davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX  ; Experian and XXXX are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. ()

Did transaction with # XXXX before 7 days after call custcare chat with them then XXXX XXXX chat support also but still no reply for my Money Can Please anyone resolve my problem as soon as possible Call me On XXXX XXXX - XXXX
Consumer complaint received 2018-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Have called and we settled with a XXXX settlement offer as a pay to delete with a first payment of XXXX and the last payment XXXX XXXX has made payment but they are still reporting a - negative balance on my credit report
Consumer complaint received 2024-04-13
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-09
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affiliated Acceptance Corporation (TN)

XXXX XXXX sent out a flyer advertising their services for {$9.00} per month. I went to their place of business and they produced a contract for me to sign. When I got home I looked the contract over and found they were going to charge me {$19.00}. The next day I called them and told them I did not want their services and wanted to cancel the contract. They wanted to know why and I said they were charging me more than the advertisement stated. They told me I did not qualify for the ad prices and I could not cancel the contract. 
I then started getting a bill from Affiliated Acceptance Co. I sent them a letter and told them I did not owe this bill. I still received numerous bills for the contract I signed with XXXX XXXX. They have called me and I told them not to call me again. They are still calling me. I sent a complaint to the XXXX and they sent me a letter stating they tried contacting the company but they did not answer them. I filed a complaint with the credit bureau and the investigation and removed them from my credit file.
Consumer complaint received 2024-04-13
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-08-28
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. (AL)

XXXX/ XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX ' XXXX Inquiry XX/XX/XXXX Unathorized Inquiries need removal asap.
Consumer complaint received 2023-08-22
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. (CO)

Please see attached For this Complaint >>XXXX XXXX Let for this complaint >>Transunion XXXX let for this complaint >>XXXX XXXX Let for this complaint >>Proof of Residence Bill >>Proof of identification >>Note anything titled with 2023 are letters that have been submitted with previous complaints
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-13
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: EQUIFAX, INC. (NC)

I am submitting a follow-up complaint to request the removal of fraudulent inquiries on my credit report. I ask that the XXXX, Equifax, and XXXX XXXX conduct a review and remove the following fraudulent inquiries as required by law : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2023-11-27
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. (LA)

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 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 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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, has violated my rights. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

In XX/XX/2019, XXXX XXXX responded to a complaint with the CFPB # XXXX, indicating that after investigation REMOVING Bankruptcy record # XXXX from my XXXX file.
Consumer complaint received 2024-04-13
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. (TX)

I hope this message finds you well. I am writing to express my continued concern and frustration regarding the unresolved issue of late open accounts. Despite our previous attempts and numerous communications, it is disappointing to note that this issue remains unresolved. 

We urge you to escalate this matter and allocate the necessary resources to expedite the correction of late open accounts. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. 

Please consider this as a formal escalation of our concerns. We expect prompt action and a tangible resolution to be implemented without further delay. Failure to address this matter adequately may compel us to explore alternative options to ensure timely and efficient account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$34000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$520.00}.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.
Consumer complaint received 2023-11-25
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. (AL)

