davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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)

This is my NUMEROUS 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 items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

a auto loan was opened through capital one without my knowledge in my name for {$26000.00} on XX/XX/2018. i called called capital one and asked for it to be removed from my credit report when i found out about it but they did nothing so i filed a claim with the FTC ref number XXXX and am asking for it to be removed
Consumer complaint received 2022-11-23
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (DE)

I am writing to follow up on my recent dispute regarding unauthorized inquiries on my credit report. I appreciate the prompt action taken to remove 11 of the inquiries that I identified as unauthorized. However, I am deeply concerned that two inquiries remain on my report despite being included in my initial dispute.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

In 2022, I was contacted by a collection agency on behalf of XXXX XXXX XXXX. I was informed its located in XXXX XXXX ; I was being contacted in-regards to a debt for there client The balance owed was a little over {$5000.00} dollars I told the rep I had never lived at XXXX XXXX ; On my credit report its reflecting the start date was XX/XX/2022 I was living in North Dakota at the time and I have my lease to prove I signed my new lease XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX ND  They requested for me to send it along with a notarized affidavit they've stated they haven't received it as of yet.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I previously disputed this account XXXX XXXX  Account # XXXX Amount : {$140.00} on XX/XX/year> ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX. ID # XXXX on XX/XX/year> at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Our payment for XX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on theXX/XX/XXXX was paid on XX/XX/XXXX ( 8 days past due ) and XX/XX/XXXX payment was due on theXX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for ourXX/XX/XXXX account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

After reviewing my credit report on both XXXX and XXXX i noticed that there is a collection from XXXX / Convergent Outsourcing. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, Convergent Outsourcing. 
Date : XX/XX/2019 Amount : XXXX
Consumer complaint received 2023-05-06
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. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-03-05
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-15
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Summit A*R, Inc. (FL)

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It is evident that these accounts and information should not be included in my consumer report, as their presence constitutes a direct violation of both the FDCPA and FCRA. I insist on their prompt deletion and removal from my consumer report to rectify this violation of multiple laws. Kindly take immediate action to remove these accounts and information without delay.
Consumer complaint received 2024-03-05
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. (CO)

Re : Dispute of Account Information - XXXX XXXX Account Number : XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to formally dispute the information on my credit report regarding the XXXX XXXX account, Account Number : XXXX. After reviewing my credit reports from XXXX and Experian, I have identified several discrepancies that require your urgent attention. 

XXXX. **Account Type Discrepancy : ** - XXXX XXXX the account as a " Flexible spending credit card. '' - Experian reports the account as a " Credit Card. '' This inconsistency raises concerns about the accuracy of the information reported by XXXX XXXX and it is crucial to clarify the correct account type. 

XXXX. **Date Opened Discrepancy : ** - XXXX XXXX the date opened as XX/XX/XXXX. 
- Experian reports the date opened as XX/XX/XXXX. 
XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened indicate a lack of uniformity in reporting, which is essential for maintaining the integrity of credit reports. 

XXXX. **Payment Status Discrepancy : ** - XXXX reports the account as " Late 120 Days. '' - Experian reports the account as " Late 150 Days. '' -THE ACCOUTN IS MISSING FROM THE XXXX REPORT The differing late payment statuses on the same account for both credit bureaus create confusion and could have a significant impact on my credit score. 

XXXX. **Date of Last Activity Discrepancy : ** - XXXX reports the date of last activity as XX/XX/XXXX. 
- Experian reports the date of last activity as XX/XX/XXXX. 
XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistency in the reported date of the last activity on the account further raises questions about the accuracy of the information. 

Considering these discrepancies, I request a thorough investigation into the accuracy of the XXXX XXXX account information. I kindly ask that you update or delete the information on my Experian report accordingly. 

I appreciate your prompt attention to this matter and look forward to receiving an update on the investigation within the required time frame. 

Sincerely,
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and equifax are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX XXXX XXXX, the Wells Fargo bank, and I had problems with the amount of debt I had with my credit card and my personal line of credit, where I called for help and they clarified my doubts, They only threatened me to pay my debts, after reaching an agreement, and paying my debt ... of more than {$10000.00}, after 2 months, they charged me again for more money, which I could not pay ... and they pushed me away to give me bankruptcy ... ruining my credit and my economic and mental well-being, due to so much stress that they caused me...
Consumer complaint received 2023-05-10
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
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. (CO)

Re : Dispute of Account Information - XXXX, Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute the information on my credit reports regarding the XXXX account, Account Number : XXXX. After careful review of my credit reports from XXXX and Experian, I have identified significant discrepancies that need to be addressed urgently to ensure the accuracy of my credit information. 

XXXX. **Date Opened Discrepancy : ** - XXXX reports the date opened as XX/XX/2019. 
- Experian reports the date opened as XX/XX/2019. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened raise concerns about the consistency and accuracy of the reported information. 

XXXX. **Monthly Payment Discrepancy : ** - XXXX reports a monthly payment of {$190.00}. 
- Experian reports a monthly payment of {$190.00}. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT Discrepancies in the reported monthly payment amounts suggest a lack of uniformity in the data provided by XXXX XXXX which may impact my credit profile. 

XXXX. **Balance Discrepancy : ** - XXXX reports a balance of {$8200.00}. 
- Experian reports a balance of {$8300.00}. 
-THE ACCOUNT IS MISSING FROM THE XXXX REPORT The inconsistent reporting of the balance on the same account raises questions about the accuracy of the information provided by XXXX XXXX 

XXXX. **Payment Status Discrepancy : ** - XXXX reports the account as " Late 120 Days. '' - Experian reports the account as " Late 150 Days. '' -THE ACCOUNT IS MISSING FROM THE XXXX REPORT The conflicting late payment statuses on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX account information from Experian. I kindly ask that you delete and block the information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the required time frame. 

Sincerely,
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (NV)

There ar e   XXXX   a ccounts left with Central Financial Control.  XXXX  for  XXXX  and   XXXX  f or  XXXX .     I was in the hospital   XXXX   XXXX   to my eldest son when these debts would have occurred. Being a  military  wife, and my son being the son of  a service member,  was covered under  XXXX . I was admitted under emergency circumstances and did not know the   XXXX   information. My husband had to get off work ( still in his  military uniform )  to come to the hospital. It was clear we were  military and  were not ask for our billing information again until we left, which we left our  XXXX  information with the lady that came in as we were packing up to leave.     We never received a bill from the hospital.     When I contacted Central Financial Control about a bill for {$1000 .00} ( approx ), it was   deleted. BUT the company NEVER said why in the letter. I had to call to which a representative spent abo ut 15 minute s having to read to find out why.     It was deleted because NO ONE ATTEMPTED TO SUBMIT TO MY INSURANCE.     I thought ok, well it is now almost 6 years past the time and I can not resubmit as my husband is now no longer  XXXX   XXXX , that should mean the oth er   XXXX   accou nts ( {$70.00} and {$8200. 00} ) should bot h also be deleted.     I got a letter back today stating that I still owe and that no informatoin was provided. It w as a military town,  every nurse in my  XXXX  room saw my husband and I have photos to prove it. I have NO PROBLEM sending my husband  's military records to prove we had insurance at the time.      Furthermore, i f one bill had never been attempted to be submitted, why would the other   XXXX   have been?      It is not my fault if the billing agent at the time of my discharge did not file the paperwork my husband filled out and thus properly charged  XXXX .
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2024 to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX