davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I received a call from a Pennsylvania number XXXX looking for my husband in regards to a Civil Matter as the woman stated. I let the woman know that I was his wife and asked what a Civil Matter was and she responded with " He can be taken to court for it ''. I asked her if this had anything to do with his Bankruptcy that he filed back in XXXX and she said no and that she could not tell me what it was in regards to, just that it was a civil matter. I then text my husband with the woman 's number frantically asking that he call this woman back. My husband then told me that the woman was calling about a Citibank Credit Card from XXXX and that the balance was {$5900.00}. My husband attempted to let her know that he had filed a Chapter XXXX Bankruptcy in XXXX and that it was discharged in XXXX and the woman proceeded to tell him that she was going to send the paperwork to our local jurisdiction, take him to court, garnish his wages and report this to his credit report. She told him that his bankruptcy did not matter. My husband then called me very upset and I let him know to call her back and let her know that even if we did not know about this debt back when the bankruptcy was filed, that because his bankruptcy was discharged, this debt would have been automatically included as it was incurred BEFORE the bankruptcy was filed. My husband called the woman back who stated that she did not know who we were getting our information from and again stated that she was going to take us to court and garnish his wages and that this was an OPEN loan already on his credit and is not part of the bankruptcy and then told my husband to have a nice day and HUNG UP.
Consumer complaint received 2023-04-25
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/ Balance {$0.00}
Consumer complaint received 2024-04-09
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. (MD)

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 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. (LA)

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on serval dates XXXX. XXXX, Equifax and XXXX have completely disobeyed FCRA. they have not removed personal information that needs to be removed immediately. XXXX, Equifax and XXXX have not marked accounts as disputed. So, I'm requesting that they delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.
Consumer complaint received 2023-12-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2023-04-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXX Balance : {$400.00} XXXX XXXXX Balance : {$270.00} : XXXX XXXX XXXXX Balance : {$0.00}.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-12-11
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (MI)

This is my 12th endeavor to tell you 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-25
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. (WA)

XXXX is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. XXXX will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXX XXXX XXXX ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. XXXX is saying its charged off XXXX. 

XXXX XXXX XXXX ( 2 ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but XXXX has it showing charged off in XXXX XXXX ; charged off in XXXX XXXX is showing charged off in XXXX this was included in XXXX XXXXXXXX  bankruptcy. 

I want XXXX to supply ME AND I DEMAND IT the information that matched what they are reporting, what a pile of XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a loan originator license and Im losing business because of the inaccurate data on XXXX.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NH)

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 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (LA)

XX/XX/year> RE : Dispute of Collection Account Dear Sir or Madam, I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : Exeter Fin Account Number : XXXX This collection account is inaccurate because the collection agency, Exeter Fin has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Due to these violations, I request that you investigate this matter and remove the inaccurate collection account from my credit report. 

Please inform me of the results of your investigation within 15 days of this letter 's receipt. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (CA)

Experian credit reporting is putting in accurate information on my credit report, I received new information on my credit report and it is filled with inaccurate information that does not belong to me, please remove this false information.
Consumer complaint received 2024-04-09
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. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (MS)

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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (ID)

I have disputed the same accounts many times to request to be removed cause I don't have access to them or don't use the accounts anymore and nothing is removed or deleted except for they change dates on them or up date the accounts to remain them to stay on longer they don't not do their. Jobs right except for changing dates or inaccurate info they put on the accounts I want the accounts I don't use to be removed
Consumer complaint received 2023-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I was mailed an offer. I signed in and accepted the offer. I provided all and any information to them to identify myself. They signed into my bank account and have all my personal information and still denied me saying they couldnt identify me. They asked some very personal questions and asked for very sensitive information. Why am I reporting them? Because they are phishing through usps and through the web. I got mine through the usps. They are telling people they are approved, make you jump through hoops then deny you for the reason they cant identify me. This has happened to plenty of people. Im reading it in the XXXX  site. Ive left a complaint due to them denying returning nor destroying any of my personal information. Its obvious they are stealing information for their personal gain. When is something going to be done about this criminal organization?
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MA)

I contacted the company multiple times on why my balance hasn't been updated. They claimed that they report the balance on a monthly basis but the same balance has been reported for months. I even tried disputing the balance as well and no changes where made. Im not sure if im doing something wrong but I dont feel like it should still reflect that I have $ XXXX in student loans when the balance is only about $ XXXX which is a big difference. I provided a file of all the payments that were made leading getting to what the balance is almost at as the 3rd file provides the most up to date balance as of XX/XX/.
Consumer complaint received 2024-04-09
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-12-01
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. (CO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
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. (GA)

I am the victim of identity theft. And the items on my credit report list. in my identity theft report from the Federal Trade Commission do not belong to me. Included with this complaint is a copy of my identity theft report. Along with ID.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 2018-08-15
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: Experian Information Solutions Inc. (MD)

Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, XXXX, and know Experian.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX  XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.