davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - Tied Up to Open Account XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - Tied Up to Open Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX "
Consumer complaint received 2024-05-03
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. (MO)

I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2024-05-03
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I started out the month of XXXX with {$8300.00} in my checking account with Bank of America. On XX/XX/XXXX, I missed a call from the bank but got a second call from who I thought was the bank on the XXXX, Friday. I was asked if I was aware that there was suspicious activity on my account and if I lived or had traveled to the state of Florida, which I had not. I live in XXXX XXXX XXXXXXXX and had recently lost my job and was concerned that my account information was stolen so I followed the instructions of who I thought, at the time, was an associate. By the XXXX of XXXX, I was short {$8000.00} plus an additional {$11.00} cents that I immediately contacted Bank of America about on that Monday. I was told by the true fraud department that I hadnt spoken to them but they recognized the activity on my account and would do their best to protect my account. They asked me if I lived in Florida as well, to which I replied no. They asked if I misplaced my card and I hadnt ; I especially did NOT give anybody access to my account, yet on XX/XX/XXXX {$8000.00} was then subtracted from my account. I now am {$700.00} in debt, casually, and when I reached out to the bank I was told they might not be able to help me but could probably answer my questions. I need help.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (OH)

I contacted SunTrust Bank regarding archived records of my checking and savings accounts, in addition to the possibility of a check deposited in the amount of {$11000.00}. SunTrust Bank did not produce any records, nor to even prove that been a client within their institution. Knowing that I held accounts with SunTrust Bank, I am disturbed by the fact that they were unable to confirm that I was a previous client, even at the very least.
Consumer complaint received 2018-08-13
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: Metro Collection Service Inc. (CO)

i havent had a credit card in over 15 years this is not mine, furthemore it is not listed on my XXXX  but is still on XXXX, and XXXX, this has been with 4 other debt collection agencies and was removed but continued to be listed over the last 10 years and presently shown closed
Consumer complaint received 2024-05-03
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquired on XXXX XXXX XXXX 2023
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I, XXXX XXXX, owned a XXXX XXXX credit card in XXXX. This credit card was used for small $ XXXX {$200.00} purchases, mostly on XXXX XXXX or add-ons throughout the year of XXXX. 

I, XXXX XXXX, stopped using this XXXX XXXX credit card in late XXXX, and made a {$500.00} online payment on XX/XX/XXXX, which was the final payment made for charges that I personally made on the credit card. 

I, XXXX XXXX, received a letter from XXXX on XX/XX/XXXX that claimed my loan with a balance of {$4900.00} had been sold to Midland Credit Management , Inc . 

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I, XXXX XXXX, received XXXX billing statements or fraud alerts from XXXX XXXX about purchases made after I made the {$500.00} payment. 

I, XXXX XXXX, did not make the charges on this credit card, and I began attempting to figure out where the charges came from and how this happened without my knowledge. 

I, XXXX XXXX, along with my wife, XXXX XXXX, contacted Midland Credit Management , Inc shortly after receiving the letter on XX/XX/XXXX, and asked for a list of charges over the phone so that we could contact XXXX XXXX  and determine what the charges were and where they originated from. Midland Credit Management , Inc refused to give a list of charges in any shape or form, other than that one of them was a XXXX purchase. 

I, XXXX XXXX, did not receive any notices or letter from Midland Credit Management XXXX XXXX after this phone call until XX/XX/XXXX, when I was served with a Summons for a lawsuit at my place of residence. 

After receiving the Summons, I, XXXX XXXX, sent an email to the law firm who served me, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. This email outlined that first of all, the charges made on the credit card were not mine and that I had already asked Midland Credit Management XXXX Inc in XX/XX/XXXX for a list of the charges made and was refused. Had Midland Credit Management , Inc sent me a list of the charges in XXXX, I, XXXX XXXX could have taken care of this issue way before it advanced into a lawsuit. 

