davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Experian informed me that they will not allow me to dispute personal information on their website. The online fee-based site discloses this policy and forces me to initiate this dispute via phone or letter. 

Several employees including a XXXX notified me that they will not investigate an item that is legally required to be investigated by them. ( FCRA Sect 611 ) I sent Experian a certified letter on XX/XX/2023, notifying them that they have listed inaccurate information which needs to be immediately removed. I am deeply concerned about identity theft and need this information corrected. My request for an investigation contained copies of my drivers license, social security card and a utility bill confirming my identity. I was previously informed to send this information, which XXXX Postal service has confirmed they received. 

In my letter and during my calls to Experian, I specifically asked them to remove all names, addresses, employment and phone numbers which are inaccurate. I provided them with the correct information. 

Experian has failed to conduct a reasonable independent investigation and will not update my name to reflect my full legal name, XXXX XXXX XXXX even though they have the legal documents to correct this information. They have insisted on keeping an unknown, illegal name on my credit file, with no legal basis or documents to justify this. They have placed my personal identity at risk, opening a door for scammers to use my information. 

I was informed by the dispute and fraud teams that they will not follow the FCRA XXXX, specifically, FCRA 611 ( 15 U.S.C. 1681I ) and investigate due to inaccuracy. Experian has violated the law and my rights by maintaining inaccurate personal information on my credit report, subjecting me to identity theft. 

I demand that they remove the name XXXX XXXX from my file because it is not my legal name and the documents they have support the correct legal name, XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX  XXXX XXXX  ] Account Number : [ XXXX Reason : [ account is closed need late payments remove I'm not responsible of this account info, can I get this off my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ XXXX k ]
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.
Consumer complaint received 2021-01-07
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. (FL)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2022, Regions Bank placed a Freeze on all my Accounts at the request of an Attorney - XXXX XXXX XXXX without a Court Hearing and without an appropriate order from the XXXX XXXX XXXX XXXX XXXX. 

The Court knows Mississippi Civil Procedures have been violated in this process and that's why they are trying to hurry and have hearings violating the 30 day procedural requirement and a sufficient Order given by the Court instead of being written by an Attorney. The Court Hearing was scheduled for XX/XX/2022 for the Freeze. But, the Freeze was placed on the Accounts on XX/XX/2022 before the hearing. And, then tried to do a quick turn around to do another hearing before 30 days on a Summons by a Judge who's under Judicial Performance Review. 

Regions Bank told me I need to go Court and settle this with the Court to remove the freeze initiated and prepared by the Attorney instead of a Court Clerk after a hearing with the Court Seal and Judges Signature. 

The matter at hand is an XXXX  Account with a check written out to me by XXXX XXXX XXXX and deposited into Regions Bank as an XXXX  Account at the request of my Deceased, Sister. 

Regions Bank allowed banking information to be given out on my Accounts according to the Prepared Order, by Attorney XXXX XXXX XXXX and then froze the accounts without a Court Hearing on XX/XX/2022.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of 2020 I put two disputes with the three major consumer reporting companies, trans union, XXXX, XXXX, for accounts XXXX XXXX, and XXXX  XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for trans union deleting XXXX XXXX, but the other agencies didnt respond nor did trans union respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXXXXXX XXXX and XXXX XXXX  from Consumer reports, this is my request that the CFPB so action
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have discovered that XXXX XXXX XXXX XXXX XXXX. That XXXX departments are reporting to the credit bureaus. One in particular is XXXX and I submit proof of the alerts. 
I found that the dispute department at XXXX XXXX XXXX XXXX. They were reporting past due delinquencies on a paid off and closed Auto loan. 
Therefore creating 30 to 59 days past due delinquencies. Some how I disputed this with the loan service department. They modified and updated the error in findings. See Attached Document. 

This account is reporting to TransUnion as 30 days past due. This account also has different last update on XX/XX/2023. XXXX is also reporting not more than XXXX past due payments. Having a different last update of XX/XX/2023. XXXX was still receiving information on a paid off and closed account for XXXX consecutive months. 
Hence the delinquency being my complaint. XXXX reports paid account satisfactorily with know delinquency indicated. 

I have attached the proof of one account reporting twice. At the same XXXX time with conflicting damaging status payment information. Along with that I have attached a confirmation updated information. That was mailed from XXXX informing me of XXXX XXXX XXXX XXXX XXXX results from the dispute. I took the liberty of attaching the account payment History. That clearly shows the closes account was still being reported. After one department closed it out and the other continued to run over into delinquencies of past due late payments. 

Lastly, I file a dispute with the dispute department that's reporting the past due delinquencies after the account was closed in another department within their own company. I ask that this finally resolve this problem I've been disputing for XXXX months. Please fix this problem so that I put this ordeal behind me at last. 

