davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
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. (MS)

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , 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 2023-08-13
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. (MS)

On several attempts I have tried to get information remove based on the facts that my right s have been violated.15 U.S.C . 1681 sec 602 a under the fair credit act and also 15 U.S.C. 1681 sec 604 a can not make any of the following information or adverse other than records of convictions of crimes that dates more than 7 years. None of this information was done without my consent. The information I have attached shows that the 3 credit buenas have done this serveral times. First it was said that the information was verfied and the source that they got it from XXXX has said that the information is not verfied and I have sent each agency a letter from XXXX showing that. I sented it to each agency with that information also in the attachments. What is being done is wrong and I would greatly appreciated if this problem be resolved. I have all the information in the attachment to prove my case.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IL)

According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that you hold about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with XXXX XXXX XXXX. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with XXXX XXXX XXXX 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with XXXX XXXX XXXX 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted an EIGTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted my TENTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

As of XX/XX/2023, after ten ( 10 ) requests, LexisNexis has refused to provide me with the requested report and XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MI)

I have forwarded receipts ( 2x mail, email ) to ProCollect showing my balance is XXXX. I also informed them to remove this collection from my credit reports and to restore my score back whole. I spoke to ProCollect several times and received the same answer We didnt receive your information, send it again. ProCollect staff are rude, unprofessional and aggressive people. Am trying to provide information to them so this matter can get taken care, remove this issue from my credit reports and restore my credit score. The paperwork is from the management who filed the dispute with ProCollect. I also inform ProCollect to contact the XXXX XXXX XXXX to resolve this issue and they refuse.
Consumer complaint received 2023-08-12
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. (PA)

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 the 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 4-5 months.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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.

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 2023-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

I have also checked my credit report and I do not see any record of this debt being reported to any of the credit bureaus. 

I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

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 2023-08-12
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. (MA)

A lender has declined a loan application on the basis of an Experian report and " reasons '' provided by Experian ( letter attached ). 

A number of these reasons appear to be incorrect. 

In multiple interactions, Experian has refused to define the reasons they provided with their report, or explain how the status of my account ( s ) meet relevant thresholds for those reasons. 

( e.g. Experian has refused to explain on what time duration they calculate credit utilization - monthly, quarterly, etc. They have likewise refused to define what constitutes the " high '' utilization they flagged on my report. It seems dubious that my current 1 % utilization meets any reasonable definition of a 'high ' ratio ).
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

This company has called me today the day before and many other days which I have logged in my phone book from 3 different numbers after I told them if they fail to explain who they are and what they are calling for then I do not want them contacting me and told them to take me off the call list and blocked 2 numbers and they call from different numbers. They have poor attitudes hang up in your face call right back and have smart tones and act like you don't know the law. I once told them if they keep harassing me I would report them that it'd illegal if i verbally told them to stop contacting me until I contact them back and she laughed and hung up in face and called again 20 minutes later.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

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 I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX  XXXX  and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX  sent CCS a collection for a debt that was less than 30 days old The debt was paid and I was assuming I was paying to like a billing agency I didn't realize it was a collection agency I was paying I spoke to XXXX  they said I owed them money told them to send me something in writing that I could return the payment with they did that apparently that was from CCS which I thought was a billing service I didn't read it and realize that it was a credit reporting agency already paid the debt never heard another word about it all these months ago this was in XXXX haven't heard anything not one iota of word from anybody then I'm going to buy a house and all the sudden now it's showing over my credit report as an unpaid debt and it should have never been there to begin with
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had my Bank of America debit card information skimmed and I filed for fraud with my bank on XX/XX/2018. They gave me temporary credit of {$1200.00} while the claim was being investigated on XX/XX/2018. They later contacted me on XX/XX/2018 to tell me the accredited amount had been adjusted to {$11000.00} because some of the purchase were valid, which is true because I mistakenly add those purchase and before this called Bank of America to notify them which the operator barely acknowledge my concern about mistakenly adding them so I am unsure if they even received that information. On XX/XX/2018 they contacted me for the last time saying that the claim has been resolved and that they are unable to pay and took the money back on XX/XX/2018. I did not have enough money to pay them back and now they are attempting to collect a debt that I do not owe because I was never liable for those purchases.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : XXXX Account Number : 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 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.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and my family.
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (CO)

While visiting in Colorado, I suffered an injury to my XXXX which required XXXX and XXXX. I have insurance ( XXXX through XXXX XXXX ) through the state of New Mexico which covers me out-of-state IF I am treated at an urgent care center, emergency room, or hospital. 

I do not understand why XXXX XXXX continues to have unpaid bills for me. I am not even sure where it is just doctors, or the hospital itself, or who they say I still owe. I have heard several different amounts being reported. There was a form that needed/needs to be signed and this was given to them. 

This has now been made more difficult because they have turned me over to a collection agency. I got repeated phone calls from the hospital and now from PFC USA ( Professional Finance Company, PFC USA, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CO, XXXX ). I have talked with my insurance company. They are trying to help, but nothing is being resolved. I have explained to everyone I HAVE INSURANCE, but of course, they just want the bill paid. I have always been very diligent about my bills, my accounts, etc. and have maintained an excellent credit standing before college, through college, and now after. I was very disheartened to learn of a XXXX point drop in my credit score. 

Please help me.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

Lexis Nexis stated they obtained my bankruptcy from the U.S Bankruptcy court which is not true the bankruptcy court does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party which they used pacer.gov illegally to obtain my Public record then they furnished my information to the three credit bureau XXXX, XXXX, XXXX. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. 

This is affecting me and adding emotional stress to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express closed my 2 savings accounts that I had <30 days ( without ANY incidents ). I received an email requesting me to complete a form and submit a copy of my Social Security card and both my accounts will be restricted until I called them. I complied. When I spoke to the " back office/Fraud Dept '', I was told I had to verify ownership of my linked bank account. While in the middle of the three-way call with the bank, I was disconnected from call. I tried calling back for well over an hour with customer service unable to connect me back with someone from the back office/Fraud Dept. When I finally did speak to someone from that department, I was informed that they reviewed my account and decided to close both my savings accounts. When I asked how I'd receive my remaining funds in my accounts? I was told the ONLY way I could receive those funds is by having the original bank ( where the money came from ) transferred back and then THEY would give me the funds back. I stated that account was now closed, and I didnt want the money to go back to that bank regardless and I wanted remaining funds to go to my linked bank ( with verified ownership from earlier ) but I was told no and told it was a banking law. Bottom line, the only way to get MY money back was by going through orig ( closed ) bank where funds orig came from and not by american express where money was deposited ( prior to closure ).
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act 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 : also states a consumer reporting agency can not furnish a account without my written instructions.