davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I was closing on a property on XX/XX/2018. On XX/XX/XXXX I requested a wire be sent from my account at HSBC. On XX/XX/XXXX, my account was charged. The money was never received by the escrow agent. I had to take an emergency overnight margin loan to cover the {$170000.00} that was transferred out of my account. I've been in contact with the HSBC Premier Representative and Branch Manager who have been very uncooperative. Its been 9 days and I am still missing the funds. I almost lost the purchase of the house, which I would have, had I not been able to obtain emergency funds from other sources.
Consumer complaint received 2023-09-13
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. (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 2022-12-23
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance XXXX {$540000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

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.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (CO)

I am writing to formally contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, I have identified the some inaccuracies. 

See attached letters for the details :
Consumer complaint received 2023-09-13
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. (CA)

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
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. (NY)

I am a victim of identity theft, Ive notified the police dept in my county, filed a police report, circled the items that are fraud on my report sent my info drivers lic. 605b of the fcra to equifax numerous times all certified return receipts which I have, and they have refused to remove items from my report within the 4 business days they are allotted by law, these items have destroyed my credit stopping from getting loans, cars and employment over the last 6 plus months I want these things removed at once ... they have poposidly refused to remove fraud from my report I want them removed immediately or I will go to federal court to sue this company.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

Commonweath financial systems is the creditor is there saying that there is a dead from XX/XX/17. This is the first time I ever heard of this debt seven years later and they want to collect {$1300.00}. They have no proof that this is my debt I have asked for something with my signature on it and they can not provide me anything. All they wan na do is collect his death. This is a fraudulent debt by this company. I know other people that have gotten letters from this company demanding payment on a debt that doesnt exist.
Consumer complaint received 2020-03-14
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 RECENTLY PULLED A XXXX  CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).
Consumer complaint received 2023-09-13
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. (VA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (NY)

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 2022-12-19
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. (NY)

I been disputing an XXXX XXXX XXXX for 5 months and I was told each time it would be removed and I have to wait 90 days. I reached out to Transunion 16 times and XXXX 50 times. There representatives are rude and lie about things. I received a letter XX/XX/XXXX a request to remove the inquiry of my account and recover any points that were lost for the inquiry. I sent it to Transunion and I still have this inquiry on my report. The inquiry was made on XX/XX/2022 and I am still reaching out to get it removed. I attached the letter sent by XXXX also.
Consumer complaint received 2023-07-11
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$13000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance XXXX : {$17000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Accounts still remaining in question as of XX/XX/XXXX that do not belong to me : Equifax : -Diversified XXXX XXXX XXXX balance {$830.00} -Professional debt Me-Open medical balance {$690.00} -credit score incorrectly lowered on XX/XX/XXXX by XXXX points when no accounts were removed or added to credit profile. 

-Please remove all addresses and contact numbers incorrectly reported. Previously provided correct address and contact number Transunion- XXXX XXXX XXXX Open balance {$830.00} XXXX XXXXXXXX Open balance {$410.00} Hard Inquiry-XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX XXXXXXXX XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX- {$250.00} XXXX XXXX- {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXXCurrent and only phone number delete all others. 

Also requested an annual copy of my credit report and was denied a copy. Please mail XXXX : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXX Experian- Professional medical debt/Collection account- {$690.00} XXXX XXXX  XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX- {$230.00} XXXX XXXX XXXX Name XXXX XXXX XXXX ID XXXX : XXXX XXXX Name XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX Name ID XXXX XXXX XXXX Address ID : XXXX XXXX XXXX addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXXCurrent and only phone number delete all others. 

XXXX : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXX
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (VA)

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 XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3500.00}
Consumer complaint received 2024-03-28
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. (TX)

Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectified.
Consumer complaint received 2022-12-02
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. (NH)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$760.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00}, XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XXXX XXXX, XXXX, High Balance {$76.00} ), XXXX XXXX  XXXX. ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$850.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-13
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. (MS)

I am writing to bring to your attention a matter of utmost importance regarding the information contained in my consumer credit report, which I believe is in violation of 15 USC 1681A. This federal statute outlines the definitions of terms used in the context of consumer reporting agencies, and I wish to draw your attention to a specific section. 

According to 15 USC 1681A, Section 1681a ( d ) ( 1 ) ( A ) ( i ) states : " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' It has come to my attention that my consumer credit report maintained by your agency contains information that may be in direct violation of this provision. Specifically, there are items in my credit report that appear to include information that is not solely related to transactions or experiences between myself and the reporting entities. 

I demand that you thoroughly review my credit report in accordance with the aforementioned statute and take the necessary steps to rectify any violations of this provision promptly. I expect that any information not in compliance with 15 USC 1681A will be promptly removed or corrected to ensure compliance with federal law. 

Please provide me with written confirmation of your actions in response to this matter within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). Failure to address this issue within the stipulated time frame may compel me to seek legal remedies available to me under the FCRA. 

I appreciate your immediate attention to this matter and your commitment to ensuring compliance with federal law in all aspects of consumer credit reporting.