davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data  formatted reporting standards. 

Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different. 

You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2017-11-07
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. (NY)

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (FL)

Hello. I am very surprised about the response that you sent me for my last complaint, with the identification number XXXX, from XX/XX/2023. 
Simply, and very easily, my American Express credit card that ends in XXXX does not appear on all three credit companies ' reports, that includes XXXX XXXX, XXXX, and XXXX. 
It only disappear in the last month, and I do not know by who this occurred, as it always appeared every other month since I had this card. 
I submitted a complaint against all three credit companies, XXXX XXXX, XXXX, and XXXX. 
All three of them told me to contact you. 
And it is very strange that you are telling me to contact them. 
Someone is making a joke from this entire ordeal. 
Please take care of this, and make sure that this American Express credit card, which I am using actively, and is active, and again I say, that ends in XXXX, appears in all three companies ' credit reports, and does not tell me history stories. 
I would like to mention that on your credit report too I checked, and it does not appear on your credit report either. I have three credit cards with you, and another personal loan on my account as well. 
Two of my credit cards, American Express XXXX XXXX, and American Express XXXX XXXX, as well as my American Express Personal Loan, all appear on my credit report, excluding my final third card, ending in XXXX. 
And it is strange that this card ending in XXXX is the only one that does not appear. 
And all of the three credit companies tell me to contact you.

And you send me to the three credit companies. 
So what is not correct, is all of you have an issue. 
I expect that this will be the last complaint that I will submit here and that you fix the issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

TodayXX/XX/XXXX I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from XXXX XXXX wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
Consumer complaint received 2019-05-22
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. (NC)

I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XXXX XXXX XXXX I called XXXX XXXX sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (NC)

I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent  service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. 

I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. 

Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. 

Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-11-06
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. (OH)

on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I sold a property in XXXX which then closed, funded and recorded on XXXX/XXXX/XXXX. I have wire funds confirmation provided to me by my escrow company confirming this. I recently have received alerts from one of the credit bureaus that I have late payment for XXXX. I have attempted to navigate thru XXXX XXXX XXXX web site and sent multiple e-mails with supporting confirmation documents and no response.I have asked that this be removed from my credit report asap. 

Loan is under XXXX XXXX XXXX XXXX number : XXXX XXXX Account number : XXXX Property address : XXXX XXXX XXXX # XXXX XXXX, CA. XXXX Wire amount : {$300000.00}
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (VA)

I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (GA)

I HAVE ALREADY NOTIFIED CENTRAL FINANCIAL CONTROL IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT CENTRAL FINANCIAL CONTROL A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I opened the XXXX credit card through the app. I was able to make purchase online without receiving the card. Several weeks went by and I never received the card. I called and let them know. They closed the account which dinged my credit and then sent me another one. On the phone that day I paid the full balance. Today XXXX I received a notification from XXXX XXXX that my credit went down XXXX points!! I freaked out and found out there was a random {$90.00} balance. I called XXXX and they removed the late fees and I paid the balance so that this was taken care of. I asked speak to a manager and was never transferred. I had an XXXX XXXX XXXX and have never had a late payment. Please help me with this, I am so upset.
Consumer complaint received 2022-05-04
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)

Experian is erroneously reporting my account held by XXXX XXXX XXXX XXXX  XXXX Current report has my XXXX account listed under Closed Accounts as well as Adverse accounts. It also shows the account as two months late payments. This is adversely impacting my credit score by over XXXX points. XXXX XXXX sent Experian a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXX sent to myself and Experian on XX/XX/XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Please delete and remove this fraudulent accounts to my credit report. It clearly shows that your bureau is showing inaccuracy to your reporting as it is not showing to XXXX. I have already reported this to FTC and I have been disputing this for quite sometimes but you seemed not doing some action towards this matter. 

XXXX  XXXX Account # : XXXX
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXXXXXX XXXX.
Consumer complaint received 2023-07-24
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. (TN)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  Account XXXX
Consumer complaint received 2023-07-24
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$600.00} ; XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXBalance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/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 2023-07-24
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. (PA)

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 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 2023-07-24
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. (MA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX paty.They in fact did not come from a XXXX party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.