davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (VA)

First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX XXXX and experian ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, experian and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (ID)

XX/XX/2022, Comenity Capital Bank, with XXXX XXXX XXXX states insufficient funds on payment. This was paid over phone with debit card and I have no record of any insufficient funds on account.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (TX)

I was a victim of identity theft. I notified the credit bureaus and forwarded them the identity theft report ad all identifying information as well as a list of the fraudulent information and they failed to remove the false information from my reports.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/year> I requested that three accounts be verified.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 
I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX Unverified Account XXXX, XXXX XXXX Unverified Account XXXX, XXXX XXXX Unverified Account
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  's client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX  A dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  Trans Union. A formal dispute was sent electronically to Trans Union   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   Trans Union  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  an d Trans Union.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Dear Sir or Madam, I am writing to dispute the accuracy of information reported on my credit file regarding an account with XXXX XXXX. I believe that the information reported by [ Equifax/XXXX ] is inaccurate and does not reflect my payment history accurately. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter to ensure that my credit report reflects only accurate and complete information. 

Account Information for Dispute : Creditor Name : XXXX XXXX ( Installment ) Account Number : XXXX ( Please adjust with the last four digits as reported ) Reported by : Equifax and XXXX Issues : Payment Status Inconsistencies : Equifax reports " Pays account as agreed, '' while XXXX states " Paid account/was 30 days past due date. '' This discrepancy may unfairly affect my credit score. 
Delinquency Reports : Both Equifax and XXXX list a 30 days late payment in XX/XX/year>. If this is incorrect or if there are extenuating circumstances that led to this mark, such as errors in reporting or miscommunication, it should be investigated and corrected. 
XXXX XXXX : The account closure date is only reported by Equifax, not XXXX. Consistent reporting across all bureaus is essential for accuracy. 
Account XXXX : There is missing information across the bureaus, including the closed date by XXXX and nearly all details by XXXX. This lack of consistency XXXX present an incomplete picture of my credit history. 
I have attached documents that support my position and request that the following actions be taken : Verify all information regarding the XXXX XXXX account with the creditor. 
Correct any inaccuracies found, especially regarding payment history and account statuses. 
Update my credit report to reflect accurate and consistent information across all bureaus. 
Provide me with a written summary of your investigation and the outcome. 
Please complete this investigation within the 30-day period as mandated by the FCRA. I appreciate your attention to this matter and expect your prompt response. 

Sincerely,
Consumer complaint received 2023-06-05
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: Darnieder & Sosnay (WI)

Hi, XXXX XXXX XXXX is violating the law & violating my rights but reporting fraud on my credit reports ( XXXX XXXX XXXX acct # XXXX {$11000.00}. ) I have made several attempts to dispute this fraud. They have not legally validated & continue to ignore my request for legal proof & also send me the documents I requested from them such as ; their tax certificates etc. By law they have to provide all these documents I requested. I have submitted a FTC report & sent to all 3 credit bureaus. Furthermore, XXXX hired a 3rd party Debt. Collector, ( XXXX XXXX XXXX ) That is harassing me, violating my rights even more. This is causing me & my family extra stress & damaging any efforts for future credit. XXXX is violating my Aboriginal American Sovereign rights beyond the US. Statutory laws. ( XXXX XXXX United States Department of State on XX/XX/XXXX XXXXwitnessing signature of the Secretary of State XXXX XXXX [ Executive Branch ] and the witnessing seal of the United States federal Government [ form 06013144-1 ] based on Article 4 [ Authentication ] & Article 6 [ Supremacy Clause ] of the United States Constitution, both Articles being based on International Law in full accordance with CFR 22 131.1 & 131.2 and in accordance with USC 4 Section 42 )
Consumer complaint received 2022-09-19
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. (GA)

I file a police report on XX/XX/XXXX, to remove the inquires from my credit report. I sent documentations to Equifax and they didn't remove them, I also provided a police report as well. They refused to remove the inquires. Please review the inquires that needs to be removed as follow : XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX XXXX, XXXX AXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (MI)

XX/XX/23 I put in a disputes with Trans union about the bankruptcy reporting on My credit report. XX/XX/23 they responded that the information was verified and accurate. So I wrote the clerk from the bankruptcy court XX/XX/23 a letter addressing the issue XX/XX/23 I received a letter from the court that they do not report to credit agencies. I mailed Trans union a hand written letter attached with the a copy of the court letter XX/XX/23 I called back to tell them that the account was reported in error or they lied because the courts do not report to the credit agencies and to remove it immediately and they still did not resolve the situation I had no problem with XXXX or XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

This is the third company that has tried to collect this Zombie incorrect debt from me. The last was handled by the CFPB on my behalf from XXXX XXXX, who it looks like sold the " debt '' to Creedance. They have killed my credit report and refuse to validate the debt. 

There is no basis for the debt and I have never had an account with creedance. Two former collections agencies have failed to validate the debt properly and I am sure Creedance is unable as well.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Some of the recorded accounts contain inaccuracies concerning reporting, incorrect figures, and dates.
Consumer complaint received 2023-04-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX CRED XX/XX/year> Please remove these illegal inquiries off my report.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (OH)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX : {$30000.00} - XX/XX/2022
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment Ive attached a copy of my report to this complaint on the following date ( XXXX ) Im now requesting you to investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified I demand this payment to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (RI)

I agree to a debt collection with Synchrony Bank, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX Again I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

The Family Educational Rights & Privacy Act is a federal law that protects the privacy of student records. FERPA applies to all levels of education and there should be NO reporting on my consumer report.

I tried to verify that I have an active account with this company and I found no account even when entering my social & date of birth. All basic information they should have if I had a valid account with them meaning this information has been released without consent.
Consumer complaint received 2022-11-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX