davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have not been able to access my electronic Equifax file since XXXX. I have sent my identification in over a dozen times only to be asked to send it again. Since then I have received inquiries and accounts that are not mine and Equifax has not done anything to rectify the situation.
Consumer complaint received 2022-02-22
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. (NC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (OH)

It is not going on 90+ days since I have opened a dispute with XXXX XXXX XXXX XXXX and Experian. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (FL)

i moved to florida in 2017 and i left the apartment in XXXX, this information was sent to XXXX XXXX. Yet my gas was still running. I wasnt aware of it until i got a XXXX bill here in florida.
Consumer complaint received 2023-12-28
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)

XXXX XXXX XXXX  This letter is my final communication regarding the account XXXX. On XXXX XXXX XXXX XXXX received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from XXXX and Equifax immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that XXXX XXXX XXXX is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

charge off on credit history with a balance as well a collection with a open balance because of this apparent neglect in assuring everything reporting is accurate, consistent and up to date Experian, XXXX and XXXX reporting these account OPEN. 
to collection should not be listed a an open balance Please remove items immediately.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CUSTOMERS BANCORP, INC (MS)

I received a debit card from a bank I had never heard of. Customers Bank in PA. Then a couple days later a a bank state from same bank. All balances were XXXX. I called customers bank and closed the account. That same day i Received inquires about my XXXX account ( Mastercard ) about transactions that looked questionable. Two transactions were not mine. That particular Mastercard has been cancelled.
Consumer complaint received 2018-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I received my credit report from Equifax, datedXX/XX/XXXX. I then contacted Equifax to ask questions regarding my account history. I asked if It would be beneficial to have the 5 accounts listed ( closed by me and always paid as agreed ) removed since the credit report states accounts paid on time should not be reflected on the credit report. I was told to file a dispute and have them removed by the representative. Dispute was filed XX/XX/XXXX. I recently checked my credit scores and Equifax decreased my score by 3 points because my account history was removed! I called Edquifax again today and asked the representative to put my credit history back on my credit report and if we had to file another dispute to do that, then I want to do that. After an hour on the phone with a representative that did not speak English very clearly and who obviously did not understand my simple request of putting my credit history back on my credit report, I gave up! This is not a difficult request.
Consumer complaint received 2023-12-28
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. (FL)

I have submitted a report to the FTC regarding the unauthorized credit inquiry ( XXXX XXXX XXXX XX/XX/2023 ), which is a clear violation of my consumer rights. 
I have disputed this inquiry with Equifax, providing evidence and documentation to support my claim that I did not authorize this inquiry and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiry from my credit report, stating that it is accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID, and my Proof of Address.
Consumer complaint received 2023-05-25
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-13
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. (OH)

There are XXXX hard inquiries currently on my credit report that I did not authorize from XX/XX/2022. XXXX and XXXX XXXX. I request that these are removed immediately.
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: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. ()

Email to CMRE dated XX/XX/XXXX : Dear Ladies and Gentlemen, I am referring to the call on XX/XX/XXXX when I spoke to you regarding the above mentioned Account. 

On this occasion I have been giving your customer service representative insight into the following circumstances : - l have been visiting the US as a tourist, - That I informed hospital staff that I would not be able to receive correspondence at the address you and they have on file as I was a visitor there, - and having in return been informed by staff that no further payment will be required, as the {$300.00} paid by myself was the standard flat charge for international visitors to the US. 

Based on this information, your service representative informed me, that the case will be placed into a dispute status and will be reviewed by a senior manager. 

Please let me know the outcome of this review. 



Email dated XX/XX/XXXX Dear Ladies and gentlemen, Referring to the account stated in the subject, I have tried to pay my bill 8 times. 

Again, I am not as US citizen, do not have a US address and the address you have on file is that of a friend I visited. 

After it being declined numerous times online, I spoke to one of your customer service colleague. They told me the issue was with my card issuer. 

I called XXXX XXXX subsequently, who added the US address you have on file to my account temporarily. Still, the charge is being declined by you. 

As you can tell, probably also from your records, I am very much trying to settle this matter, however, it almost appears that CMRE does not want me to pay! 

However, after multiple and very costly international calls at {$2.00} a minutes, multiple attempts to pay online, multiple email and multiple call to my card issuer XXXX XXXX, I do feel that I have tried all available options without any success. 

I thus feel that I have done my due diligence in trying to settle this account. 

Therefore, I would ask you to contact me with a proposal on how to settle this account. 
Please contact me within the next five business days either using the phone number below or by responding to this email. 
Phone : XXXX XXXX XXXX Please note that, should I not receive a response within five days, I will make the effort for another few costly international calls XXXX the US to file a formal complaint with your client XXXX XXXX XXXX , XXXX XXXX XXXX, your regulating authority as well as directly yourselves. 


The letters received by CMRE at my friends adress are uploaded as attachments. The first letter came out of the blue as I was completely unaware that I had any debt due to the statement the hospital made about a flat charge for international visitors.
Consumer complaint received 2023-02-22
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX  XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2020-01-10
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. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.
Consumer complaint received 2020-01-10
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. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MO)

I am writing to complain about the lack of service I received in a complaint resolution with CareCredit. The confirmation number is # XXXX. It was for a {$7000.00} quality of goods complaint for XXXX XXXX XXXX, a XXXX  in XXXX XXXX, XXXX. At the time, I explained the situation over the phone to the person. She did not have me put anything in writing. She simply had me explain the situation. 
The basic facts of the complaint are that XXXX XXXX made a fixed denture for me that did not fit properly. It caused me severe XXXX pain. I went to a physical therapist several times and a speech pathologist who all agreed the denture did not fit well and was the source of my pain. I explained this to XXXX XXXX, and he stated that was about all I can do. I paid him $ XXXX {$7000.00} of which was on the CareCredit card. After discussing the problem with other professionals, I was finally able to have a new one made by another prosthodontist. This new one fits properly ; however, I, of course, needed to pay my new dentist. I do not believe I should have paid for a dental prosthesis that is non-functional. I believe it is currently sitting in a lab at my new dentists office. It was quite literally {$15000.00} paid for nothing but pain. 
I am writing to you because evidently CareCredit reached out to XXXX XXXX, accepted whatever he said, and filed in his favor ( he lied about much of this. ) The bottom line is that I can not use what he made. Why in the world would I not use it if I could? This does not make any sense. Why would I want to have another one made if is worked fine? 
Not XXXX person at CareCredit ever wrote down or asked me any follow-up questions. In fact, I only discovered the conclusion of the claim from XXXX XXXX himself. I had tried contacting CareCredit on several occasions and am only placed on hold for XXXX minutes or more. I have screen shots showing this. It is nearly impossible to get a hold of anyone at CareCredit. Even when I tried to offer feedback on the website, it would not work. I finally discovered that there was a message regarding the conclusion on the website. No one had informed of this. This entire ordeal is highly unethical from beginning to end. 

Thank you
Consumer complaint received 2023-05-12
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled up my free annual report through Transunion, began the process of disputing items on my report, and found out they only let you submit one report of a dispute or multiple disputes at a time ( although I am not sure if the platform supports more than one at a time ). I submitted one and thought I would then go back to my report to dispute the rest, one by one. Big mistake. They blocked me from seeing my report any longer and from filing anymore disputes until the first was resolved. The supervisor on the phone assures me that I am the only customer who ever filed the dispute before saving the credit report to a pdf or printing it. Consequently, " for my security '' they won't let me look at my credit report anymore or file anymore disputes without cancelling the first or waiting two more weeks now for it to be resolved. Do you know how long it took the other bureaus to correct my disputed items? 24 hours. Please please please save the middle class and stop these bureaus from making a business out of creating misery for us. All of Transunion 's representatives were outsourced. That means this illegitimate business doesn't even provide jobs for Americans.
Consumer complaint received 2022-02-22
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: Bread Financial Holdings, Inc. (MO)

I was a victim of identity theft in 2017 and several accounts through Comenity Bank were opened in my name. It appears these debts were sold to a third party called XXXX XXXX. I submitted a notarized fraud claim and disputed this with all three credit bureaus and the debt buyer removed all of the accounts from my credit report. In addition, all of these accounts were opened within 30 days of each other which further points to identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, my name is XXXX XXXX, XXXX birthdate XXXX There is an account reporting on my account that has already been deleted that got resold to another company. XXXX XXXX XXXX account number XXXX. I have already tried to contact them and got no where. please help remove this collection from my account.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-13
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. (AZ)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.