davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently reviewed my credit report and have noticed that XXXX XXXX, Transunion and XXXX report false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by XXXX and Transunion ). I am requesting the complete removal of the negative tradeline from my report, as result to multiple FCRA compliance violations that these institutions engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

XXXX XXXX reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet XXXX XXXX falsely reported the account as a late payment and charge off for XXXX of XXXX. 

I disputed the inaccuracies to XXXX XXXX and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

XXXX XXXX lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have just presented.
Consumer complaint received 2021-05-16
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2016-07-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brock & Scott, PLLC (VA)

I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (CA)

had 2 yrs internet contract with XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX, more than 2 yrs. At XX/XX/XXXX midnight service disconnected, ps notification. Received box 2 weeks after to return equipment, i sent modem and accessories, ps XXXX tracking on receipt XX/XX/XXXX they received XX/XX/XXXX. They told me to climb to the roof to remove their dish and send them a piece with instruction how to use tools to remove. I told them they must come to take it as they did in my 1st contract. I do not know how to do and have no idea. XX/XX/XXXX they created a new account number XXXX from the original and took {$270.00} stating that it is a service from XX/XX/XXXX to XX/XX/XXXX while i have no service since XX/XX/XXXX midnight. My service account number had always been XXXX ps documents. 
All my payments were automatic, my contract amount for unlimited internet {$150.00} but they charged {$160.00} they said it is modem fee, it is impossible to use another modem which is wrong. They seldom charge even that amount, ps my final bill {$160.00}, my bills vary {$160.00} and {$180.00}. Every time i complaint, they said it is only for one time due to some issues, but never. After they took {$270.00} on XX/XX/XXXX they tried again a week after to take again another {$270.00} ps notice, likely i blocked them, that transaction failed. I asked them while they are doing that, they said i have to send them the satellite equipment. Finally i had to find someone on my own to remove that on the roof. I sent them XX/XX/XXXX and they received XX/XX/XXXX. I called them last week, they said it takes 10 business days to process the refund. Surprinsingly i found again a collection letter XX/XX/XXXX for {$270.00} plus fees. We are in a country a law. My question how a company can just create an amount to rip off clients with no evidence. They owe me that amount, i filed with XXXX XXXX XXXX for unauthorized charge because i have no bill. I ended up finding someone for that satellite issue to remove and sent equipment, ps XXXX tracking for reception XX/XX/XXXX, we agreed on refund, now they want to destroy me because i files complaints against them. This is something i have ever seen i n 30 yrs of business experience. I need help. They are 2 XXXX tracking receipts, ask to explain how i get the internet and how within 3 weeks someone can get a collection letter.
Consumer complaint received 2021-05-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I asked for method of verification for an invalid collection account reporting to my account. They did not give me a method of verification within 30 days of this request.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-08
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Experian is reporting the following items inaccurately. Can someone please look into this. Thank You XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My name is XXXX XXXX and I have a credit accounts with Bank of America. Since 2018 I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX  XXXX for XXXX and finally at the XXXX XXXX XXXX they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the XXXX of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am deaf and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC. (AL)

I sent letters to company requesting validation of the debt on the  XXXX  accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.
Consumer complaint received 2023-08-09
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)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (WA)

In XX/XX/2021, the company electronically withdrew 2 payments ( {$4500.00} ) directly from my bank account, but credited only one payment ( {$2300.00} ) to me. It has been over 90 days since. I spent several hours on the phone with their representatives, who are only able to take messages, or report back to me the ( non ) status, none of them are able to actually issue the refund themselves. I escalated the issue all the way to their main complaint line who first asked for an additional 30 days to investigate. They have now gone past 30 days, the latest is they can only offer an indefinite ETA which to me means they have eaten up my money. As a customer, it is unacceptable that a mortgage company have accounting systems so poor that it should take over 90 days to trace customers funds.
Consumer complaint received 2021-05-17
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. (MD)

I am a victim of identity theft and I have submitted notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX  IS INCORRECTLY REPORTING LOWES BY SYNCB IS MISSING PAYMENTS. THIS ACCOUNT WAS SETTLED. The bank tried to collect additional funds. This account was settled. Why does XXXX XXXX  continue to fraudulent report the account is not paid.
Consumer complaint received 2021-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted XXXX  and Experian about the hippa violation and the failed to remove the collection from my report.
Consumer complaint received 2021-05-17
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. (GA)

I wrote to transunion more than once requesting that they provide me the the method that they used to verify certain items on my credit report. They have fail to reply in a timely fashion and when they did reply they failed to address the issue I noted in my request. They stated that they will not reinvestigate my dispute but I didnt dispute anything. I asked for the METHOD OF VERIFICATION.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX on XXXX/XXXX/2015 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NIC, Inc. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Nemo 's Collection on XX/XX/2021 and I have no recollection of doing any business with Nemo 's Collection. I am in the process of contacting Nemo 's Collection but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.
Consumer complaint received 2021-05-17
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.