davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2020-08-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2020-08-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX data breach. on XX/XX/year>XXXX  i sent a letter regarding inaccurate and unknown things on my report its been more than 60 Days they havent responded yet, i feel like they are taking their time and taken avantage of me by ignoring me. iwant these accounts to be removed. from my report as per FCRA section 611A. 
Isurely a victim of the XXXX date breach.
Consumer complaint received 2020-08-03
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One retaliated against me because I filed a complaint ( # XXXX ) about fees they were charging on a credit card that had been paid off. They took the fees off, but added a derogatory note to my credit report that the fees were paid under an emergency fund or something, that caused my score to drop 21 & 23 points within 24 hrs of XXXX XXXX- XXXX XXXX. This is inaccurate, unfair and I want this corrected immediately. I have worked hard to rebuild my credit after many trials and tribulations and I am not going to allow greedy, scheming corporations like Capital One get away with doing this. This is wrong! Who holds these people accountable for things like this????
Consumer complaint received 2021-03-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates purchased an account from XXXX XXXX  in XX/XX/XXXX in reference to a balance of {$1000.00}. Portfolio Recovery Associates stated they sent me correspondence to an address in XXXX AZ. I do not reside in XXXX, AZ and reside in XXXX, AZ. They also stated that I received care at XXXX XXXX in XXXX, AZ and my dental office is in XXXX. They further indicated the name on the account was to a XXXX XXXX XXXX and that I was a co-signer.. As far as I can recall I never signed any documentation as a co-signer and Portfolio Recovery Associates can not verify if I signed the application. I called XXXX XXXX  they do not show my social security on any account for XXXX XXXX. I therefor request to have my credit report be corrected unless they can prove I am responsible for that account..
Consumer complaint received 2024-11-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ] PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear [ XXXX XXXX XXXX or " To Whom It May Concern '' ], I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt.

2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim.

Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA.

Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone Number XXXX email : XXXX I move out at the end of my lease given a 60 day notice to vacate.
Consumer complaint received 2024-10-26
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. (GA)

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXXXXXX XXXX XXXX opened on XXXXXXXX XXXX 2023 account number ( XXXX ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-10-26
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. ()

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. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : Equifax and XXXX report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for Equifax and XXXX is reported as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 
3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : Equifax lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Consumer complaint received 2024-10-26
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. (GA)

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX opened on XXXX XXXX, 2023 account number ( XXXX ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (FL)

My wife was hospitalized for 7 months and couldnt help my son with school homework. 

I decided to look for a place that could help my son with his school homework. XXXX XXXX promised includes ( brochures and advertising ) that my son in 6 months would be the best student at School. 

I told them about my son XXXX and the XXXX XXXX promised to have everything my son needed son needs My son spent 2 hours inside this place doing nothing and alone because this place They dont have teacher enough and hiring students without teachers certificate. 
I have messages talking about my son incomplete homework or wrong homework with my son School teachers notes. 

I have photos and messages exchanged with the owner of this XXXX XXXX about my son situation with this place. 

Everything XXXX XXXX promised did not happen.This school has been sending invoices for months and my son has not been there for months. 

My son School right now helping him with a special needs program approved by XXXX XXXX XXXX. The XXXX XXXX didnt inform us about special School program and taking our money. 

The first month We received a debt XXXX XXXX dollars without the service and my son still not use and they are charging every month.
Consumer complaint received 2023-11-17
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. (PA)

XXXX XXXX XXXX ran a hard inquiry on my Transunion report on XX/XX/2023 without my consent. I submitted a request for documentation that shows that authorized the inquiry and have not received a response
Consumer complaint received 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
********************************************** Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION ************************************************ Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I logged on to my.equifax account and unfroze my account so XXXX could run a credit check. After the check was run, I attempted to log back on but would get the initial screen, then it would freeze. After multiple attempts, I receive a message upon logging on to call equifax. I call, provide all verification with their auto, acted attendant, then get an agent, provide all information verbally as Im told I wasnt verified, then he sends me a link to create an account, I again explain I have an account and received a message to call them upon login. He then tells me I did verify, ignore the link sent, hell send a new link to reset my password. Receive link, follow steps to reset password, attempt to hit the continue button once password populated and -w requirements met, web page freezes again. Call back, spend 10 minutes going through verification with auto attendant, waiting to be transferred to agent, call is disconnected. Call back a 3rd time, go through all the verification with auto-attendant and again with agent, now told I need to be sent a long to create a photo of and upload and I, age of my drivers license. I told them based on their demonstrated incompetence in managing the data they have, not giving them any more, just confirm my account is frozen since the first agent told me it was, but not trusting them I wanted to login and verify myself. They refused and said I had to, send a an image of my driver license. I explained I would not do that, please just verify my credit is frozen so nobody can commit identity fraud based on equifax incompetence. They again refused. I spent well over 1 hour of my time dealing with their incompetence and dont want to be their customer, but I am forced to do so since they can give out my credit/financial information without my consent. I am perfectly happy to never do business with any company that wants to use equifax in order to do business with me as they have demonstrated their incompetence to handle that information.
Consumer complaint received 2020-08-03
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. (CA)

Transunion has taken 20 points from me for an account that I closed, which was in good standing and fully paid off. The account is too old to effect my credit score, because its past 10 years old. All of a sudden, XX/XX/XXXX, they took 20 points from me because I had an account closed. I filed a dispute and they " removed it from my credit score '' but never gave me the 20 points back. I disputed it again. This time transunion said I disputed my Mortgage instead of the account I was having problems with. Once the dispute came back as correct, my credit score dropped yet again. After this, I disputed again. This time transunion went into a different account once more and again the information came back, which dropped my score again. I tried calling transunion and speaking with two different people, yet neither one of them understood the above information. Instead of taking care of their mistakes, they kept repeating theirselves " credit is calculated by a number of factors ''. The problem is my credit score keeps dropping because of their mistakes and they won't fix them. XXXX  has an accurate score, while transunion just slaps whatever they feel.
Consumer complaint received 2024-09-25
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. (TX)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : # XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of every individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX Account Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXXSection 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXXSection 611 : Right to dispute inaccuracies and request investigation. 
XXXXSection 623 ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2024-10-07
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. (FL)

I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax These are the marks that I wish to be removed and updated as payment on time
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (IL)

USBank collection company representing this bank is calling my family and myself, threatening to garnishment my check for my job. The information is completely different from my personal information, name that I never had. They claimed over {$3000.00} from XXXX. Scams are controlling our life our future. My personal information had been compromised.