I, XXXX XXXX, received a response from XXXX, XXXXXXXX XXXX XXXX XXXX. that once again showed a total balance on the account, which I had received in XX/XX/XXXX, but did not show individual charges that were made on the account and where they were made. After this response from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, the debt was removed from my credit report. 

I, XXXX XXXX, once again heard nothing from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. from XX/XX/XXXX until XX/XX/XXXX when I served with a notice of hearing for default judgment.
Consumer complaint received 2024-05-03
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. (NY)

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 3rd party. They in fact did not come from a 3rd 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.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have attempted to dispute the XXXX XXXX account several times with Equifax, XXXX and XXXX XXXX  as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from XXXX XXXX  and they have refused to provide it. I have requested that Equifax and XXXX Delete this account because XXXX XXXX  has refused to validate this account by sending me the Origional contract. Equifax and XXXX refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
EQUIFAX- 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Gave information regarding travel out of the country to XXXX, XXXX and relevant dates prior to travel. They have declined multiple payments despite multiple calls to clarify the situation requiring over XXXX minutes of waiting, etc. They refuse to correct the situation despite multiple confirmations of identity. We have excellent credit, have never been late, have not come close to our credit limit. This is irresponsible when members are traveling out of the county with children and can't have reliable access.
Consumer complaint received 2024-06-05
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. (GA)

XXXX XXXXXXXX XXXX had inaccurately reported XX/XX/year> as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
Consumer complaint received 2024-05-03
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. (CA)

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 3rd party. They in fact did not come from a 3rd 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.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The following items are inaccurate and or incomplete. Please verify each account. Once investigation is completed please remove/delete all accounts not reporting ACCUARETLY. 

1. XXXX XXXX XXXX. Account terms inaccuarate. Balance inaccurate, payment history incorrect 2. XXXX XXXX XXXX-account terms inaccuarate, payment history incorrect, balance incorrect 3XXXX XXXX account terms incorrect XXXX Account is closed but shows active payment history 4, XXXX XXXX-account number XXXX account terms inaccaurate. payment history incorrect and missing XXXX- account number XXXX account information incomplete and incorrect and missing
Consumer complaint received 2023-07-09
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. (GA)

This complaint is against Transunion. I have been experiencing identity theft since XXXX XXXX. Today I go into my Credit Monitoring Service, and I see the following that took place on XX/XX/XXXX. 
-- My fraud alert had been removed, as last week my Credit Freeze was removed. 
-- also removed were the following : name, employer, and my Consumer Statement -- Of all ( 3 ) Credit Bureaus, Transunion is the only in my experience, that allows the aforermentikned items to be removed at will by others. From this point on, for Security Purposes, I wish to be conacted by Email : XXXX before any items can be removed by Consumer relevant to my Credit Report. There are consistent Security concerns with Transunion in regards to my Private Info. 
XXXX : XX/XX/XXXX SS # XXXX
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX XXXXXXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I recently looked into my credit report and saw several inaccuracies. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to insure the maximum accuracy of the information concerning the person about whom the report relates. Also, there's a violation of 15 U.S Code 1681i ( 5 ) TREATMENT OF INACCURATE INFORMATION ( A ) Please remove the following from said credit report immediately. 
XXXX XXXX XXXX and XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX ( XXXX XXXX XXXX ) Account has been closed since XX/XX/2022, and is still reporting on all the credit profile. They're also reporting 19 missed payments which is totally inaccurate. This company continues to patronize me with sending " validation letters '' that do not account for 19 missed payments. DO NOT CHOOSE XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 1681XXXX XXXX XXXX XXXX XXXX XXXXviolated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the removal of inaccurate information from my credit report. Despite my previous disputes, the information remains inconsistent across the three major credit reporting bureaus. Specifically, XXXX has corrected the inaccuracies, but XXXX and TransUnion have not yet made the necessary corrections. 
The discrepancies in my credit report are as follows : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> This information is incorrect and does not accurately reflect my credit history. I have provided supporting documentation in previous disputes to XXXX, which resulted in the correction of my report. I request that XXXX and TransUnion review the same documentation and update my report accordingly to ensure consistency across all three bureaus.