davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (GA)

XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information from my credit report.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC (NE)

On Friday XX/XX/2023, my mother XXXX XXXX was scammed of {$2000.00} using the banking app Zelle by XXXX XXXX of XXXX XXXX XXXX XXXX. 

We filed a claim with her bank, XXXX XXXX Bank and was informed that they were unable to help as Zelle claimed she authorized the funds. 

We are unable to locate this company and are not sure what we can do. My mother has XXXX XXXX XXXX XXXX and is looking for any help you can provide. It is not right to prey on the elderly. She is XXXX XXXX XXXX and on a fixed income and can't afford to lose money to scammers. 

Hopefully, you can assist us.
Consumer complaint received 2023-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frost-Arnett Company (NY)

Frost arnett consumer number XXXX amount XXXX. For company XXXXXXXX XXXX I have reported to them numerous times that someone stole my personal information to receive services from them. This happened in XXXX and I live in XXXX XXXX XXXXXXXX. I have never been to XXXX in my life. The person used my name and birthdate and fake address for account information. I have health insurance in XXXX XXXX  XXXX. I want this taking care of as they keep harassing me which is causing XXXX and emotional distress. They should have to get better information when checking person in. So this cant happen. If they would have verified who the patient actually was. I wouldnt be going thru this. I believe a childhood friend by XXXXXXXX XXXX XXXXXXXX stole my information. She is the only person I know that was in XXXX and would have my name and birthdate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-07-04
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. (TX)

I have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. XXXX has removed all fraudulent accounts, but XXXX and Experian has not removed the accounts. Please see accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was removed from my Experian report then added back with no documentation from the company.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KeyBridge Medical Revenue Management (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-06-05
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. (MD)

Ive been trying to dispute this account in several of my reports but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-07-04
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. (AR)

I am sending my CFPB complaint to inform you about the accounts that are still reported as late in my credit file. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$910.00}.
Consumer complaint received 2023-05-05
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. (GA)

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions (OH)

Credit Solution Has called me 8 times since XX/XX/2017. I know they have called me many, many times before that. Even after I have told them that the person does not live here. I do n't owe anyone money. This is harassment and I want it stop by any means necessary.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have VOLUNTARY surrendered my vehicle back to XXXX XXXX XXXX XXXX in XXXX of XXXX. 
However, XXXX XXXX XXXX just changed history of my account and notified credit bureaus Equifax, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!
Consumer complaint received 2021-06-25
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. (GA)

ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (CA)

Contrary to the FCRA, as well as  XXXX  and  XXXX  credit scoring procedures, company has falsely reported multiple charge- offs, one each month since the actual single occurence, rather than the single charge off that existed, resulting in inceasing negative impact over time rather than decreasing negative impact over time.
Consumer complaint received 2024-02-29
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. (CT)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX, issued by XXXXXXXX XXXX is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification Process and Dispute Regarding XXXX and XXXX Accounts Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported by Experian regarding my XXXX and XXXX accounts. I have identified several errors and discrepancies within the reporting of these accounts, and I am requesting detailed clarification on the verification process used to validate their accuracy. 


I would like to address the following concerns : 1. XXXX Account Errors : The XXXX account on my credit report contains numerous errors, including inaccurate reporting and incomplete information. I kindly request that Experian provide a comprehensive explanation of the verification process employed to validate the accuracy of the XXXX account. Additionally, I request a detailed review of the information contained within the account, with a focus on rectifying any errors and ensuring the accurate reporting of my credit history. 

2. XXXX Account Discharge : I am disputing the accuracy of the reporting on my XXXX account, as it has been discharged. I kindly request Experian to provide documentation of the verification process that was undertaken to confirm the accuracy of this account. Furthermore, I request that Experian promptly updates the reporting to reflect the discharge status, as it is crucial that my credit report accurately reflects the resolution of this account. 

I appreciate your attention to these matters and kindly request the following actions : 1. Thorough Verification : I request that Experian conduct a thorough investigation into the accuracy and validity of the XXXX and XXXX accounts. This includes reviewing the verification process employed, confirming the accuracy of the reported information, and addressing any errors or discrepancies identified. 

2. Account Updates : Based on the findings of the verification process, I request that Experian promptly updates the reporting of the XXXX account, ensuring accurate and complete information. Additionally, I request the necessary updates to reflect the discharge of my XXXX account. 

I kindly request a written response within 30 days of receiving this letter, providing a detailed explanation of the verification process undertaken for both the XXXX and XXXX accounts. Additionally, I expect Experian to take appropriate actions to rectify any inaccuracies, errors, or discrepancies found within the reporting of these accounts. 

Thank you for your attention to this matter. I trust that Experian will conduct a thorough investigation and take the necessary steps to ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX Account number : XXXX 4. Account name : XXXX XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX XXXX XXXX Account number : XXXX 6. Account name : XXXX XXXX XXXX XXXX Account number : XXXX 7. Account name : XXXX XXXX Account number : XXXX 8. Account name : XXXX XXXX Account number : XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Consumer complaint received 2023-01-24
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. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (MO)

The collection company Radius Global solutions is attempting to collect a supposed debt owed from the time frame XXXX, in the amount of XXXX which the statute of limitations has past. They have been calling me for months and most recently sent me a text message on XX/XX/23
Consumer complaint received 2023-05-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2023 American Express XXXX left a voicemail on the general voicemail box of my employer saying that my account was past due and that I needed to remit payment.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi again, I've sent multiple dispute requests to Trans Union to report accurate information on my consumer report according to the law. This has been going on for over 60 days. I am so stressed. I can't sleep, and I am mentally exhausted with how this is effecting my mental health and well being. 

TransUnion must stop breaking the following laws and remove the inaccurate bankruptcy reporting they have on my consumer report. 

Look at the letter I received from XXXX XXXX. I did not contact them but they wrote me a letter admitting they engaged with the data source and they did a complete investigation of the disputed item and they verified as accurate. Show me the dispute request from me? 

TransUnion claimed that the data was verified as accurate from XXXX XXXX. Ok, how can it be accurate when I have a notice from the Bankruptcy court that I have submitted twice to you saying they don't report to the credit bureaus or any other agencies. 

Also, look on my report, Trans union says that the source is the Bankruptcy court. 
This is inaccurate and must be removed. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

By law you must delete this from my consumer report
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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. 

Account name : # XXXX XXXX name : # XXXX has violated my rights. 
Account name : # XXXX  name : # XXXX has violate my rights. 
Account name : # 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.