davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9200.00} on XX/XX/2023. As of XX/XX/2023, 5 months later my account is reporting as XXXX  days late for XX/XX/2023 and " too new to rate '' on my Equifax credit report. My XXXX and XXXX credit reports indicate that there have been no missed payments for XX/XX/2023 and this account is closed and paid satisfactory. Furthermore, I have documentation from XXXX that this account was paid off in XX/XX/2023. Despite trying to resolve this issue with Equifax in the past, they have not been able to do so. The attached letter from XXXX confirms that the account was paid off and closed on XX/XX/2023 and was never late.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Over 2 months Im trying to explain the violations to them but they simply dont want to hear anything. I found another violation just right now I will keep everyone busy for deleting this account. XXXX XXXX is one of the worst company that I ever seen, this company dont care any type or Federal Law, Im as a consumer pushing them to correct and report accurate account but nothing changes. Since its been over 45 days and no correction I demand to delete this account forever in 3 credit reporting agencies asap. Will be uploading another violation which shows that account number is reopening only one digit. Bu the Law FCRA account must be reported at least 6 digits so consumer can demonstrate if any issues, here is reporting just one. My previous complaint has been proven with actual proff that this company is reporting 3 different names and account number on 3 credit bureaus. Enough violating the Law, Constitution says everyone must follow the law, doesnt matter you are Present of United States or market cashier.
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

On XX/XX/XXXX I spoke with my VA medical rep XXXX about Carter- Young Inc a debt collection agency for XXXX XXXX XXXX XXXX. I informed XXXX that I have tried to resolves the matter for over a year with no avail. Carter- Young Inc refused to remove any and all information pertaining to this account claiming they needed permission from the XXXX XXXX XXXX XXXX remove or update any information. I stated to Carter - Young Inc, Do not call me anymore unless you can prove that the account has not been paid. I assure you that the VA has taken care of this matter, I spoke with the Accountant at XXXX XXXX XXXX to make sure they had everything they need to process this claim. Carter - Young continued to call me and harass me even after I explained everything. At this time XXXX stated she would make contact with Carter - Young to resolve this matter. XXXX and myself did a conference call with Carter - Young Inc Rep XXXX, she was given the same information that was previously provided from me at an earlier date. XXXX was able to locate the file and she was given numbers to call if the company had any issues with updating the claim. XXXX stated that she would send the information back to XXXX XXXX XXXX so it could be properly processed and updated. XXXX stated she would do the same and explained to XXXX how the process works, XXXX asked if anything else was need to let either one of us know. XXXX also explained to XXXX that the medical bills have been paid and she is not sure why they haven't updated their system, but they definitely need to do so as this issue is causing undue stress to the Veteran. I agreed with XXXX. To this day Carter -Young continues to place these accounts in collections : XX/XX/XXXX for XXXX usd and XX/XX/XXXX for XXXX usd giving a total amount of XXXX usd.
Consumer complaint received 2023-11-14
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. (MO)

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 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE NEVER BEEN LATE WITH XXXX XXXX XXXX. THEY ARE SHOWING XXXX AND XXXX 2024 LATE PAYMENT. THIS INFORMATION IS INACCURATE.
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: EQUIFAX, INC. (NV)

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 2023-12-22
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. (MO)

-15 U.S. Code 1681c, 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

-12 CFR 1022.3, Identity theft means a fraud committed or attempted using the identifying information of another person without authority. The credit reporting agencies adding information to my report without my written consent is considered Identity theft.

-Violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) disclosure of financial transactions. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX is reporting on my Experian and XXXX credit file an account that I have no knowledge. The first time I had knowledge of this account is when it came up as a debt collection on my credit report.
Consumer complaint received 2023-08-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (WV)

The company saying they bought this debt is called CKS Prime Investment and the amount is XXXX but was bought from XXXX XXXX XXXX, I have asked for proof of debt, contract and signature to prove this is my debt but they have failed to provide me with any documentation or information. They keep reporting it to my credit over and over and over which in turn is making my credit go down as I am working really hard to build it back up.
Consumer complaint received 2023-12-22
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)

This is absurd that Experian is closing complaints at XXXXXXXX XXXX. Experian stole almost 19 of on time never late payments to XXXX and refuse to give them back. Experian keeps my score low and tells me that but will adjust my scores for money. I have paid my bills on time and this s a scam
Consumer complaint received 2023-11-22
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-10-21
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: EQUIFAX, INC. (NY)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I see numerous fraudulent accounts in my Transunion credit report. I wanted to have them removed as soon as possible. Kindly help me remove the following fraudulent inquiries : 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 2023-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (OH)

XX/XX/XXXX made an extra payment to be applied to my principal balance. 

