3 emails congratulating me for paying off student loans at the same time I received emails that my score had increased. 24 hours after I received these emails in XXXX I received a notice that my score decreased by 28 points for no reason. The alert was under all the improvement alerts and was out of place. I renewed my service to relock my file but they intentionally decreased my score in order to get me to apply for a " credit boost '' by revealing my bank account information and renewing my monitoring service. They scammed my profile and lowered my score for money and potential bank information. They tried to manipulate as a consumer and refused to fix the score. They even went as far as to remove the alerts once they figured out that I was going to tell the government.
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently sent letters over 45 days ago to these bureaus and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-07-06
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. (TX)

FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ftc XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-07-12
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. (VA)

In accordance with the Fair Credit Reporting act 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 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (TX)

1. Purchased a XXXX XXXX on XX/XX/XXXX. There were numerous issues getting the car delivered and I ended up having to trailer it from XXXX Texas to XXXX XXXX at my own time and expense. 
2. the inspection was not properly performed by Carvana before delivery and this held up the registration for several months. 
3. We were short a key they told us was with the car and they agreed to provide one at no cost. 
4. XXXX dealer would not provide a key without a current registration. 
5. By the time we had a valid registration ( months of delays by Carvana ), Carvana and their captive warranty company - XXXX  - refused to pay for the key. 
6. They owe me {$1200.00} as a result. 
7. They are trying to claim that the 120 day warranty that comes with any new carvana purchase had expired. THIS WAS NOT A WARRANTY ITEM!!!! THEY REPRESENTED THE CAR HAD TWO KEYS AND THEY AGREED TO PROVIDE THEM!!!!! 

Most recent '' : They are claiming they contacted us in XXXX. However, when we tried to make good on their promise with the XXXX dealer in XXXX, they said Carvana/XXXX told them it was too late. They defrauded us on the sale of the car and are now insisting we continue to make payments even though they have not upheld their end of the agreement.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine