davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (TN)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am disputing the failure of compliance with the law as the persistent presence of a fraudulent account, XXXX XXXX, on my credit report. Despite assurance from the bank that it would be promptly removed due to identity theft, it remains unresolved.
Consumer complaint received 2023-02-07
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. (IL)

In dec I filed a complete against XXXX XXXX due to a collection on my credit report. Its in my complaint file with your company this company said they dont own this account please have this removed off my credit report asap because this inaccurate information is hurting my credit
Consumer complaint received 2022-04-19
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. (SC)

I have closed accounts on my credit report that I did not authorize : EQUIFAX : XXXX XXXX # XXXX - XX/XX/2021 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 2022-04-19
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX  Account # : XXXX Creditor : XXXX XXXX  Account # XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 related 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 2023-08-09
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this account were ever disputed. That is a violation and this account needs to be deleted.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

in late XXXX I mailed a check to my mortgage company. It was stolen out of the mailbox or out of the mail service. About XX/XX/XXXX, someone attempted to cash a modified version of the check. BofA and I closed the checking account and opened a new one. 
On XX/XX/XXXX I visited the local bank because my SS was deposited in the old account. We transfered the money to my new account. I have printout that shows I had a balance of {$5900.00} that morning. Sometime that morning B of A froze my account because of " suspicious activity ''. I was left with {$4.00} in my pocket and online automatic payments scheduled. I suffered {$140.00} in penalties in NSF charges because of their actions. 
The suspicious activity was a $ XXXX.+ check that my business partner attempted to deposit in my account. The check was drawn on a bank in Missouri and made out in her name. She modified the check, which made it an improper instrument, not an illegal one. The bank had every right to refuse to process the check. 
B of A made no attempt to notify me of the issue and capriciously and arbitrarily close the account. 
I received a statement XX/XX/XXXX that evidently is my closing statement. It shows on page 1 of 6 in the  summary an amount of {$8400.00} as other subtractions. This is broken down on page 4 of 6, It shows an item RETURN ITEM CHARGEBACK {$2000.00} and another item as ACCOUNT CLOSING TRANSACTION {$4300.00}. 
B of A does furnish an explanation of these charges. I find it difficult to believe that I can be charged {$6300.00} to close an account. I would appreciate an explanation why my money can not be returned to me.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this account were ever disputed. That is a violation and this account needs to be deleted.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX Please removeXXXX
Consumer complaint received 2022-04-19
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. (CA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.
Consumer complaint received 2022-11-07
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. (OH)

I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Transunion in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Transunion took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt XXXX XXXX
Consumer complaint received 2022-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$480.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$6500.00} / XX/XX/XXXX
Consumer complaint received 2022-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$480.00} / XX/XX/2022 XXXX / {$230.00} / XX/XX/2022
Consumer complaint received 2022-04-19
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)

I believe that XXXX is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.
Consumer complaint received 2022-04-19
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)

I believe that XXXX is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.
Consumer complaint received 2022-04-19
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. (GA)

I sent out my entire credit dispute to Experian. But I only have proof of XXXX. In XX/XX/2021 I mailed several documents to the certified. So I received a postcard saying " They were unable to honor my recent request because I did not provide sufficient information so that my identity could be verified. '' So I called the a week later and was asked the last 4 digits of my social, name, DOB, and my address and my account was able to be verified. The same way I sent letters to XXXX and XXXX and they deleted somethings in question with the same information provided. It seems like Experian is being bias and just trying to make this process hard and stressful.
Consumer complaint received 2022-04-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX CHILD SUPP / {$30000.00} / XX/XX/2022
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.
Consumer complaint received 2022-04-19
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. (GA)

Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX  account numbers Has violated my rights XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX5 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681-2 ( 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 2022-04-19
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: EQUIFAX, INC. (GA)

I first sent a certified letter to Equifax In XX/XX/2021, some collections or what not was deleted or removed. But some remained on my credit history. So I called them a couple days after receiving the one in XXXX and filed a claim by phone. I received a letter showing the collections I had in question and when I looked at the document. It said reinvestigation in process, which I haven't received anything other after that. I also may add that one company decreased their dollar amount by almost {$2000.00} although I don't owe the debt.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 convergent account numbers Has violated my rights XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681-2 ( 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 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I recently complained about this same issue of XXXX XXXX trying to collect on a debt that is over 10 years old.  Since the previous complaint ; they have now sold this account to Enhanced Recovery Company stating this is a new account. 
I have not opened an account with this company and this was removed prior because XXXX XXXX sent it to another recovery company. This should be illegal for them to continue to sell old debts to Collection agencies. This was removed off my credit report earlier this summer and now it is back on here again. It states that between XXXX XXXX, 2019 and XXXX XXXX a new account in collections was added to my credit report. I need this removed from all 3 credit bureaus due to this is an old debt over 10 years old.
Consumer complaint received 2022-04-19
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-19
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX