davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (VA)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account 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. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, Equifax, and XXXX. First Flaw is the Date account opened which differs from the Equifax and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between XXXX and XXXX ( {$2300.00} ) from the Equifax Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Equifax report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the XXXX and Equifax ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Equifax report ( XX/XX/XXXX ). 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 an 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. 
I have tried to communicate to the companies involved through the XXXX  otherwise known as the XXXX XXXX XXXX  and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.
Consumer complaint received 2023-01-02
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. (NJ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. 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 get corrected or removed 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 XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
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. (MO)

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 2023-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (OK)

XXXX  do not have any contracts with this company. They have stolen my identity. 

Please provide a contract, novation agreement between me and this third party debt collector company, or any contract with this third party debt buyer. 

Please provide your w9 tax information, this is a taxable event and your EIN is required for my accountant to report this to the IRS. 

Please provide full disclosure of the name of who created this account on our behalf of us without permission. 

Please provide full disclosure of the fiduciary capacity You are causing undue stress to us, by this breach of my privacy under FDCPA, FCRA.
Consumer complaint received 2023-01-02
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. (SC)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX po box XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-07
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again {$440.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-01-02
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. (MI)

This is my fourth 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 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-01-02
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. (MI)

This is my fourth 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 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-02
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. (MN)

The following credit inquiry currently listed on my XXXX credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-07-05
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. (OH)

I was applying for a loan to buy a car and the company contacted equifax for my credit rating. I was unable to buy the car because of problems on my equifax report but I did not know at the time that Equifax had refused to " accept your obligation if the transaction was completed. '' I did not notice this until I received a report from XXXX XXXX. I was shocked to find in the report " Too few accounts currently paid as agreed. '' The latter baffled me because I have consistently paid my credit card bills on time, and for the most part I pay off my balances monthly and my credit score on their report was XXXX. 

I called Equifax to try to get more information and was told that " too few accounts currently paid as agreed '' no longer showed up on my credit report. The person I spoke advised that I could pay {$20.00}. per month to get credit reports so I could monitor and respond regularly to my credit report. I declined the opportunity to pay the credit agency to make my reports accurate.
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Debt was originally owned by XXXX XXXX XXXX. It was opened on XXXX XXXX and closed on XXXX XXXX XXXX. A new debt collector picked it up and said the original debt was opened XX/XX/XXXX. Now I have no way of getting rid of the original debt after 7 years because this new collector won't acknowledge my attempts to dispute.
Consumer complaint received 2023-01-02
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. (PA)

My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXX CARD SERVICES, XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A fraudulent account was opened in my name in XXXX XXXX capitol one. This was identity theft. I sent in previous documents reported to law enforcement and capitol one removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the capitol one representative on a recorded line and Iwould like this fraudulent account removed.
Consumer complaint received 2023-01-02
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. (PA)

My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXX CARD SERVICES, XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello My name is XXXX XXXX, I lost My Bank of America credit card in XXXX, Someone used my credit card, in XXXX, Fraud I disputed the charges which I didnt make but month later bank Bank of America told me Im responsible for that charges which I dont recognize that charges. 
Please help me Thank you
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
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. (SC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have been a public service employee for over 13 years ; as such, I qualify for PSLF and PSLF ( temporary waiver ). 

My employer ( government agency ), signed the necessary paperwork for my PSLF and PSalF ( temporary waiver ).

However, I received a letter from Mohela ( Lon service ), indicating several items are missing from my application, including a valid signature from my employer.

My employer and I both signed the documents via PDF. 

I feel Mohela is giving me the run around and my employer does not have time to keep fixing Mohelas ridiculous requests.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has screwed up my credit. When I called I talked to " XXXX '' in XXXX, I asked to speak to supervisor and was transferred to " XXXX '' in Pennsylvania who immediately hung up on me. They do not answer questions or try to deal with issue. the people in XXXX can not even understand English. Due to their incompetence I can not find a place to live. They need to be shutdown and never allowed to have any influence on anyone 's life. My report is wrong and they do not care what so ever about correcting it. If something is not done immediately my next letter will be to Mr trump ( who is a family friend ) I am not messing around they are rude and incompetent.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquirieXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXX
Consumer complaint received 2023-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

I sent dispute letters to XXXX, XXXX, and XXXX for Midland Credit Management, they were delivered on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX In XXXX I was served paperwork stating I owed allegedl debt and I have a court date for XXXX XXXX XXXX. I was confused on how Midland was serving me on alleged debt that I never signed an original contract with and how did they get my address, I never had contact with anyone. I also assumed the court date was fraudulent because me and my partner tried to case search myself and no trial date appeared and then oXXXX XXXX XXXX XXXX XXXXXXXX deleted Midland of my credit report. I received a letter in the mail from the court house saying there is a judgment against me from Midand on XX/XX/ but I still havent received a original contract that I signed with them.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/XXXX, American Express executive offices was contacted regarding overpayment on my account. The account holder informed the executive office representative that during the time frame of XX/XX/XXXX through XX/XX/XXXX, an overpayment to American Express was made totaling {$16000.00}. The cardholder attempted to resolve this issue on numerous occasions with American Express customer service, but to date nothing has been resolved, despite ( 2 ) investigations by American Express. A demand letter was sent to American Express on my behalf to their legal department referencing my rights under CA Civil Code law. There was no response directly from the legal department. In fact, the demand letter was sent back to customer service/ executive offices - the same office that did not resolve the issue in the first place. American Express first stated that if I was refunded it would adversely affect the " primary '' account holder. I was told to call the 800 number on the back of the card for my refund. I called the 800 number and was taken back to square one. This of course did not resolve matters. 
Additionally, my response following my demand letter stated that the " primary '' cardholder is response for reconciling the account and not American Express. I was called a second time after the first response to the demand letter and told to contact my bank and ask for a recall of funds. This did not make sense to me. At this point, I am reaching out to the Consumer Financial Protection Bureau for assistance.
Consumer complaint received 2022-11-18
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. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.