Respectfully XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Over the past several months, fraudsters have tried to open credit accounts in my name with several banks including Bank of America, XXXX, XXXX XXXX, and XXXX. The criminals have access to my identification due to the XXXX data breach that occurred in XXXX. So far, no accounts have been successfully opened. 

Today, a new attempt for credit in my name was made with Bank of America. I received an email stating that an application had been received for an XXXX  XXXX credit card in my name. The reference number given for the application attempt is XXXX. The applicant used my name and social security number, but used a different mailing address. I have requested the bank send the application to me for review. The bank is complying with that request. The sender of the email was identified as : Bank of America XXXX. The email looked legitimate. 

I'm concerned that sooner or later, someone will succeed in opening an account, or will succeed in accessing one of my active or currently closed credit card accounts and start using it as their own. 

I have frozen my credit with all 3 credit unions and have credit monitoring turned on. However, humans make mistakes and/or not all banking staff is honest and I fear that my financial health is significantly at risk for major damage. 

What else can I do to protect myself besides paying significant costs for insurance to protect me from abuse of my identity?
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX
Consumer complaint received 2022-12-09
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. (MD)

Good afternoon, I would like this account XXXXXXXX XXXX # XXXX to be removed/deleted Equifax responded to my dispute and did not remove the account although it is reporting inaccurately. Below are the following inaccuracies/violations They did not add the required notice of dispute, I disputed this account back on XX/XX/2022 and the notice of dispute should have been reported within 30 days.I pulled my credit report on XX/XX/XXXX and the notice has not been reported which is reason for termination alone The Date of last activity is not congruent for XXXX, XXXX and Equifax High balance is not congruent for XXXX, XXXX and Equifax Date of last verified is not congruent for XXXX, XXXX and Equifax Monthly payment - there should not be a monthly payment on a closed account screen shots of these inaccuracies are located below
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXX XXXX XXXX shows I owe XXXX, and that was paid. 
XXXXXXXX XXXX XXXX academy processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX MV Rented from XXXX XXXX in XXXX Alaska scaffolding  XXXX paying in full the rental for a XXXX weeks, {$56.00} Visa ending XXXX. 
A couple of days later I return the scaffolding Charge appears on XXXX XXXX XX/XX/XXXX. XXXX Statement for {$56.00}, Transaction date XX/XX/XXXX. REF # XXXX XXXX / XXXX statement No charge XXXX XXXX Charge {$100.00} XX/XX/XXXX # XXXX {$100.00} XX/XX/XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX TOTAL {$510.00} XX/XX/XXXX. Phone Bank of America to report those unauthorized charges. 
XX/XX/XXXX. Received a letter from Bank of America a claim # XXXX crediting me {$510.00} and explaining the process done by the bank while researching my claim XX/XX/XXXX. Received my new card. 
During the month of XXXX, I called during various day five different phone numbers requesting some information about my claim. 
I wasted countless hours on hold as long as 90 minutes, every time I got transfer to several departments and of course the robots answering my calls were horrendous and not programmed to address my needs. 
XXXX statement Bank of America charged me {$510.00} XX/XX/XXXX. XXXX I received a second denial letter for my claim, ( Quote ) based on the documentation provided by the merchant confirming that I received the merchandise or service. 
I called the phone # written on the denial letter to request the document provided by the merchant justifying B of A to deny my claim. It was the same nightmare as before with no results in sight. 
XX/XX/XXXX I finally spoke with XXXX at XXXX XXXX XXXX XXXX who transfer me to XXXX who told me that my file is empty, she couldnt see any documentation provided by the merchant. 

Now we are in XXXX and I havent received any document in spite of having being assured by several staff that they would send them to me. 

Thanks. 



XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (TX)

I have received numerous letters and phone calls from Bay Area Credit Service stating that I have a collection that I owe somewhere around {$400.00} ( I am at work right now, do not have the exact amount ). I thought all my collections were taken care of because I had two other collections which I settled but not before I had them report for several years and also sending me many letters and phone calls while Bay Area Credit Service had not done either until the past year. I asked them to tell me the hospital name and phone number, the original source of debt, but they were going around that and I never got a clear answer. I was getting annoyed with their constant barrage of phone calls and called the hospital I went to and they said all I owed was $ XXXX~ and that they had sent that to state collections. I called state collections and they said that they had it sent back to the hospital, which I called them again and they said they found where it was forgiven once it came back. I asked why I never saw this on my credit report for the past 3 years ; they said because they were trying to give me a chance to pay it off before affecting my score. They then continued after that, saying they would report to the credit bureau for my collections and they would stop contacting me because this was my " last chance ''. I have yet to see it on show up on my credit report and even after being threatened that this was my " last chance '' to pay off the collection, I still receive phone calls and letters from them. 

Apologies, this is a wall of text, I am unable to go through it again while at work.
Consumer complaint received 2022-12-09
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. (MD)

I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes.

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-11-26
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. (NY)

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