davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (WI)

Hi, EQUIFAX INFORMATION SERVICES LLC is still reporting this fraud acct. XXXX XXXX acct # XXXX {$2200.00}. on my credit report. The company nor Eqifax has legally verified this fraud account with the documents I requested. XXXX XXXX keeps sending Equifax computer generated notices this account is verified & false information. XXXX  XXXX NEVER lawfully verified this fraud account, with true valid proof, wet signature & the proof I requested. Equifax is violating the law & my rights & it has been way past the 30 days they were allowed. This dispute has been going on for months & it is causing me XXXX  & for future access to credit for a new car or to refinance my home. Since Equifax wants to ignore & not follow the law, I am going to take legal actions against them for reporting fraud on my credit report. Also every time I do a dispute with Equifax they lower my score, which it should stay the same even if the dispute wasn't removed, not lower it!! Also, I had a positive account added to my report which should have enhance my credit age & credit limit, making my score higher, it didn't, there is no justification for not honoring me properly. Im fed up with Equifax & WILL NOT be purchasing an XXXX  membership, as I was planning, for credit monitoring & updated scores & reports. Equifax continues to violate customers rights & constantly has data breaches & law suits. I'm so fed up with Equifax. Please Remove this fraud account immediately! ( I have also included pics from the dark web of hackers making fake accounts with my info )
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (OH)

The reasoning for this letter is to dispute account " XXXX '' from the creditor " Check'n'Go '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile. This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
Consumer complaint received 2023-05-24
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. (FL)

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX XXXX are consumer reporting agencies and I am the Consumer. 

Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

NOTICE OF DISPUTE The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process '', nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval to do what you do. Here are my demands : I want this agency to provide me with documentation of 'verified ' and 'validated " proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 5 calendar days from today XX/XX/2023, to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in XXXX or XXXX in XXXX XXXX XXXX. Your work has injured me, and I will no longer allow some company who isnt authorized by me to report anything on me. You don't have my permission, nor do you have a power of attorney authorized by me to do this!!! 
The following accounts are incorrect, and your reporting of my private financial information and transaction history are adversely affecting my livelihood! The law that governs you lists exclusions to your reporting capacity. Your violations of that law are many 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. XXXXXXXX XXXX  XXXX XXXX you're reporting a car loan and transaction history again in violation of your governing law. I don't know who XXXX is, nor, do I have a contract with them, delete or I will enjoin you in arbitration or litigation with them. 
Further, any account that has reported a charge off to you is acting in fraud, you might want to distance yourself from them and remove those accounts from your public website. Failure to comply with this consumer 's order will result in enjoining your company in legal action against the furnisher ( XXXX ). Remove all names except XXXX XXXX XXXX and XXXX XXXX XXXX Remove all address expect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. All others are not valid.
Consumer complaint received 2023-05-28
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. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MS)

This company has obtained my information with my consent. Claiming that I owe them a debt and reporting on my consumer report. I have never done business with National Credit Systems. I have contacted this company several times asking for a complete audit trail of this account and how do I owe them? I have sent letters as well as certified letters since XXXX. They never respond! This account reporting to my consumer file is causing me a deep XXXX and is a Defamation of My Character. 

According to 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written intructions.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit Reporting act 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 an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as XXXX days to furnish this report and if not reported within XXXX days this inaccurate information be removed from my credit profile.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (AL)

In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( Balance {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.
Consumer complaint received 2023-04-25
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-25
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. (NC)

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 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 2023-05-28
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. (OH)

Back in XX/XX/XXXX, I disputed an account from XXXX ( Account # XXXX ) who are reporting to XXXX, Experian, and XXXX. I claimed the account was being reported as inaccurate and incomplete and after 30 XXXX, Experian, and XXXX sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX. Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches Experian continues to report. 
Reports account Date closed does not match XXXX and XXXX o Experian XX/XX/XXXX o XXXX reports XX/XX/XXXX o XXXX Missing info Reports Charged off date before account closed date reported by XXXX o Reported Charged off date XX/XX/XXXX o XXXX Date Closed XX/XX/XXXX Charge off date doesnt match with XXXX o Reported Charged off date XX/XX/XXXX o XXXX reports Charge off date on XX/XX/XXXX Reports Payment Status o Reports 60 days late o Account Status reports Charged off Maximum Date and Charged off Date does not match o Maximum Date XX/XX/XXXX ( Defined as Date the worst status was reached ) o Charged off XX/XX/XXXX Payment history for XX/XX/XXXX doesnt match with XXXX XXXX XXXX 60 days late o XXXX reports Charged off Payment history for XX/XX/XXXX doesnt match with XXXX o Reports 30 days late o XXXX reports 60 days late Date of last activity does not match XXXX and XXXX XXXX Reports XX/XX/XXXX o Experian XX/XX/XXXX o XXXX XX/XX/XXXX From the evidence above, XXXX, XXXX , and Experian can not be verified as accurate therefore Experian is in violation of FCRA 1681e ( b ), which they are not assuring maximum possible accuracy of the information.
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

XXXX XX/XX/2023 COMPANY NAME- IMEDICAL DATA SYSTEMS ACCT- # XXXX I check my credit and discovered that was something on my credit report that wasn't done or approved by me and a I did research this medical bill was on there in the hospital that it came from was closed down and does not exist anymore nor I had a contract with this company.
Consumer complaint received 2023-05-19
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. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-19
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. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Kentucky Management Services, Inc (KY)

I had to receive XXXX XXXX and stay in the hospital for multiple days. This resulted in a XXXX dollar medical bill from the hospital, I am uninsured. I attempted to apply for financial aid through the hospital but was denied. This debt was then sold to collections. I have spoken with the company and they were unwilling to offer any reduction to this debt, which is no way will I be able to pay or even attempt to pay off with a payment plan. This was not a voluntarily procedures and if I wouldnt have died without it I would have not opted to get the XXXX for fear of medical debt that I could not pay.
Consumer complaint received 2023-05-19
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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  account number XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2022-03-23
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

A {$200.00} Vanilla gift card was given to me as a gift and there was a XXXX balance the first time I tried to use it - I called and got a case # but there are hundreds of not thousands of reports that this is their standard operating procedure- they steal your money and do not return it-
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/2023 began disputing credit report. XXXX, XXXX XXXX, Equifax et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.
Consumer complaint received 2024-10-31
Product: Credit reporting 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 am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to maintain the accuracy of my credit report. 
Please remove the following accounts from my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I request the removal of the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (NV)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.