davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date ofInquiry : XXXX ; XXXX Of XXXX Date of Inquiry : XXXX ; XXXX Bank Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-18
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. (TX)

I DISPUTED THIS ACCOUNT ON XX/XX/23 which was verified as mines. Then a asked for a method of verification and have not gotten a response please delete account. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX  -- 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. PLEASE DELETE ASAP!!!
Consumer complaint received 2024-03-21
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. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I noticed that on my consumer report personal information they were reporting 3 different addresses and a name that do not belong to me. Contact Experian and informed them about this issue, but was told that they were reporting accurate information. I even mailed all my personal information to Experian to be updated but they did not honor my request. I need some assistance to correct my personal information on my consumer report. Please help!

Thank you in advance!
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Im writing because your company has a few items that are incorrect XXXX XXXX does not belong to me XXXX XXXX XXXX is not late also XXXX is not late
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

CITIBANK NA XXXX The balance on this account should be reporting as XXXX. I've contacted Citibank and they do not see any open balance but my credit reports are inaccurately reporting a balance of {$2300.00}.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

Received letter from American Coradius International LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, dated XX/XX/XXXX and received XX/XX/XXXX ; stated I had a XXXX, XXXX balance as of XX/XX/XXXX. 
This communication is from a debt collector. Total amount of debt owed : {$91.00}. This is the very first time of being made aware of this debt ; this is not my debt. Do not know what this charge is for???? 
Returning letter back XX/XX/XXXX, to dispute charge.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Upgrade, Inc. (AZ)

I am a victim of identity theft & have reported this to the credit bureaus & the police department as well as identity theft.gov three credit card issuers have verified Im a victim of identity theft & have removed the trade lines from all credit bureaus. I reached out to upgrade to inform them I am not going to pay for a cc that is not mine. I have provided them with all information I can. The upgrade rep through email wants me to call XXXX XXXX  in a three way call to verify the bank they sent money too is not in my name. I have held XXXX XXXX accounts so yes there will be a history for me but I will not provide my info to another company to satisfy upgrade. I already provided documentation & I received no response they have not provided me with any evidence this account is mine no paperwork, signatures, nothing.
Consumer complaint received 2023-05-09
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: LEXISNEXIS (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from Lexis Nexis stating that the following account could not be verified and it was immediately DELETED from my credit file.

US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account.

* Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account.

PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.
Consumer complaint received 2023-07-12
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
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 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 2023-11-14
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: EQUIFAX, INC. (MN)

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 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: Experian Information Solutions Inc. (ND)

Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX   about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
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. (FL)

I wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and credit report.
Consumer complaint received 2023-11-18
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. (CA)

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.

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 2023-11-18
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. (TX)

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 

( Attached is my documents, DL, and paperless utility bill. ) 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 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (AZ)

Direct Recovery Services called last month and then again today. They are callilng for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They left a different number to return their call IMMEDIATELY at XXXX. The number that came up when they called me was XXXX, and when I called that number, I had to leave a message. Last month I told them to stop calling me, that I was not the person they were looking for, whoever that was. I do not owe a debt.

They left an account number on my phone for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX, various payment amounts with interest, and a ziip code of XXXX, which I believe is in the XXXX US. I live in the XXXX and that is NOT my zip code.
Consumer complaint received 2023-11-18
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. (FL)

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Whom It XXXX Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( TransUnion, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( TransUnion, XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, 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 information incorrect
Company: U.S. BANCORP (FL)

On XX/XX/2023 I file a dispute on all the credit bureau telling them that balance is incorrect reporting from XXXX financial service that I used 90 % usage of my credit card which I didnt that XXXX of XXXX Which I used XXXX at that time instead XXXX. I called the company first and they informed me my usage was below 20 % when they reported to the credit bureau. I just got email from XXXX stating the the information that was reported was correct and no changes is going to be made.This incorrect balance has drop my credit score down a lot and the credit bureau XXXX really didnt look into this if so my credit score would have went back like it was. I am trying to build my credit score not low it. Thank in advance
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 — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/2023 I received an email alert from XXXX saying that I had a hard inquiry from COMENITYCB/ZALES. I filed a dispute with XXXX as this attempt to open a credit card was not me. The only contact information listed for the creditor was XXXX XXXX XXXX XXXX, OH. There was no number listed and with a quick XXXX search of the XXXX XXXX I found the following number, XXXX ( XXXX ) XXXX. I contacted the number only to hung up on by the person on the other end.
Consumer complaint received 2018-09-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (PA)

XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.

XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX   has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.

After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

Attempted to purchase airline tickets in the evening, wake in the morning to a notice of declination based on a fraud alert. Responded to the text that it was not fraud, immediately booked the tickets again, however were {$20.00} more per ticket based on a fare change. This {$80.00} should be paid by Chase as their fraud department had flagged a legitimate charge. 

Significant history of purchasing family airline tickets in the past, no reason this should have been flagged. The mistake of credit card company cost me money.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recall applying for a line of credit but due to the undisclosed fees and interest rates, I declined the loan. I am trying to purchase a home and this loan ( that I declined ) comes up on my credit report as if I owned money on the loan. I have called the XXXX XXXX several times to see if they can remove this horrible and harming debt from my credit report and they refused. I was advised that the bank is unable to locate the loan so they can not remove it. I called again and spoke with several rude representatives like XXXX XXXX ; that gave me a website : XXXX to dispute the line credit but that website wants me to pay {$90.00} to dispute something that should have never been reported. I am at my ends- wit because I am about to lose my lender on my home- if i can not get a letter to show that the debit is not valid or have the company remove the debit before I close on my home on XX/XX/2023
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have tried since XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XXXX. I have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XXXX XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX XXXX case # XXXX XXXX. Now in XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX XXXX XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XXXX I am also including all the addresses of all the places that the consumer report has me living.