davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Falls Collection Service Inc. (IL)

OnXX/XX/XXXX I received a letter datedXX/XX/XXXX from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt for original account holder XXXX XXXX in the amount of {$190.00}. They stated to respond within 30 days if I wanted to dispute the debt. On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX which was received by them onXX/XX/XXXX disputing owing XXXX XXXX XXXX any debt and stating to them to please send me any proof or whatever they can in writing showing that I owe any debt to their company. This dispute was done well within the 30 day time frame. I never received a response back to my dispute letter. Approximately 2 weeks later I noticed that XXXX XXXX XXXX had reported the collection to all 3 credit bureaus. OnXX/XX/XXXXI sent another certified letter to XXXX XXXX XXXX which I have attached a copy of requesting immediate deletion removal from all 3 credit bureaus which they have not responded too. After contacting XXXX XXXX directly I was able to obtain proof of the amount owed to XXXX XXXX and have paid the amount owed ( {$190.00} ) to them in full. The collection agency refuses to have the collection deleted off of my 3 credit bureau reports.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX CT XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (CA)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate.

Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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: EQUIFAX, INC. (WA)

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. XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-03-26
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. (PA)

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
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. (TX)

XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IL)

When I received the initial call, I asked the agent to stop calling me as I have no debt with the debtor XXXX XXXX ). After that, I received a call from a very deep voiced gentleman. He asked me my name and when I said yes, he hung up on me. He called back at least XXXX more times that particular day. Since then, I get multiple calls from this number and another number starting with XXXX. Most of them I allow to go to voicemail. I already know he 's going to hang up when I answer. I feel as though I am being harassed and I want it to stop.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Thanks to cfpb, XXXX is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. 
I have been making the payments, but XXXX has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. 
I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. 
This was not in her job title. 
I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? 
Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. 
The Woolsey fire has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

I had recent issues with Chase Bank on a few situations where I would consider major violations for mistrust by a bank, where they use an alias saving account to keep my direct deposit issued on XX/XX/XXXX in the amount of {$840.00} to pay off an claim I had filed on XX/XX/XXXX. I had an bank credit of {$680.00} left in checking account ending in either XXXX or XXXX where it was never send to me in a cashier check. I was told on a few occasions that a cashier check will be send to me and I was even given dates like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that a cashier check was send in the mail for the amount {$680.00} and changes was being sent to me, which it was never sent back me. Chase bank continue to lie to me about these funds. Chase bank lied to me about my direct deposit being rejected on XX/XX/XXXX in amount of {$840.00} and sent back to my employer within 24 hours. I had a called from an executive from Chase Bank on my 1st complaint two week ago which she mention that she would response and refund my funds owed to me. On all these occasions Chase bank continue lying to me and take advantage of their high power cooperation over people like me. Their response to these complaints is an automatic answer by continuing saying, " I'm sorry '' on the phone but not really caring about you as person of not being to pay your bills or being homeless by them taking a person hard earn paycheck though a violation on their part. They took my funds illegally and continue to lie to me.
Consumer complaint received 2023-01-27
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. (WA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please Delete. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-22
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, 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. (MI)

I believe my information might have got into the wrong hands and I do not recognize this inquiry or account I dont have anything with XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (NC)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Consumer complaint received 2020-02-10
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. (FL)

Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.
Consumer complaint received 2023-06-17
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. (NC)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did notconsent to, authorize nor benefit from any of the following inquiries block and remove them. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.