davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally dispute serious inaccuracies regarding my accounts with the following companies that are reported on my XXXX, Equifax, and XXXX reports : XXXX with XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX 
This matter is not just an inconvenience ; it is an outright misrepresentation that demands immediate attention. 
Despite my previous communications on XX/XX/year> and XX/XX/year>, there has been no resolution to the discrepancies I highlighted. The lack of response from all 3 credit bureaus and actions on their part is unacceptable, and I expect a prompt and thorough investigation. 
Details of the Dispute : Nature of the Dispute : According to the FCRA laws sections 605b ( a ) and 15 USC 1681 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I have the right to privacy please send proof of my written consent that I authorized you to report or obtain my information or remove my account. 
Supporting Documentation : I have enclosed my FTC Report with Ref number XXXX ; ID ; and bank statement as proof of my identity.

I expect this matter to be resolved within 5 business days from the date of this letter. If I do not receive a satisfactory response, I will escalate this issue further, which may include filing complaints with consumer protection agencies and considering legal action.

Your prompt attention to this matter is not just expected ; it is required. I look forward to your immediate response.
Consumer complaint received 2018-09-21
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. (TX)

Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine Experian : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet Experian refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from Experian provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX  : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Consumer complaint received 2024-08-18
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. (AL)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IL)

After paying off a debt to XXXX in the amount of XXXX which I don't believe I owed to begin with, a scam artist collection company called XXXX I believe kept sending me the XXXX bill through collection letters until LIKE AN XXXX I sent this XXXX XXXX collector my original paid in full receipt which they miraculously didn't recieve, HOWEVER it completely disappeared on my credit reports but NOW they just reported it AGAIN XX/XX/XXXX as open and unpaid. This is MafiXXXX type extortion and my credit was finally after years well over the XXXX mark, 100 % on time payment history for 5 years! And these extortionists are ruining my credit again. I need your help PLEASE. I read online this particular collection agency is constantly in legal trouble for trying to collect paid debts, then I heard XXXX XXXX mention them just last week on his show for deceptive practices. Please help, I take pride in my score and it's being ruined by criminals.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX I was the victim of a scam. I called the XXXX XXXX   Mastercard immediately and told them what happened, to not approve the charge and to cancel my credit card. Although I did not approve the charge I was billed {$290.00} on my XXXX XXXX Mastercard. I spoke with someone at the Fraud department who told me the charge would be taken care of and I would be sent a new card. Since then I have spoken to numerous people from the fraud and billing department. Each time I am told it will be taken care of. In XXXX I was told I would have to wait to sign an affidavit before I could get credit. I waited for this letter for three weeks. When I called a third time asking about the letter I was told there was no letter and someone would take care of it. Finally, on XX/XX/XXXX I spoke with someone from the Fraud department who said she would have it off my account in three business days. I waited and called back on XX/XX/XXXX inquiring about why the charge remained on my account. I spoke with a gentleman who told me he was not sure but believed it would take seven business days. Now, it is XX/XX/XXXX and the charge still remains on my account. I am tired and frustrated of calling this credit card company and nothing is getting done. I have never dealt with such an incompetent company before. I would not recommend XXXX XXXX Mastercard.
Consumer complaint received 2018-09-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OK)

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through Ally Financial. A XXXX XXXX XXXX, VIN : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 
A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$17000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number is : XXXX. 
In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything.

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were XXXX Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle.

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to
seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately 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 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc. (AL)

Received letter dated XX/XX/18 from XXXX XXXX XXXX stating credit score of XXXX from XXXX. I havent applied for any service from XXXX XXXX XXXX and have excellent credit. I keep a freeze on my credit from 3 main agencies since all social security numbers were compromised in XXXX XXXX a few years ago. Why did my credit get run without me applying for something? I cant get any answers from phone calls attempted. Also, address is incorrect on letter.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I am trying to transfer my credit card balance from American Express to XXXX for some reason American Express is not wanting the balance to be transferred. They have even been adding late fees for no reason. The first balance transfer request happened with discover on XX/XX/2018. Proof of timely payments to american express are included
Consumer complaint received 2018-09-18
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. (CA)

