davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Consumer complaint received 2024-03-21
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. (MI)

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 2023-05-09
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. (MO)

Retired XXXX XXXX of 27 years XXXX XXXX. Attempting to purchase a home and when looking at my credits reports found a few negative items that have caused myvloan Aplication to be denied. I have paid those items however the still dont allow me to be approved for any type of laon. I have disputed thro the credit bureS and the companies directly to no end. This unfair and im am requesting that these items all be permanently removed. 
Any assistance you can proved is greatly appreciated. 

Respectfully XXXX XXXX XXXX XXXX XXXX Retired XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-11
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. (CA)

I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX  - acct ending XXXX Inquires appear that I did not request are : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-25
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. (TX)

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # XXXX
Consumer complaint received 2024-03-21
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX Holding company made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX  XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes
Consumer complaint received 2023-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-21
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-21
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. (MI)

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 : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2022-12-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (TX)

On XX/XX/2020 I took my XXXX son to the hospital, he then was transported from XXXX XXXX XXXX in XXXX  ca to XXXX XXXX XXXX  XXXX XXXX via med transport. At the time of service durning registration I had given both insurance cards for both me and my son. I then received a bill of XXXX. When I called I was gaslighted and told I did not have insurance and I was responsible for the bill. After sending proof of valid insurance again I was told it was to late to bill insurance and I was still responsible for bill. They continued to call and harass me and have hit my credit numerous times, charge off and hit it a few more times over the last 2 1/2 yrs. Regardless of the proof I provide theres no protections for my credit score they keep attacking. They cant bill insurance 6 months after date of service. If they had billed the insurance correctly and in a reasonable time it would of reflected that we both were covered up until XXXX XXXX XXXX 2020
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Flagstar mortgage did an escrow analysis on XXXX and then told me we are short two years of taxes. It appears in XX/XX/XXXX they used XXXX taxes to estimate but failed to do the same last yr. In XXXX they are claiming the bill wasn't available in XX/XX/XXXX so they went ahead and used an extremely low amt from XXXX taxes as an estimate. This is ridiculous that they can use an old estimate and now my payment has almost jumped 2x.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Since XX/XX/2023 I was trying to remove the fraud alert from Equifax, after calling 3 times and providing the copy of my DL and SSN by Fax they still saying that there are nothing on my credit. After reading dozens of reviews about Equifax and people with the same issue I decided to file a complaint in order to get my credit lock from Equifax. They are hurting my credit score and also blocking me to apply for a new var loan. 
Please I need resolved as soon as possible. 
Thank you for your help.
Consumer complaint received 2023-11-15
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. (VA)

Hello, I filed a dispute on my Transunion credit report for a account that has been paid. I have confirmation from the account holder. Transunion says that they need a letter from the holder if the holder does not report a XXXX balance. The holder has not reported XXXX balance and has not sent a letter. Transunion has refused the email confirmation from XXXX. This is negatively affecting my score and as a result, affecting tenant screening. I have reached out to Transunion multiple times and am always told to follow up with XXXX. Transunion is the reporting agency and has violated the FCRA by repeatedly showing incorrect information.
Consumer complaint received 2023-11-15
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. (OH)

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 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, has violated 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 2024-03-21
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 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 2024-03-21
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. (FL)

I am writing to dispute an unauthorized inquiry listed on my credit report. I have no recollection of initiating any business or financial transaction with the listed creditors that would warrant an inquiry on my credit report. As such, I believe this inquiry to be unauthorized and inaccurate.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EASTERN BANKSHARES INC (MA)

I tried to open a checking account with Eastern Bank online. Afer I submitted my applicaiton, I was declined with the attached email stating that, " Our decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The email provided XXXX XXXX XXXX XXXX XXXX. I went to the website and requested a copy of my Consumer Disclosure Report. I found not implicaiton of writing bad checks or overdraft activities. My credit score is over 800. I do not understand why the bank decline opening a checking account.
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ESCALLATE, LLC (OH)

On XX/XX/18, I listened to a voicemail on my cell from this company that was left the day before. I have no idea who they are nor what " debt '' I owe to them. 
Therefore, they have NEVER verified anything by me ... 
The voicemail left yesterday was, " " This is Escalate, a debt collector. Return our call at XXXX '' *violation* insinuating a DEBT owed on my voicemail with OUT verifying they were leaving message for the correct party. 
I attempted to call this morning, XX/XX/18 @ XXXX ( within legal time of business hours ) and had to go through automated steps, 1 of which was entering in the last 4 digits of my son. I did so and recording stated, " we have found your debt ''. Then the recording said to call back during normal business hours ... .. 
***I have been in the collection industry for over 24 years and it makes me sick how these collection agencies think they can get away with violating the Federal Laws!
Consumer complaint received 2023-11-15
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (RI)

Hi Madam/Sir This Complaint are against XXXX. I had pull a Credit Report and noticed that ; XXXX - XXXX XXXX show XXXX XXXX bankruptcy discharged ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an Amazon StoreCard on XXXX by Synchrony Bank based on information from XXXX, " Bankruptcy proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the XXXX representative should always read and share the correct information on records to Synchrony Bank or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against XXXX, one thing I wish are XXXX to become more careful sharing information. 

Sincerely XXXX
Consumer complaint received 2023-05-12
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. (NJ)

This is the further time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

I was exposed to chemicals at work and my XXXXXXXX XXXX I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXX XXXX  as a result of the inhalation of chemicals. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX XXXX due to being exposed to toxic chemicals at work.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX overcharged me on a car loan with them in XXXX  when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on my account