To Whom It May Concern : I recently sent your organization a letter requesting the investigation and removal of inaccurate information from my credit report. I received your response and the accounts below are still reporting on my credit file. 
Furthermore, in accordance with the FCRA, I am requesting proof that the information was verified. 
XXXX XXXX XXXX I believe that the dates and late payments are reporting inaccurately. Here is the case # XXXXXXXX XXXX XXXX XXXXXXXX I believe that that the dates and the amount owed is reporting inaccurately. Here is the case # XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I had an auto loan with XXXX XXXX XXXX. At some point my account was taken over by XXXX. I missed a payment in XXXX of XXXX due to being bed ridden with a high risk XXXX & unable to work. I was in communication with XXXX & I was under the impression that I was granted a forbearance. I've talked to truist to no avail for XXXX. In XXXX of XXXX I had finally gotten ahold of a supervisor in the collections department that was able to help me after many others had claimed there was nothing that could be done. I squared everything away & after not being able to explain why there were XXXX late payments, she had agreed to remove them from being reported to the CRAs. I was told to check back in XXXX to be sure. I did, & I was reassured They were removed. Now XXXX of XXXX & they're still reporting. I spoke with all 3 CRAs after disputing & uploading proof of payments for those XXXX. XXXX notified me that they validated the debt, I sent in a request of validation & their method of validation but did not receive anything other than updated comments saying they were verified by the creditor. I spoke with XXXX again, & they're now stating there's nothing they can do about what the previous supervisor told me. Even though experians report for that account shows what day the payments were made & for how much. Which coincide my payment records for the months being reported late. The only payment that was late was XXXX & their not even reporting it as late for that month. The report in its entirety is inaccurate. Everytime I call any of the XXXX companies im stonewalled & told different things by each representative but ultimately get no resolution. My payment is {$370.00} per month, I've always paid XXXX. If I were actually behind XXXX they would have certainly come & gotten the vehicle. XXXX & the 3 CRAs reporting inaccurate information is unfair & hindering my credit worthiness to buy a home. I would like the steps needed to file suit against all XXXX companies as well as these false late payments to be removed.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. 
I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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 XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-25
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: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against EQUIFAX for IDENTITY THEFT. I believe that my rights under the Fair Credit Reporting Act have been violated. EQUIFAX VIOLATED MY RIGHTS, TOOK MY NONPUBLIC PERSONAL INFORMATION AND TRANSFER IT TO NON-AFFILIATES WITHOUT MY CONSENT THAT IS IDENTITY THEFT I ASKED EQUIFAX TO PROVIDE ME WITH A CONTRACT SIGNED BY BOTH PARTY WHERE I GIVE EQUIFAX PERMISSION TO SHARE MY INFORMATION AND NONE WAS PROVIDED. MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION IS NOT MADE IN ERROR ; NOR MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION BEING MADE ON THE BASIS OF MATERIAL MISREPRESENTATION OF FACTS. 
MY AFFIDAVIT OF FACT, WAS RECEIVED BY EQUIFAX ON XX/XX/2023 ( A copy is hereto attached ) EQUIFAX FAILED TO REBUTE THE AFFIDAVIT POINT BY POINT AS IT WAS REQUEDTED.. 
Despite my disputes submission EQUIFAXS RESPONSE ( copy hereto attached ) failed to provide me with proof of the method of verification according to FCRA 611 ( a ) ( 7 ) 15 USC 1681 ( a ) ( 2ab ) and Title USC 24 by LAW EQUIFAX was required to send me a complete description of all methods used to investigate this dispute, this notice will include ; dates, names, I.D number, addresses, and phone numbers of the direct source of the furnisher of the information NOT THIRD PARTIES AS PER FCRA 611 ( A ) ( 7 ). TEREFORE THE INACCURATE DISPUTED INFORMATION HAVE TO BE DELETED
Consumer complaint received 2018-08-28
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: LEXISNEXIS (WY)

I received a 112 page report from Lexis Nexis after investigation from a Bank Lender in which I was turned down. Upon inquiry and review of the report. It reflects Various different names including various Social Security numbers. Multi State addresses of various origins [ with various names, social security and addresses of multiple persons ]. Accounts that are in excess of 7 years or no relative nor belonging to myself. Not gender specific and includes multiple levels of false and fraudulent materials. The company claims to have retrieved their information from public sources or the major Credit Bureaus. I know that from working with the credit bureaus that 95 % or better is not even listed on my accounts. This is the Second attempt to challenge their information and would like the CFPB to assist with enforcing the accuracy and correctness of what this agency is reflecting. It has caused me to be denied credit multiple times and It was not until I called them directly to dispute an item that I learned of the " 112 '' page errors and inaccuracy. I have been denied employment as a result of this as well.