davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (SC)

Southwest Credit Systems XXXX XXXX XXXX # XXXX XXXX, Tx On XXXX XXXX, 2021, Southwest Credit Systems added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$460.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX  XX/XX/XXXX : Account Name : XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XX/XX/XXXX :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-26
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. (LA)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax- Is not reporting on this account XXXX - Account Name - XXXX XXXX - XXXX XXXX - Account Name - XXXX XXXX - XXXX XXXX is reporting the account name as XXXX XXXX. XXXX is reporting the account name as XXXX. XXXX is reporting the Agency name as XXXX XXXX XXXX XXXX is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX account 120 Days late twice, XXXX is reporting the status of the account as 180 Days late, and XXXX does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. Equifax is reporting the last date of activity as XX/XX/XXXX, XXXX is not reporting the last date of activity, and XXXX is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Equifax, XXXX and XXXX reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CBCA enacted CDIA Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian refuses to remove an incorrect address from my consumer report. 
The address is XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is not my address nor has it ever been my address. I have no affiliation with it and don't know why it's appearing on my consumer report. I have reached out to Experian regarding this matter and they have yet to resolve it.
Consumer complaint received 2024-09-02
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. (MN)

To Whom It May Concern, This letter serves as a formal demand for immediate compliance under federal law, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681c-2. Your agencys ongoing failure to address the fraudulent information on my credit report is unacceptable and illegal. I have previously informed your company that I am a victim of identity theft, which was a direct result of the Equifax data breach. This breach has resulted in numerous fraudulent items appearing on my credit report. Despite my prior communication, these fraudulent items remain on my report, which is a blatant disregard for the legal obligations imposed on your agency. Under 15 U.S.C. 1681i ( 7 ), you are required to provide a detailed explanation of the steps your agency has taken to ensure the accuracy of the items in question. This includes but is not limited to, the business name and address of any furnisher of information contacted and the telephone number of such furnisher if reasonably available. You have 15 days from the receipt of this letter to comply with this request, or you will violate federal law. Further, under 15 U.S.C. 1681c-2, your agency is legally obligated to block and remove any information that I, as the consumer, consider to be a result of identity theft within four business days of receiving a complaint. You have failed to adhere to this requirement. 
The specific fraudulent items in question include : XXXX XXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2023-04-27
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account XXXX : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account XXXX : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (IL)

I submitted a dispute for a {$740.00} purchase from XXXX. I explained that XXXX delivered me the wrong product ( it was not the product described in my order, but a different product ) and refused to refund the purchase or to send me the item I actually ordered. 

Alliant Visa just sent me a letter claiming that I did not provide sufficient written evidence to support the dispute

. Ho wever, Alliant did not request any additional details from me, despite my contacting them on multiple occasions to determine if they needed anything from me. This is not the first time Alliant Visa has conducted itself in this manner with disputes ; it is an established pattern.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balanced {$15000.00} XXXXXXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2023-04-27
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. (WA)

I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-04-27
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. (GA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc. (FL)

ON XX/XX/XXXX, I CONTACTED XXXX REGARDING AN INCORRECT ADDRESS ON MY CREDIT REPORT, I WAS INFORMED BY XXXX THAT ONLY XXXX XXXX XXXX CAN REMOVE THE INCORRECT INFORMATION. MY ADDRESS IS NOW SHOWING ON MY CREDT REPORT AS XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I NEVER LIVED IN XXXX GA. I THEN ATTEMPTED TO CALL XXXX XXXX  THAT GAVE ME THE INFORMATION TO CONTACT FIRST NATIONAL COLLECTION THAT INFORMED ME THAT THEY CAN NOT CHANGE THE ADDRESS XXXX XXXX HAS TO CHANGE IT. I ASKED WHY BECAUSE THIS ADDRESS WAS UPDATED RECENTLY BY YOUR AGENCY SHE THEN STATED THERE IS NOTHING SHE CAN DO. NOW MY MAIL IS BEING SENT TO AN ADDRESS THAT IS NOT MY ADDRESS SHE WAS ONLY CONCERN ABOUT CHANGING THE CORRECT ADDRESS SO THEY CAN CONTACT ME. I ASKED THAT SAME WAY YOU ENTERED THE ADDRESS ON XXXX SITE YOU CAN UPDATE THE CORRECT ADDRESS I THOUGH YOU ASKED FOR AN UPDATED ADDRESS TO CORRECT THE ISSUE SHE SAID AGAIN THERE IS NOTHING WE CAN DO CONTACT XXXX OR XXXX XXXX. I NEED THAT FALSE ADDRESS REMOVED BECAUSE I HAVE MAIL GOING THERE NOW. ALSO THEY BEEN SENDING MAIL TO THAT ADDRESS I NEVER RECIEVED.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC. (NY)

XXXX XXXX XXXX - XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX is attempting to colled the amoutt of XXXX USD ( XXXX ) treatment of XXXX XXXX - XXXX - this service was not provided ( 2 ) Office visit - XXXX - visit lasted only 20 minutes, the amount is way too much ( 3 ) Also charged XXXX dollars for XXXX XXXX which was not provided, I bought my own ankle support I called the doctor 's office several times regarding the services and charges. They promised to look into the matter and never replied.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This Matter Is Involving XXXX Loans on my credit report. 
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These XXXX account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of 2022 which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these XXXX accounts. And That In fact these XXXX loans have never made it out of default. I Was Also Informed that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX has never been set up. I have been provided documents that coincide with this information.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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. XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX 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 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XX/XX/year> Account Name : XXXX XXXX XXXX XX/XX/year> Account Name : XXXX XX/XX/year>
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Car which was Finance was already sold due to a reposesson the original amount was not {$27000.00}. the amount that is showing on my credit report is incorrect. It is showing an incorrect amount for the full finance amount and is showing derogatory. The amount that is showing the outstanding balance however I was never made aware of what the car was sold for so that outstanding balance was never authenticated.