XX/XX/XXXX checked my account- part of payment was used to pay off interest and the rest was applied toward principal. My account showed my next payment lower than my normal amount. called and asked why this happened after I selected the setting for the payment to go directly to loan amount and not my next payment. They advised me they would fix it no problems. 

XX/XX/XXXX received an email saying my payment would be returned. checked my account the payment showed in their system as they had received it and checked my bank account and it showed they had taken the money from my account. my next payment still showed the same amount as yesterday. called and they said disregard the email and to give it another day or 2 for the account dashboard to show the proper information. 

XX/XX/XXXX - Dashboard still showed the same amount and the transaction log showed multiple instances of returned funds and then applied payments. My payment for the following month still showed a lower amount than what I normally pay ( the difference was the extra payment I asked to be applied on XX/XX/XXXX ). Called and asked why hasnt the changed applied was put on hold for around 15 min. When they came back to the phone they said they had fixed it. My next payment was the same amount as always but then when asked why did my principal balance not go down they could not give me a straight answer. Once this fix had gone through I noticed my minimum payment was raised to XXXX. The difference was the same amount as my extra payment. When I asked about this they had no idea what I was talking about and made it seem as if I was making this number up. It seems as if they raised my minimum amount just to make sure that the amount due next month was the same after my extra payment. They also informed me all extra payments go first to paying off outstanding interest and then applied to the principal. When asked again why i never saw my principal drop at all after these payments they said you have interest accrued. I asked why these didnt show up on the transaction history to verify the amount on the principal loan balance is correct I was answered with silence. 

Screenshots of everything that occurred on XX/XX/XXXX are available.
Consumer complaint received 2023-04-12
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-04-20
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 had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (MD)

I spoke with Equifax on or about XX/XX/XXXX or XXXX XXXX to file a dispute for information reporting wrong on my credit report and asked for the inaccurate information to be removed. The customer service rep asked if I had supporting documents that I was making payments on the charged off account and if so, the items would be removed with my supporting documents. She gave me a fax number to send the documents to and said the documents would be uploaded within 24-28 hours. 

I called on XX/XX/XXXX to confirm that the documents were received and was told that they were not received. I called again on XX/XX/XXXX, and XXXX, XXXX. I spoke with a supervisor on XX/XX/XXXX and she told me that I should refax the documents or upload them to Equifax.com. I explained to the supervisor that I paid for the fax and was not going to refax them. She also said that they deal with other people sending in documents and for me to be patient. I think that was very unprofessional and that they should make sure that they give the consumer the correct information and not brush them off because they have other faxing documents, I was then told to upload the documents on the website or she would take the dispute again over the phone. I asked if that would start the dispute process over and she said yes. She then told me to upload the documents to Equifax website. I tried that and because the dispute was already submitted, I could not submit the documents. 

I called again on XX/XX/XXXX to see if the documents were uploaded. I was asked the exact same verification question from the previous calls and was told today that I could not be verified!
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NC)

On XX/XX/23 I checked my XXXX and XXXX XXXX accounts to find there had been 2 hard inquiries that I did not authorize or know anything about. I have tried to contact both companies but to no avail.
Consumer complaint received 2023-11-22
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CO CHILD SUP Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE RENTDEBT AUTOMATED COL Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2023-11-22
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)

In accordance with the Fair Credit Reporting act 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-11-22
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 demand the XXXX account to be immediately removed off my consumer report, unless there is proof of signature that I did indeed do business with this company, as I have no idea who this company is and have never done business with this company as Ive disputed before. I do not even know what a flex spending account is nor have I ever had one. If there is no such proof then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance .