davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
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: Experian Information Solutions Inc. (FL)

I got a notice ( not the first time ) from XXXX that Experian has lowered my credit rating again. I called customer support twice and went on the Experian website multiple times to ask why but they wont say why. I am not late with any payments. In fact, I have no debt. Experian flat out wont answer why they have repeatedly lowered my credit rating. I have gone from over XXXX to low XXXX but no one will explain why. Are they discriminating because I am retired, turned XXXX, and have no debt? They wont tell me.
Consumer complaint received 2022-10-18
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. (IL)

XXXX XXXX I obtained a copy of my report I noticed there were several inquiries on my report that I did not recognize nor authorized. I called XXXX, Transunion, and XXXX regarding this matter I explained to the customer service rep I had lost my wallet in which I think I laid it down in the store I went back to the store 10 minutes later it was no longer there and had not been turned in this was back the beginning of XX/XX/2022. I was instructed by all 3 companies to put a fraud alert on my credit account and they would remove the inquiries in 30 days. Ive been checking every month to see if they have been removed and as of todays date the unauthorized inquiries are still being reported.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is reporting on all three of my credit files and the information on each report XXXX has a different amount owed, account number and also a different open date. I have reached out to the company asking for proof of this account and they will not respond with proof that thy have took the steps to complete this item and verify its accuracy.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I have asked Equifax to personally remove these unauthorized inquires a numerous amount of times but they will not comply. I take this very seriously and have been left no choice but to file an identity theft report with FTC and the XXXX. by law these unauthorized inquires need to be deleted immediately.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (VA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

My name is XXXX XXXX. I have a problem with a collection agency called Amsher Collection Services that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a active member of the military I feel this is wrong and I need it fixed please is hurting my credit.
Consumer complaint received 2022-10-18
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. (AR)

I previously sent a dispute letter to the Credit Bureaus and I immediately noticed that the Credit bureaus have done nothing! On XX/XX/2022, I sent a letter to the Credit Bureaus requesting that they remove the items which I believe to be opened due to identity theft, after seeing that there are still fraudulent accounts and information being reported on my Credit File despite the numerous dispute letters and CFPB complaint I have been submitting. I believe I was a victim of Identity theft since the accounts that I have been disputing were not familiar to me neither did I authorized anyone to open these accounts on my behalf. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are expected to remove any accounts and information that resulted due to identity theft within the time allotted by law. It is unforgivable for the Credit Bureaus to be ignoring a consumer 's request to remove the disputed accounts from her Credit File. I am submitting this CFPB complaint to let the Credit Bureaus know that me and my legal counsel is willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with a Federal law causing a consumer to suffer from inaccurate information reporting on my Credit File. I also asked the Credit Bureaus to provide me copies of proof of verification since the Credit Bureaus have been claiming that the disputed items are verified and yet they have sent me nothing. I have reached the peak of my patience and this will be my last CFPB complaint before I will take legal actions against the Credit Bureaus. Once again, I am requesting to the Credit Bureaus to remove the following items in which I believe to be opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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. (NE)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed account and remove it if unable to prove that the account is mine. Transunion is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged account. I also reached out to the company and they agreed to delete the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

The incident happened today XXXX/XXXX/2021. I tried to file a dispute with Experian and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to Experian was about XXXX  : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
XXXX  is not providing correct information to credit reporting agencies and is messing up my credit score. Experian did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have been requesting to the Credit Reporting Agencies to correct the disputed accounts reporting erroneous information on my Credit Report. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and correction of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following accounts : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, must be corrected and or deleted to reflect accurate information on my Credit File.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been requesting to the Credit Reporting Agencies to correct the disputed accounts reporting erroneous information on my Credit Report. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and correction of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following accounts : XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, must be corrected and or deleted to reflect accurate information on my Credit File.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-12-08
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. (VA)

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX . THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

I paid this account in full XX/XX/2023. The creditor sent over a payment history with proof of payment but refuse to remove the account from my credit. I had a balance of XXXX, and I paid XXXX XX/XX/2023. They also sent over a credit report page that shows a {$0.00} balance but yet will not remove from my credit. It appears on my credit as if i still owe this company and I do not.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (VA)

I filed a dispute with 1 consumer reporting agency on XXXX XXXX ( Equifax ) .The consumer reporting agency validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB Equifax still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from XXXX  XXXX.I called the CFPB and asked how could this debt be validated.Then the representative told me that companies don't have to show any proof and just send it back validated with no proof of an investigation. 1592 U.S.C 1692e Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a company must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agency they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.XXXX XXXX acct XXXX XXXX on Equifax consumer reporting agency.I have copies of everything below.I even asked the representative to send me a copy of all transactions they said it would be XXXX XXXX per page charge.
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (TX)

I do not understand how to pay XXXX by XX/XX/XXXX I need help, the personal does not help me at all They say You have to pay That money, period. 
I do not want to lose my car
Consumer complaint received 2022-10-18
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I received a copy of my credit report. To my surprise, the Credit Agencies were reporting these 3 accounts incorrectly : 1. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. 2XXXX XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. 3. XXXX XXXX XXXX with an open past due balance of {$740.00} reporting. I mailed a letter off to each of them on XX/XX/2024 stating pretty much what I stated here. These are collection accounts that are reporting not only as OPEN, but also shows past due balances. 

According to the FCRA, I have the right to an accurate credit report. I sent in letters and the problem wasn't resolved.