davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (NV)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date Updated : XX/XX/XXXX, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-22
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. (NV)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

MY NAME IS XXXX XXXX. REFERENCE NO. ON THE LETTER XXXX YOU HAVE CALLED ME NUMEROUS TIMES AND I HAVE TRIED TO RESOLVE THE MATTER TO NO AVAIL. AS THIS IS A COMPENSATION CASE AND I HAVE CONTACTED THE HOSPITAL AND WAS INSTRUCTED TO CONTACT MY COMPANY. 

I CURRENTLY HAVE AN OPEN CASE-THE FOLLOWING WAS PROVIDED XXXX XXXX XXXX FUND CASE # XXXX CONTACT PER SON IS XXXX  AT XXXX YOU ARE VERY UNPROFESSIONAL AND CONTINUE TO HANG UP THE PHONE. I HAVE DONE YOUR JOB AND WOULD LIKE FOR YOU TO STOP CALLING ME IMMEDIATELY AND CONTACT THE NUMBER AND THE PERSON ABOVE.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

XX/XX/2022 I reported a public record that they were not able to give proof of how they obtained the record. I have sent a document to them via mail and as well as uploading it to their website.
Consumer complaint received 2022-08-22
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. (HI)

TO TRANSUNION This letter is a formal complaint because you are continuing to violate my Consumer rights : -YOU NEVER EVER PROVIDED ME THE REQUESTED DOCUMENTATION YOU USED TO VERIFY MY DISPUTES, NOR DID YOU EVER PROVIDE ME ANY WRITTEN PROOF OF YOUR INDEPENDANT INVESTIGATION INTO MY DIPSUTES. 
-YOU NEVER EVER conducted a reasonable reinvestigation of information on my consumer 's credit report, alleged by me, the consumer, to be inaccurate. YOU ARE THEREFORE VIOLATING 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), -YOU ALWAYS RETALIATE ALL MY DISPUTES WITH AN INTENTIONAL CREDIT SCORE DROP.

-YOU MOCKINGLY SENT ME YOUR PHONY INVESTIGATION RESULTS WRITTEN IN SPANISH -YOU CONTINUE TO ONLY USE e-OSCAR- A CLEAR VIOLATION- AS MENTIONED IN CUSHMAN vs. TRANSUNION THIS IS A FINAL WARNING THAT YOU NEED TO STOP CAUSING ME DAMAGE AND FINANCIAL HARDSHIP BY IGNORING CFPB RULES FOR THE LAST 8 Months. 

XXXXXXXX XXXX XXXX Account number XXXX PLEASE REMOVE THIS ACCOUNT, because it is UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE AND ALSO THIS IS NOT A VALID CREDIT CARD NUMBER. 

XXXX XXXX Account XXXX **** PLEASE REMOVE THIS ACCOUNT, because it is UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 

I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-12-23
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. (OH)

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 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

The US Department of Education has not hired XXXX XXXX to service this federal consolidation loan orginated by the University XXXX XXXX XXXX on XX/XX/XXXX for a XXXX XXXX in the amount of {$49000.00} now reporting as {$80000.00}. This why XXXX XXXX has not supplied the federal student loan accurate payment history from XX/XX/XXXX until XX/XX/XXXX to the credit reporting agency. The credit reporting agency is not reporting month by month payment history of this federal student loan from XX/XX/XXXX until present. I have not made any payments and not requested any deferment or foreberance. The credit reporting agency and XXXX XXXX is not reporting this defaulted federal student loan month by month payment history. The CRA are required to report the complete accurate payment history month by month of the federal student loan.I wrote XXXX XXXX that I am not paying a XXXX on their federal loan terminated by the US Department of Education XXXX XXXX on XX/XX/XXXX. The Fair Credit Reporting Act, CFPB and I request the CRA to report on my online credit report the complete accurate payment history of federal student loan from XX/XX/XXXX until XX/XX/XXXX immediately. XXXX and Equifax are In violation of the Fair Credit Reporting Act and the CFPB for not reporting the complete accurate payment history of the federal student loan accoun tand must remove the account immediately. If the CRA have any problems. The CRA to address their concerns to the legal furnisher of the account the US Department of Education XXXX XXXX.
Consumer complaint received 2022-03-22
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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 2022-08-22
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. (WV)

I have been trying to get this account removed for months now. On XX/XX/2022 I sent all three bureaus another letter asking once again for their method on how they are trying to say this debt is mine. XXXX closed the complaint so I contacted the fraud department via phone and the women I spoke to specifically told me she was removing it and come to find out she disputed it again. XXXX did not respond on time the complaint number XXXX still has not responded therefore that account must be removed and I'm owed XXXX for not responding within 30 days.
Consumer complaint received 2022-03-25
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. (TX)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately. I have been trying to remove this inaccurate information for over 9 months now, please update and comply.
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Consumer complaint received 2022-03-25
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. (CA)

I have called several times to Experian as my credit score dropped by XXXX points from XXXX to XXXX since XXXX. Thinking that it may have been a temporary issue due to a mortgage taken, I decided to wait to see if it sorts itself out. XXXX and XXXX credit scores have and are over been 800 which is puzzling. 

I noticed on my credit summary that it says I have a late payment of " 1 '' but I combed through my credit report, I could not see what is causing the issue. I have not made any late payments my entire life. 

Last week I called customer services who thought it may have been an issue with IT filed a ticket for this. The ticket came back that IT could not find a technical issue. I called back member services again and looked at my credit report line by line and could not find anything wrong. I was referred to the dispute department who also could not find anything wrong and passed me back to the supervisor of member services who also said that there is no reason why my score would drop but it has dropped. My scores with XXXX and XXXX have not moved much and are over 800. 

I was advised to look for a licensed credit counselor which is puzzling because I have worked hard to keep my credit untarnished and the past several years and would unduly burden me for spending money to counsel me with my credit when I know how to take care of it.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Check was issued to IRS from escrow company, because I owed IRS at that time. {$6900.00}. I deposited remotely the check on my checking account and was considered a fraud. They closed my account, did not, wont release the funds to me, or escrow company ( check issuer ) because they want a process for IRS to do. I personally went to IRS office and they told me that what Chase is asking for is against their policies and will not sign anything. 
They give me turn around and dont help. Ive called sooo many times, walked in the branch so many times and I give up.
Consumer complaint received 2022-11-01
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. (MI)

I have requested the accuracy on the following account because it is aged past 7 years and it is not supposed to be reporting on my credit report. I consulted with a lawyer because I have been fighting this some time now, They told me that this falls under the following section inside of the FCRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I have asked this company not to report this because it is outdated past 7 years. I have even told Equifax, XXXX, and XXXX to look at it because it is outdated. It is also reporting incorrectly across all XXXX bureaus. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. The account type details is different, the reporting balances are different, the date of last payment and date of last activity is different and and both have not been touched since 2017.
Consumer complaint received 2022-11-01
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. (MI)

I have requested the accuracy on the following account because it is aged past 7 years and it is not supposed to be reporting on my credit report. I consulted with a lawyer because I have been fighting this some time now, They told me that this falls under the following section inside of the FCRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I have asked this company not to report this because it is outdated past 7 years. I have even told XXXX, XXXX, and Transunion to look at it because it is outdated. It is also reporting incorrectly across all XXXX bureaus. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. The account type details is different, the reporting balances are different, the date of last payment and date of last activity is different and and both have not been touched since 2017.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This is a formal complaint against XXXX XXXX and Collections. This collection agency has negatively reported XXXX ( XXXX ) accounts to my credit report and is unable to verify the validity or accuracy of these alleged debts. A recent lawsuit against XXXX found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. 

The CFPB alleges that XXXX lacked reasonable policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to handling of indirect disputes, which are disputes submitted by consumers to credit reporting agencies. 


Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} Reporting to : XXXX, XXXX Original Creditor : XXXX Amount : {$750.00} Reporting to : XXXX, XXXX, XXXX These particular accounts are evidence of XXXX lack of accountability. To this day, the collection agency can not share the details of the charges by providing a copy of signed lease/contract with original creditor, itemized accounting ledger of how the total alleged debt was calculated, details or photos of any alleged damage. I have no way of knowing if this debt is accurate or even belongs to me. As such, I am requesting these items be deleted from my XXXX, XXXX, and XXXX files. 
Furthermore, per Florida Statutes s. 83.49 ( 3 ), a landlord is required to notify tenants of balances owed within 30 days or forfeit the right to collect. I vacated the property XX/XX/XXXX. The first notification I received of any alleged debt was from XXXX on XX/XX/XXXX. This is far beyond the 30 days, and therefore XXXX is attempting to collect a debt unlawfully. I have included documentation to support this position. 

Additionally, I would like to make an official complaint of FCOs abusive collections practices. During the first contact on XX/XX/XXXX I was notified of the alleged debt. When I asked for clarification of the charges the agent refused any additional information. Due to the agents hostile temperament I requested to speak to a manager or another agent. The request was met with screaming and insults. This is a clear violation of FDCPA and should be handled as such.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian, XX/XX/2022. I checked my credit report on the Experian website and XXXX is reporting my account STATUS : Currently, was past due 60 days late. I haven't been late for several months. I took a screen shoot of my online credit report. Please update this account. The balance owed is incorrect as well.