davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-11-27
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

Greetings, Hope all is well. My name is XXXX XXXX I maintain a checking account with TD bank and I just noticed that an overdraft fee of {$35.00} was assessed to my account. I am truly confused because money was in the account. I tried calling but was on hold for over a hour. Can someone please help me resolve this error. Thanks
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX  account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX  account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I have a credit card with American Express that is currently on a financial hardship repayment plan, where I am charged lower interest for the period of the plan. 

However, AmEx has been charging me two separate interest amounts every month, instead of just the one, that negates the purpose of being in this program. 

When I asked why, they made excuses about expired promotional balances but refused to comment on how this was in-line with my repayment program. 

I should not be charged these two separate interest amounts while in the repayment program ; otherwise, what is the point? This is deceptive and wrong. 

My entire balance should be subjected to the same lowered interest rate while in the program.
Consumer complaint received 2020-06-10
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)

There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, XXXX, and Experian ) Incorrect Address : XXXX XXXX  XXXX  ( XXXX and Experian ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX
Consumer complaint received 2020-01-02
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: EQUIFAX, INC. (WA)

My mortgage account was last paid on XX/XX/XXXX and was previously deleted from my credit report but reappeared on or around XXXX. In addition, the property was sold at auction in XX/XX/XXXX but the reports are still showing a balance and amount due which seem to be a FCRA violation. Washington is a non-recourse state. I desire to have this old account deleted from my equifax report. I have already tried the equifax dispute process to no avail.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (MO)

I contacted XXXX, XXXX, Equifax on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
Consumer complaint received 2020-06-10
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)

There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( TU, XXXX, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  ( TU and XXXX  ) Incorrect Address : XXXX XXXX ( TU ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX
Consumer complaint received 2020-01-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

See Attached Document The credit reporting companies put FRAUD PROTECTION " without '' even notifying me and without my written or verbal consent. They are not investigating the incorrect amount by the fraudster XXXX. 

Biggest non-cooperating company IS XXXX. XXXX ACTS LIKE A MAFIA ORGANIZATION DOES ANYTHING TO HURT CONSUMER WITHOUT CONSUMER 'S CONSENT.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I have a hospital bill on my report that should have been resolved with my health insurance. Experian still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. Experian still has it as open in good standing.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
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. (DC)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX  Acct # XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX XXXX XXXX | XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : ALABAMA XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2020-01-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Subject : XXXX Soft Inquiries Made on Credit File Description : On XX/XX/2019 two soft inquiries were made through an API from XXXX XXXX to XXXX  XXXX  and XXXX  through XXXX, both lending companies. I did not authorize these companies to access my credit file under any circumstances. ( Because I have been the victim of 3 data breeches, I am reviewing my credit files very closely ) The reasons I am aware of these inquiries is I received email notifications from both companies in response to the inquiry. I have deactivated my XXXX XXXX file and I would like these soft inquiries removed from my file by XXXX XXXX - I did not authorize them to be made. 

I contacted XXXX XXXX on XX/XX/2019, the day I received the email and XXXX XXXX   onXX/XX/2019. A rep at XXXX XXXX said, " I wasn't approved so don't worry about it '' and, XXXX XXXX responded via email with an ambiguous response. I do not have contact information for XXXX through XXXX.
Consumer complaint received 2020-01-01
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: Experian Information Solutions Inc. (TX)

I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-01-01
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. (MD)

My information had been exposed during XXXX 's data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and XXXX and Transunion have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and XXXX and Transunion have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both XXXX and Transunion unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX ' whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from Transunion and 6 points from XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX purchased a XXXX XXXX Debt but failed to give me a proper notice in regards to the way this account would adversely affect my credit report nor did they give me the opportunity to resolve it before they credit reported. 

I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life! 

Yet in there response to you, complaint number XXXX, instead of XXXX XXXX  like it says in the credit report, they now refer to XXXX, instead of XXXX They have now changed there story!! Regardless, I have never been late to XXXX!!! In fact, I still have accounts with XXXX, and all my bills are current!!! Why would they give me service, if they claim I owe them money on some other account!? 

I have never received any bills from the account they say I owe. In there response to you, they said they will send the response from their client " to the address on file ''. I will never see it because they do not have my address, and like I said I never got any bill related to this! Then she says we can call her, which we have tried to do in the past, but she does not respond!
Consumer complaint received 2020-01-01
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. (TX)

I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (AZ)

On XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX. The loan for this vehicle is handled by Bridgecrest LLC. In order to make loan payments, one has to register with Bridgecrest online. Communications with Bridgecrest online are not possible, because Bridgecrest never answers to any emails. I had an account with Bridgecrest before for a XXXX XXXX XXXX ( Loan # XXXX ).  This vehicle was discharged with my bankruptcy on XX/XX/XXXX, since Bridgecrest denied the reaffirmation of the loan. At no point, they notified me, that the vehicle was discharged and that i could give it back to them. I wanted to register and open an account for the XXXX XXXX, and to my surprise, I noticed, that Bridgecrest added the new vehicle to the old account. The purchase of the XXXX XXXX has NOTHING to do with the old account. I requested them to allow me to open a new account for the XXXX XXXX. Like always, no answer from Bridgecrest. I need to be able to open a new account for the XXXX XXXX ; putting these 2 loans together in one account is, in my opinion, highly questionable, if not illegal. I hope, FTC can get an answer from Bridgecrest. The XXXX XXXX needs to be removed and the account closed, since the vehicle was fully discharged in my bankruptcy. Bridgecrest needs to allow me to open a new account for the XXXX XXXX before XX/XX/XXXX, when the first payment is due. I will refinance the loan in the very near future, so I can get together with a more ethical finance company.