davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARS National Services, Inc. (AK)

I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX  balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.
Consumer complaint received 2022-04-23
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. (CA)

Last year I discovered a false accounts with XXXX of XXXX XXXX, and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates bought my debt from XXXX XXXX in XXXX. The total balance owed to XXXX XXXX was XXXX as of XX/XX/XXXX. That was quoted to me by email from XXXX XXXX. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay XXXX XXXX after XX/XX/XXXX. I only owed XXXX XXXX {$560.00} when I stopped paying them. PRA is now attempting to collect {$2200.00} from me. I contacted PRA and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-04-23
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. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX  XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-10-04
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: WELLS FARGO & COMPANY (WA)

On the last XX/XX/2021 I was charged for {$500.00} from XXXX for a rental car. I called the bank because I didn't rent any car, I live in XXXX wa and the purchase was made in Fl. So the open a claim and they made the refund of my money and they provided a new card, but the next month they debited the same amount and they said it seems like I made the purchase, I called to XXXX and they told me they received a request for a rental car but it was canceled and nobody rented any car under my name and it wasn't charged anything from them. I called the bank again and I open a new claim for the same reason and they still responding that I did that purchase.
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Im victim of identity theft, and somebody opened multiple credit cards accounts and used under my name, after finding out problem, I got police report and FTC report, and notify to all credit bureau, they removed all negative items, buy only Experian didnt remove XXXX XXXX account starts with XXXX
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delivery Financial Services, LLC (FL)

This company ( Delivery Financial Services , LLC ) has been falsely reporting a debt that I do not own. This alleged debt is not mine and has never been verified as mine. They have also been harassing me, family members, friends, co-workers, and my employer. They have disclosed personal information ( my social security number, finances and miscellaneous info. ) to 3rd parties without my authorization. They have violated multiple Fair Credit Act laws and also XXXX Other prohibited practices. This company is nothing but harassment and law breakers for profit. I will list all of the violations they have committed and are continuing to violate. 

XXXX Other prohibited practices Fair Credit Act Violations 804 Acquisition of location information 805 Communication in connection with debt collection 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts 812 Furnishing certain deceptive forms
Consumer complaint received 2022-04-23
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. (OH)

I DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # XXXX ...... 
XXXX XXXX XXXX XXXX  XXXX ....
Consumer complaint received 2022-04-23
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. (OH)

I DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX  XXXX # XXXX ..... 
XXXX XXXX # XXXX .... 
XXXX # XXXX .... 
XXXX XXXX # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # XXXX ...... 
XXXX XXXX XXXX # XXXX ....
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I filed bankruptcy XX/XX/XXXX XXXX XXXX XXXX. Included XXXX XXXX the account was remove on XX/XX/XXXX from Equifax credit report. On XX/XX/XXXX the account was placed back on my credit report with deferent information which was wrong. I disputed it and they changed information again. I contacted the original creditor XXXX XXXX they researched and said they remove, but updated to more wrong information and this is killing my credit report and score please HELP!
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (AZ)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-04-23
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. (SC)

On XXXX XXXX I submitted a dispute to all 3 credit bureaus XXXX, XXXX, Experian in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2021-10-04
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. (NC)

I have notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}
Consumer complaint received 2022-04-23
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. (TX)

i submitted dispute to all ( 3 ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX TransUnion - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

XXXX - still not resolved the same investigation that I filed CFBP XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for TransUnion & XXXX to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX was an XXXX  at XXXX XXXX XXXX XXXX XXXX. He worked in the XXXX XXXX XXXX from XXXX to XXXX ... ..XXXX was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.
Consumer complaint received 2022-04-23
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. (MI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # 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 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

I am writing to you regarding the security deposit in the amount of {$2900.00} that was paid for the lease, signed on XX/XX/2019. Several months after terminating my lease, I received a collection claim from National Credit System. National Credit system has not provided me with an itemized breakdown of the outstanding claim. This was surprising, given that that a representative from the management office at my prior residency recently indicated to me that a claim was filed and paid with an insurance provider " XXXX. '' Furthermore, this representative indicated to me that there should not have been any effect on my credit as no collection were filed against my account. The debt collector has refused to remove this item despite my submission of numerous documents objecting to the balance. The outstanding balance on the account is ~ {$1300.00} and per my recollection, a {$3000.00} deposit was paid, which should have offset my outstanding balance. Unfortunately, the management office of my prior landlord has misplaced my security deposit. XXXX has, instead, sent me a copy of a surety bond that appears to not be in my name.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete the account
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-23
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 2022-04-23
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. (SC)

On XXXX XXXX I submitted a dispute to all 3 credit bureaus XXXX, Transunion, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-04-23
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. (PA)

On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the XXXX XXXX XXXX who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

It's been a month since I've tried to correct my social security number and they've only sent me from one office to another I've sent them documentation twice and the first time they lost it I sent it back to them and they give me different answers it seems like they didn't know how to do it
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-04-23
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. (PA)

On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the XXXX XXXX XXXX who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to notify you urgently that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. Immediate attention is required to rectify these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the prompt removal of the fraudulent items from my report to ensure its accuracy .