davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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)

Some one did fraud in my name and they agreed to remove with a forgery affidavit but they claim they i did not send my claim in time. that is non sense cause it was certified mail. Can you guys please enforce them remove that fraud information from my file. It is also affecting my changes of getting credit
Consumer complaint received 2023-01-29
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)

this XXXX energy account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott & Goldman, Inc. (IN)

Law firm sent ( attached ) document to my home residence for a matter involving a company I was just a former employee of that owes them money. Listed my name and dba the company when I was only an employee. Called them directly, spoke to XXXX XXXX at XXXX. He said they will keep calling and will be suing me directly for the money owed even though I was only an employee and the only way to stop this was to 1. Get my former employer to pay them or 2. Get an attorney and sue them then they would reverse this. I told them they had no legal right to do this and he hung up on me. 

Repeated calls to my personal cell phone daily threatening legal action as well. I do not answer these but all of this is not only harassment, but knowingly and admittedly illegal as well.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.
Consumer complaint received 2023-01-29
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. (NC)

I put a dispute in XXXX with Experian about an inaccuracy I found on my credit report after I had already contacted the company. With no response or help from the company. Experian claims they did an investigation on the account, and in return the company keeps changing the date on the inaccurate account. Which is continuing to harm my credit and person well being unjustly. 
The account in question is : XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I used the XXXX application to deposit a check for XXXX into my personal checking account. When I did not receive confirmation that the check was deposited I redeposited the check. However, after researching further, I identified that I had incorrectly deposited the check the first time into my business account rather than my personal account. I realized this shortly after the deposit ( Friday afternoon ). I contacted both the originating bank ( my XXXX XXXX Checking account ) and Chase via electronic messaging. Both checks were funded by Chase on Friday afternoon. I don't know how this could have happened since the check was made out to XXXX XXXX, which I signed as XXXX XXXX, and it cleared and was funded toXXXX XXXX XXXX XXXX  ( my business account ). On Friday, the check had also been funded to my personal Chase account. I knew then that there was going to be a major problem because the originating bank didn't have XXXX to cover two XXXX checks. That's why I alerted all parties involved. Also, I did not expect that XXXX XXXX was fund the exact same check two times. The first check cleared and the second attempted withdrawal was returned as insufficient funds. On Monday, I contacted XXXX XXXX and they advised that only one check had cleared and only one had been presented for payment and that I would need to contact Chase to resolve the issue. I did so and was advised by Chase that they could cancel the check that was deposited to my business account. They cancelled the transaction. Low and behold, Tuesday morning, my personal account reflects a negative balance ( the XXXX funded had been reversed due to insufficient funds ). I spoke with both XXXX XXXX and Chase yesterday for no less than 2 hours and 5 separate Chase representatives to resolve the issue. As of the writing of this complaint, I still have not received the XXXX. My personal account is negative, the money is out of my XXXX XXXX account, and the money is no longer in my Chase business account. Each party is pointing fingers at the other while I sit here incurring bank fees, negative balances, and no access to my XXXX. I might add, I am in the process of buying a house ( which is why I transferred the XXXX from one account to the other ) and none of this is going to help with my credit. Please help!
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, my job position was eliminated. I contacted XXXX and informed them of my unexpected situation. I was given the option to apply for the XXXX XXXX program. On XX/XX/XXXX I received a notification from XXXX of the credit bureaus informing me that my credit score has dropped by XXXX XXXX When I logged into the credit bureau 's website it stated that they've received information from XXXX XXXX, " mortgage balance increased by {$6700.00} from {$250000.00} to {$260000.00}. '' I immediately call XXXX customer service and after much research and speaking to a manager I was informed that the increase was due to shortage in my escrow account. The representative informed me that he was not able to see a change in my principal balance and was not sure why the credit bureau would report that. When asked why was I not connected or informed of the shortage and given the option to bring my escrow account up to current? I was informed that if I have not maybe a letter is in the mail system. The manager then instructed me to take a screenshot of the credit bureau 's report and email XXXX XXXX customer service. On XX/XX/XXXX I received a letter stating that they didn't find any errors. Again in XX/XX/XXXX, a different credit bureau reported the same thing. I contacted XXXX XXXX with a screenshot from now 2 out of 3 bureaus showing this information. On XX/XX/XXXX I received another letter stating that there were no errors found. I was advise to make a payment towards my escrow account until the end of my forbearance period.
Consumer complaint received 2023-01-27
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. (AZ)

The company is reporting XXXX accounts for student loans twice. I called and spoke with XXXX today at XXXX XXXX. XXXX was able to identify me and got access to my account with a one-time access code XXXX before ending the call. As I spoke with the rep she placed me on hold after I mentioned that what they were doing was against the law she hung up the call to a survey in which I completed. I called immediately back and spoke with XXXX who I asked to be transferred to a supervisor. I was then transferred to XXXX ID # XXXX per the last supervisor of my calls today. XXXX refused to give me an identifier for documentation purposes. I spoke with XXXX at XXXX XXXX and he stated that I was not able to be authenticated and he could not proceed. I asked how was that possible if XXXX was just in my account before she terminated the call? He got frustrated and requested that I send in information and I refused as it was just validated. I requested to speak with his superior which happened to be his teammate that he was Instant messaging while I was on the call before the transfer. I was then transferred to XXXX ID # XXXX  ( which I believe are all fake identifiers ) who then repeated word for word what XXXX told me and tried to avoid assisting with the information I was calling about. He was in consistent contact via XXXX with XXXX unwilling to assist as I hear the typing on the call. I just like to have all the accounts removed for inaccurate reporting as by law they are to report accurately and they fail to do so. I have sent verifying information on a few occasions. As I am protected by consumer law it is my right to request this removal as they have failed to validate information nor send requested information regarding this information. I did also mention the recording of the call on my end as well for validation purposes.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

My credit score took a 67 point decrease and showed a hospital derogatory of around {$15000.00} being the cause. I called the hospital and was told that they did not report to credit agencies and there was a mistake? after days of applying for SBA assistance loans and being declined because of this showing up I went to pull my report where the derogatory was so I could send to the hospital proof that someone had posted it??? 
The derogatory with hospital in the filers name was not there?? this sounds like something crooked going on??? and it seems that all the bureaus hide behind a cost to me to fix their mistake!!! I can not contact any of them to even inquire??? 
can you help
Consumer complaint received 2023-01-30
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: GOLDMAN SACHS BANK USA (PA)

XXXX the months of XXXX XXXX XXXX XXXX XXXX  late payments reported improperly and incorrectly. 


In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-30
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2022.
Consumer complaint received 2023-01-30
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. (NY)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy. 

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my XXXX without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems 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. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried to contact TransUnion, XXXX, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by TransUnion, XXXX and XXXX. Meaning I should be getting a check for {$5000.00}.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

Enhanced Recovery Co has placed a collection account on my credit reports in the amount of {$56.00} that I do not owe them. I have never in my life heard of this company before and most definitely have never done business with them. I have never received any type of service or merchandise from this company. There is no contract containing my wet ink signature that is binding me to this company. 

Also, I never received a dunning letter from this company giving me the right to request validation of this frivolous debt. 

Oddly enough I received collection letters from XXXX other companies claiming that I owe them for the exact same frivolous debt. So how is it possible that I supposedly owe XXXX different collection companies for the same debt?
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only have one address is XXXX, FL XXXX.
Consumer complaint received 2023-01-27
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (OH)

In accordance to 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. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STARS : 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 or crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A OERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF TH PERSON KNOWS OR HAS REASONABLE CAUSE TI BELIEVE THAT INFORMATION IS INACCURATE