davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX 2015 I visited a XXXX to be treated for an illness. My health insurance was billed, and they covered the visit ( I only paid a copay ). In XXXX 2015, I visited the same XXXX location to treat a XXXX XXXX with the belief that they accepted my insurance because they had accepted the same policy in XXXX of the same year. Sometime after my visit, I received a bill for {$250.00} in the mail for the 5 minute office visit to XXXX. I did n't understand why I was covered in XXXX, but not in XXXX. I called my healthcare provider, and they told me that in XXXX that had made a mistake, that XXXX was out of my network, but they caught it in XXXX, so they billed me in full for the visit. I believe that this was very misleading on their part -- since they covered my XXXX visit, it led me to believe XXXX was in-network. I contested this claim to my healthcare provider through their internal review system to no avail. I then submitted my objection to my state 's insurance review board, but I never got a response from them on the matter. I then contacted XXXX and went through their internal review process in an attempt to get the bill reduced as it seemed an exorbitant amount to pay for a 5 minute office visit, but they too denied my dispute. While going through this process to fight what I thought was an unfair ruling by my healthcare provider and XXXX, my {$250.00} bill went into collection. I have since paid off the {$250.00} bill from collection in full ; however, after obtaining a credit report, it has come to my attention that, since the medical bill went into collection, it is negatively affecting my credit score by up to XXXX points. I believe this is patently unfair. I have spent years since I graduated college to build up my credit score in order to buy a car, save for a home, etc., only for my credit score to be adversely impacted by, what I believe, was my healthcare providers initial mistake of misleading me into thinking my insurance was accepted at a healthcare provider due to their previously covering my visit to the same location. I would like to see this medical bill removed from my credit history in order to restore the good credit I had been building up over years.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC (TX)

As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (MI)

This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances. 

If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life. 

I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.
Consumer complaint received 2016-10-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (IN)

I have been battling with Wells Fargo for years, most recently within the last couple of months. I have been submitting any documentations that I can send to them because my ex-boyfriend took out this loan in my name. This is a fraudulent account. I even have proof that Wells Fargo closed this account on my Credit Reports and then they keep changing the balance. I do not agree with this. They are not organized. The person who most recently handled this case, XXXX. I was informed for over a month that she was a part of the Fraud department. Then she changed it today that she is part of the Recovery department. I do not know what to believe. I communicated within a timely manner, for each of their requests. They would always take a very long time to respond, without showing any proof, hard copies, of where this account came from. I do not want to be responsible for an account that does not belong to me. I want them to clear this balance again, to {$0.00}, which I have proof is showing and has shown on my credit reports.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-08
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. (FL)

I have requested the appropriate investigation of the accounts that do not correspond to me and the company has not solved this problem for me. I sent a certified letter and requested the elimination of the accounts mentioned below. 
Bank XXXX XXXX does not have an account number. I need you to eliminate this account from my credit report. 
I do not have an account, I never had an account with XXXX. This account appears to me with a zero balance but this account does not correspond to me. I request the immediate elimination of these accounts. I demand the certification signed in its entirety by me that proves that I had an account with the banks mentioned below. 
Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts do not correspond to me and I demand their immediate elimination. The credit bureau companies must send a certification signed by these banks that I have an account with them. This does not exist. Because I have not had an account with them. I demand under the consumer protection law that you eliminate this from my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EQUIFAX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$13.00}
Consumer complaint received 2024-10-08
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. (VA)

I am writing to follow up on the negative items that are still appearing on my record, despite having raised this issue with you some time ago. It is concerning that these inaccurate items have not yet been addressed or removed. 

I kindly request that you take immediate action to remove these inaccuracies. If this matter is not resolved promptly, I XXXX be forced to consider further action, including legal remedies.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX # XXXX, Account name XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX  # XXXX, Account name XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name 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 furnishan account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimeswhich antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CO)

For several years now, I have been working to pay off an American Express card, which I only got because it was the only card to use at XXXX. When I tried to make arrangements, AMEX called in a collection agency, XXXX and XXXX, which took it to court. Eventually we worked out things and the bill was paid, however, I had to agree not to apply for an AMEX card again, which was OK with me. Now for the second time in just a few months, American Express has specifically targeted me to apply for an AMEX card, which would violate my agreement through XXXX. I find this harassment.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX/XXXX/2017 charges were declined on my Capital One Venture card. XXXX/XXXX/2017 contacted Capital one and was told that the account was closed but had no explanation other than to say the card holder agreement allowed them to do this for business reasons. They stated that I should receive a notice in the mail soon. As of today, XXXX, I have not yet received this notice. What I did receive today is a notice from Kohl 's indicating that my Kohl 's credit card account was being closed. It just so happens that my Kohl 's card is issued by Capital One. This notice states ... '' The reason ( s ) for our decision is as follows. We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' We only use this card for personal, family, and household purposes so I have no idea what they are suggesting. They have never notified me of any issues in the past. We always pay our bill on time and in full. Capital One 's own credit reporting indicates a XXXX credit score.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian ... this agency had 2 extra social security numbers that were not mine. They had my birth year wrong.they had 12 different/incorrect spellings of my name and many derrogatories that did not belong to me. They have my address associated as a business Ive never heard of. 
I placed a fraud alert to my file and began disputing the above. To my knowledge the above mentioned has been corrected. 
My complaint today is that in the dispute processes, Experian deleted ALL of my positive reporting histories. XXXX XXXX loans on my high credit truck note pd off XX/XX/2014, and XXXX positive reportings from XXXX. They literally wiped out all of my credit and I dont even rate a score. 
The bank that originally reported no longer reports to Experian. 
I think, in all fairness to me ... because they deleted these accounts unwarranted, that they should put them back on. My score is XXXX because of these deletions, I cant even quqlify for a credit card to build credit..I was even turned down a secured credit card. I have tried to handle this through Experian but they refuse to repair this mistake solely made by them for me to suffer. 
Im sending pictures of the accounts deleted ... and a letter with copy of my high credit reportings from the bank which they only report to XXXX now..so they say.
Consumer complaint received 2024-10-08
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-08
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. (TX)

I am bringing to your attention the continued verification of inaccurate information on my credit report. Attached are letters that clearly show the reported data is incorrect. Despite receiving this evidence, your agency has not taken the necessary steps to correct or remove the inaccurate information, and it is still being reported as accurate. 

This failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information.
Consumer complaint received 2024-10-08
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. (VA)

THIS IS NOT A DUPLICATE REQUEST This complaint has been ongoing for over 2 years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX XXXX XXXX I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX This account was included in my XXXXXXXX XXXX XXXX and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and Im moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX loan tradeline from all credit reporting agencies within XXXX  days from the date of this dispute
Consumer complaint received 2024-10-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
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. (CA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

Equifax is reporting false information to my credit report address I never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: QC HOLDINGS INC (MO)

Lender called my references and disclosed the fact I had a loan with their company. I had been unable to return calls to XXXX -QC FINANCIAL SERVICES due to my work schedule. Tried to call before and after my scheduled times, and they have no recorder. They called all my references and left a message they were looking for me.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I received XXXX hard inquiries on my credit report ( Eqiufax ) dated XX/XX/XXXX & XX/XX/XXXX. I disputed these inquiries with Equifax and they were not removed. I have received letters from XXXX/XXXX stating they have sent in requests for these inquiries to be removed as I did not authorize these. Equifax has yet t remove these inquiries from my report.