davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (CA)

I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit.Please remove the inaccurate adresses, and fraudulent account.
Consumer complaint received 2023-10-06
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. (PA)

Ive been trying to notify these credit bureaus several times to take a look at these accounts and re-examine or investigate them because I dont think that it is fair and right for them to just furnish such information without my knowledge knowing that all of these accounts doesnt provide any complete accuracy at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03
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. (NC)

Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I received a credit notification of this company called CAPIO PARTNERS and XXXX  XXXX as the original biller for the total amount of {$4600.00}. I know this total to be incorrect, so I contacted XXXX  XXXX, which is now XXXX, and they confirmed the balance I have is {$2600.00} and it is not in collections because its for recent procedures that occurred in XXXX - XXXX and are still waiting on insurance processing. I contacted Capio and explained to them what XXXX told me and they refuse to send me proof of what they are billing. They are on all 3 credit reports of mine
Consumer complaint received 2023-10-06
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)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only received your system-generated letter in a mail from XXXX, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.
Consumer complaint received 2023-10-06
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. (NY)

The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received your system-generated letter in a mail from TransUnion, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.
Consumer complaint received 2023-10-06
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. (GA)

I am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXX } XXXX XXXXXXXX - XXXX { Date Opened : XXXX XXXX } XXXX XXXX XXXX  - XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on TransUnions side, yet Experian and XXXX report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come XXXX has reported the account current and other credit bureaus has incoherent information?
Consumer complaint received 2023-10-06
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. (MD)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX XXXX You are in direct violation of the fair credit reporting act. Capital one has violated several of my rights.. 15 USC 1681 section 602A clearly states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 US C 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. remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-10-06
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. (TX)

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 2023-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (OK)

I transferred {$240.00} from my checking account in USA to my mobile wallet in XXXX to pay hospital bill. I received a response that my transaction was complete and that they confirmed money already in my wallet. I proceeded to pay only to realize transfer delivery was not effected. I contacted them and they promised to fix the issue in 24 hours. Then came 3 business days, then now 24 hours and a week down the line. They are no longer giving any new information but telling me to continue waiting. I suspect fraud.
Consumer complaint received 2023-09-18
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-09-20
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. (MA)

XXXX XXXX XXXX XXXX XXXX  of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.
Consumer complaint received 2023-10-06
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. (PA)

Ive been trying to notify these credit bureaus several times to take a look at these accounts and re-examine or investigate them because I dont think that it is fair and right for them to just furnish such information without my knowledge knowing that all of these accounts doesnt provide any complete accuracy at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

On XX/XX/2023 my debit card information was used fraudulently to pay for a hotel room. The charge was for {$460.00}. I filed a dispute. Was issued a provisional credit for the amount. Now the bank has reversed the credit, and tell me to contact the merchant. The merchant is telling me to contact the bank.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XX/XX/XXXX {$320.00} they later sent a check back in XX/XX/XXXX and requested a new consolidation wanting {$1600.00} and {$610.00} a month onXX/XX/XXXX and additional for XX/XX/XXXX payment when i was already paying {$320.00} a month the money was going to XXXX XXXX XXXX   company who has changed their name to mr. cooper XXXX XXXX XXXX and XXXX XXXX was responsible for this account my question is how my property reached the foreclosure status when i made my payment promply of {$320.00} each month after the property reached foreclosure my attorney XXXX XXXX charged me and my wife {$2500.00} to handle the foreclosure he advised us to file a temporary bankruptcy and we did later on the mortage company came back with a consolidation fee approved for {$1600.00} to be paid on XX/XX/XXXX and an additional {$610.00} and XX/XX/XXXX. payment due onthe third for {$610.00} how can this be when i was already making payments at {$320.00} a month where did the payments for XX/XX/XXXX and XX/XX/XXXX go this is unfair to me please help me with this situation thank you and God bless
Consumer complaint received 2023-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (TN)

I have a issue with Skrill. They are holding my funds and barley communicating with me. My account is restricted and has been for almost a week now. I received 1 email from them stating it would take several days. My account has over {$200.00} that I can't access. I have sent countless of emails begging for someone to atleast respond to me. The XXXX  number is bogus and unavailable with the same recording Everytime anyone calls. The chat bot is a joke and give generic information which is no help. This started on the XXXXXXXX XXXX XXXXXXXX. I have a medical condition and need to buy my XXXX that I haven't had since the XXXX. I don't want to go to the XXXX to get XXXX. I need access to MY funds that they are holding and will not remove the restriction. I have called the XXXX  for there region as well. I'm afraid due to the weekend is approaching and I have zero access to my money
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

XX/XX/XXXX Credit Management LP placed a collection ion my credit report from XXXX for ~ {$150.00} Credit Management LP has never contacted me about this assumed debt. Credit Management LP has never validated this claim. 

Credit Management LP recklessness is jeopardizing my employment- which requires employer to not owe debt. 

From research I found Credit Management guilty of mismanagement - I believe the company is repeating those same tactics. The company doesnt have a business license in my state I ask that this erroneous claim be removed asap!
Consumer complaint received 2023-10-06
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. (PA)

Ive been trying to notify these credit bureaus several times to take a look at these accounts and re-examine or investigate them because I dont think that it is fair and right for them to just furnish such information without my knowledge knowing that all of these accounts doesnt provide any complete accuracy at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-06-20
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)

Consider this as my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference # : XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax twice to dispute the inaccurate bankruptcy they are reporting on my account. Each time their response said the account was verified. I took it upon myself to reach out to the courts that it reporting the bankruptcy. They told me that they have not verified any information with the credit bureaus. So clearly Equifax never conducted a PROPER investigation. This also explains why they are still reporting inaccurate information.
Consumer complaint received 2023-10-06
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )