davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My records associated with the account XXXX XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX but I did not receive what I asked and these violations persist on my credit report. I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2019-01-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I made a request for the credit bureaus to investigate errors on my credit report back on XX/XX/XXXX. As of today, they have not responded yet.
Consumer complaint received 2024-09-06
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. (AL)

After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for XXXX none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
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. (VA)

I noticed recently while reviewing my credit report that I've been a victim of identity theft and found multiple credit inquiries that I don't have any knowledge of. The inquiries that I found are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX Please remove these fraudulent inquiries from my credit report. I am attaching a copy of my identity theft report to this complaint.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

To Whom It May Concern, The reason for my dispute is I C System XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally express my concern regarding the disputed accounts that continue to appear inaccurately on my credit report. On multiple occasions, I have raised these issues and requested thorough investigations into these inaccuracies. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are having a severe negative impact on my credit file, which has caused significant hardships in my ability to maintain financial stability. The continued presence of these inaccuracies is unjustly hindering my financial well-being and disrupting my daily life. 

I am therefore requesting a full and immediate investigation into each of the disputed accounts listed in my credit report. It is critical that all necessary steps be taken to correct and update my credit report without further delay. I trust that with your assistance, I will be able to restore the accuracy and integrity of my credit file. 

Please treat this matter with the utmost urgency. I would greatly appreciate your prompt attention to this issue and your cooperation in resolving it as soon as possible. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-11
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. (GA)

Its really disappointing to see unauthorized inquiries on my credit report, especially since I dont know how they got there. Im used to regularly checking my report, and this time, discrepancies appeared out of nowhere. I refreshed my browser to rule out any system error, but the inquiries remained. Im pleading for a thorough review of the documents Ive provided to ensure this problem is resolved once and for all.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Below listed Inaccurate accounts & Inquiries : XXXX XXXX XXXX  # XXXX Is reporting 2 inaccurate Open Dates / 2 inaccurate Dates Last Active XXXX  XXXX # XXXX / XXXX Is reporting 2 Different Account numbers/ 2 Inaccurate Open Dates / 2 Inaccurate High Credit / 2 Inaccurate Last Active Dates XXXX # XXXX Is reporting 2 Inaccurate Open Dates/ 3 Different Hight Credit Amounts / 3 Inaccurate Last Reporting Dates/ 3 Inaccurate Last Active Dates / 2 Inaccurate Last Payment Dates Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I've disputed the incorrect Balance on XXXX XXXX  and provided proof this loan was paid off atleast 5 times to XXXX XXXX,, Equifax and XXXX. All XXXX companies have not updated or removed the loan from my credit report and they do not have a live customer service representative that I can speak to. I've disputed the hard loan inquiries as I have not given the companies permission to check my credit and they should have deleted it from my credit. Again, I've provided and disputed the loan amount because it is incorrect and the balance I'd completely paid off to XXXX and XXXX XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or deliv

ered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (KY)

I AM SO SICK OF THIS COMPANY THEY KEEP CLOSING MY ACCOUNT WHEN ALL OF MY MONEY GOES TO THE ACCOUNT AND THEN IM STUCK WITH NO MONEY, NO WAY TO EAT, NO WAY TO FEED MY KIDS, NO WAY TO PUT GAS IN MY CAR OR ANYTHING AND THEY THINK THAT'S OK. THEY NEED TO BE SHUT DOWN IMMEDIATELY THEY HAVE DONE THIS TO ME ABOUT 6 TIMES AND NEVER TRY TO FIX THEIR ISSUE. THEN YOU SELECT THE ENGLISH OPTION AND NEVER GET ANYONE THAT SPEAKS ENGLISH, JUST SOMEONE REPEATING THE SAME THING OVER AND OVER AGAIN ABOUT HOW THEY'RE SORRY AND CAN'T FIX IT WHEN THEY CAN FIX IT BECAUSE THEY HAVE DONE IT BEFORE. THEY DON'T EVEN ASK YOU IF YOU WANT YOUR ACCOUNT CLOSED, THEY JUST CLOSE IT WITHOUT YOUR PERMISSION AND THINK SOMEONE WITH NO FUNDS ON HAND IS SUPPOSED TO WAIT 7-10 DAYS FOR THEM TO SEND ANOTHER CARD I DON'T XXXX THINK SO.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-11
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. (FL)

I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided XXXX, Experian and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX  deleted the 2 accounts, but XXXX  and Experian has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from TransUnion, XXXX, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and Experian is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VALLEY NATIONAL BANCORP (SC)

Valley National Bank has not properly setup our mortgage payment system on a new mortgage that we received on XX/XX/XXXX. 

Valley National had many issues with properly setting up their website to receive information via their 'automated ' computer way of getting documentation. They would argue with us many times, and were usually wrong about having made available auto signature documents ( e-docs ) and such. With no apologies coming from them when they constantly made mistakes. 

At the time of closing, we were told ( even after a Notary showed up at our door for all final document signatures one in Florida and the other in South Carolina ) that all was good. 

As of XXXX, we received no payment schedule. We started to get a payment request but it was back dated!!!! Can you believe this, even todaty on XX/XX/XXXX I receive a payment request for payment due of XX/XX/XXXX. Enough Nonsense!!! 

If they want us to use the checking account they sent me checks on, but no documentation on where to go to put money into the account, then send out a HOW TO MAKE THE DEPOSITS PER A PAYMENT Schedule. 

This is my 5th or 6th house, and I have never had so many issues with a bank! Each time I call the person I need to talk to is busy and does not return my calls. 

I don't think we should have ANY late fees, as this is all a mistake and lack of information and instructions on their part!!!!

My wife and I have done our best to guess at their payment schedule and have been sending in 2-3 check payments per month. 

I don't want their lack of instructions and billing payment schedules, and/or how to make payments affect my wife and my credit rating.
Consumer complaint received 2019-01-14
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. (KS)

I tried to dispute a public record on my report and they are not removing it as asked. They are just doing what they want and don't care what the person is asking. I sent them a letter that indicates that it need removed and the the section number on FCRA that the letter shows.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (FL)

I just recently looked at my credit report XX/XX/XXXXXXXX I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXXXXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.