I have submitted numerous disputes regarding the reporting of XXXX XXXX XXXX reporting inaccurate information. Transunion has allowed them to correct dates that were wrong which indicates they have communicated with XXXX XXXX directly. I actually received a letter from XXXX XXXX outlining dates of payments and the date the account was sold to a third party. 
The information on my credit file shows a chapter XXXX filing which is a payment plan. XXXX XXXX states on the credit file that a last payment was made XX/XX/XXXX when they first stated the last payment was in XXXX. XXXX. XXXX XXXX states in their letter to me that they were notified of a filing by me on XX/XX/XXXX but provided no proof. Also they said they sold the loan to XXXX XXXX XXXX on XX/XX/XXXX after charging this account off on XX/XX/XXXX. A letter from XXXX states that they bought the loan not XXXX XXXX XXXX onXX/XX/XXXX.They also state that this account was charged off in a chapter XXXX bankruptcy not chapter XXXX. 
This account has been inaccurately reported for over 3 years with Transunion claiming they have investigated this account with the creditor which actually don't have the account! That in itself is a violation of the FCRA. 
I have provided copies of paperwork of the above mentioned facts which has been ignored. The original creditor information is incorrect to the dates and who they sold they account to. Also they no longer have the account and is reporting inaccurate information about a chapter XXXX bankruptcy that they haven't provided any proof exist. The same chapter XXXX that was deleted from my XXXX  file during my complaint to the CFPB ( reference complaint # XXXX ). 
There's a bankruptcy under XXXX XXXX XXXX XXXX which is not me. Im just XXXX XXXX XXXX. I believe the items reporting on my credit file ; XXXX XXXX XXXX acct # XXXX and XXXX   acct # XXXX belong to that individual and are being reported under my name and credit file.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (GA)

Heres what needs fixing : **Personal Information : ** - **Incorrect Name** : XXXX XXXX - **Incorrect Previous Address** : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - *Date of Birth** : XXXX only - Current Address** : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - **Incorrect Employer** : XXXX XXXX XXXX **Collections/Accounts : ** - **XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX XXXX** : Account ending in XXXX XXXX **XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX** : Account ending in XXXX - **XXXX XXXX** : Account ending in XXXX - **XXXX** : Account ending in XXXX **Inquiries : ** - **XXXX XXXX XXXX** : XXXX - **XXXX XXXX XXXX** : XXXX - **XXXX XXXX** : XXXX - **XXXX XXXX XXXX XXXX** : XXXX - **XXXX XXXX XXXX XXXX** : XXXX - **XXXX XXXX XXXXXXXX XXXX** XXXX XXXX - **XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) ** : XXXX - **XXXX XXXX XXXX** : XXXX - **XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : Transunion : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX   reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by XXXX  are not mine, nor is there any proof from XXXX provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX  reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX   account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (CO)

I have never received notice or any paperwork concerning this debt. I have personally contacted the company to dispute this debt. I have also submitted disputes with all my credit report agencies and have been successful at getting it removed with XXXX so far. The debt continues to be reported on my credit falsely.
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (MI)

My name is XXXX XXXX XXXX XXXX I was born XX/XX/XXXX the debt the showing on my report is not related to me there are three other XXXX  I need this remove my credit report I need a full investigation are all my debt including inquires I havent had any choir because I have not stayed in the state for almost 2 years please resolve this in a soon as possible my email is XXXX or XXXX XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Performant Financial Corporation (CO)

XXXX XXXX called my employer on XX/XX/18. My boss called me into the office and said that the lady on the phone told her it was a recorded line and asked to speak to me. When I answered this call, the lady gave me her name and stated that she was with XXXX XXXX. She then proceeded to state an address, last of SSN, and birthdate which was incorrect. I told her no. She asked if i received their letter in the mail. I did not. She then asked for a better contact after I asked for them to never call my employer again. I asked for all communication to be done in writing via mail. It has been a week and no letter in the mail. I check my credit report, and discovered that XXXX XXXX has done a hard inquiry on my XXXX  credit report without my consent or knowledge and are not on my credit report listed as a debt owed. I feel like this is harassment.