davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (NY)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: JPMORGAN CHASE & CO. (CA)

I saw on my credit report an inquire on XXXX. It was Chase bank ( my bank ). Called and after several phone calls, complaints and requests, I found out they sent an offer for a business account to my old house address when I lived there in XXXX. I have not lived there since XXXX, but they continue to send offers with my information. A neighbor took my offer and applied since the house was vacant since XX/XX/XXXX till XX/XX/XXXX. 

When I called Chase bank at XXXX, they give me the rude runaround. They said it takes 90 days to have this removed. I called again to ensure they were in process 60 days after XXXX, and the person said, nothing was done and they would take care of it. I asked for a letter, which they never sent. This is XX/XX/XXXX. 

I WANT TO APPLY FOR A LOAN TO BUY A HOUSE AND THEY REFUSE TO REMOVE THIS CREDIT INQUIRY!!!! My cash is becoming worthless ... and worth less. Hence, I need to purchase a property. 

I told them I want to purchase a home and they are refusing to clear this up before I apply for a loan. I called XX/XX/XXXX and they said it takes 90 days and I need to wait till XX/XX/XXXX. I called back XX/XX/XXXX and still nothing except I need to wait 90 days for this to clear up. 

This inquiry also resulted in a letter from Chase to me asking if I am opening up a business account. They refused to tell me the address and yet, I finally asked enough times when I got a hold of someone in a foreign country instead of the XXXX. I asked what city and was told XXXX XXXX. Thus, I told them, XXXX XXXX XXXX and they confirmed. I knew exactly! I still own the home since purchase in XX/XX/XXXX, but I don't live there and have not since end of XXXX. 

I got a letter, which I will attach and they want to change this to a soft inquiry. I want NO inquiry as I did not do this. This is the fault of the bank sending these open ended offers that will result in a hard inquiry. CHASE bank knows my address, they knew I moved my home from XXXX XXXX, CA to XXXX, CA. They have that information. They have no business sending offers that trigger this to the open. They are responsible. They need to remove, not change to soft, but remove the inquiry immediately IF they can put a hard credit check on my credit report within hours, they can remove it within hours, not 90 days! 

The credit hit, is still there today as I checked again.
Consumer complaint received 2022-05-31
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. (FL)

I sent multiple dispute letters to TransUnion on XX/XX/2022. None of my disputes came back as verified or investigated. I also never received any communication of investigation results.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

The Debt Collector is Business & Professional -- ->The are stating that I owe them the amount of {$1800.00}. The company is reporting that I have 9 accounts, that they are seeking collections for. The dates range from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( listed twice ), XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Charges from XX/XX/XXXX, XX/XX/XXXX, 3 are for XXXX XXXX : These should have been submitted to XXXX for processing, and patient liability. 

Charges for XX/XX/XXXX, and XX/XX/XXXX should have been submitted to XXXX for processing, and liability, XX/XX/XXXX, XX/XX/XXXX, and XXXX, These are all for XXXX XXXX , and should have been submitted to XXXX XXXX for processing, and patient liability. 

These totaled {$1800.00}, should be referred to the appropriate carriers, before trying to collect on the full balance. 

The account number varies for each date of service. 

Please review, and remove these accounts from my credit report, as they need processing from the carriers as stated above. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION (MS)

Sallie Mae keeps calling me about a debt owed by XXXX XXXX. I have called them on several occasions and asked them to remove my number and they keep calling me. 
I called them on the following dates to ask them to remove my number : XXXX XXXX XXXX XXXX XXXX XXXX There were some other times before XXXX. 
I need them to stop calling me.
Consumer complaint received 2022-05-31
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-31
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. (NY)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an UPDATE of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX XXXX # 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 a account without my written instructions
Consumer complaint received 2022-05-31
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. (CA)

This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2019-04-26
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. (MO)

I have tried several times to submit disputes online and over the phone. Online I'm asked questions that do not pertain to me to verify my identity and can not access my file and over the phone I am ask about accounts I know nothing about to verify my identity, I am unable to get access to my file. I have inquiries I need to dispute on my account but I can not get access to my file because I am answering the questions wrong but none of the accounts they have on file for me I have no knowledge of. I also have accounts I need to dispute but again unable to get access to my file. The inquiries I was able to pull from credit sense is as followed XXXX Dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   Dated XX/XX/XXXX XXXX  XXXX Dated XX/XX/XXXX XXXX   Dated XXXX XXXX XXXX Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX
Consumer complaint received 2020-12-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

Hi, so I finance my vehicle from XXXX XXXX XXXX XXXX XXXX  through Westlake Financial on XX/XX/2020. My first payment was due XX/XX/XXXX, and I wasnt able to make that first payment which I contacted the bank to entend my first payment because I had XXXX. I sent them the information, all my documentation and they were able to extend it. On XX/XX/XXXX, a toll truck came and towed the car away, not knowing who did. Ive called westlake to see if they towed my car and they said no I need to call the dealership, they have no clue on that. I called my dealership and they as well said no they didnt. I was giving the run around on where is my vehicle which I feel like a fraud is going on. Where is my vehicle??
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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  States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, 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 if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I am disputing and urgently requesting the removal of several fraudulent entries from my credit report. Upon contacting the associated banks, they confirmed the validity of an identity theft report and assured the removal of the accounts. The misinformation in my credit report is a clear violation of compliance with the law, stemming from inaccurate or incomplete reporting. I demand immediate correction and removal of these fraudulent accounts from my credit report. 
Accounts in Dispute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (CA)

This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXX XXXX-XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX/XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

MoneyLion and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to XXXX and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Letters were written and dated on XX/XX/2022 and a required response was supposed to be received to me within 30 days with original contracts as stated in my dispute letters of ALL the accounts in question must be deleted off of my credit report, due lawful collection fee amounts. I have not been provided with ORIGINAL CONTRACTS FROM ORIGINAL MERCHANTS ON ALL attached to debt. certied mail was used with tracking numbers ( XXXX  - XXXX ) ( equifax - XXXX )
Consumer complaint received 2019-11-03
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. (VA)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-04-14
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: ONLINE Information Services, Inc. (IL)

I pulled my consumer reports around XXXX of 2023 and I notice it was errors on my XXXX, XXXX and XXXX reports. I sent a dispute to the creditor ONLINE INFORMATION SERV XXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to ONLINE INFORMATION SERV. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing ONLINE INFORMATION SERV that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for ONLINE INFORMATION SERV to delete this inaccurate information off my consumer report immediately. ONLINE INFORMATION SERV you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information
Consumer complaint received 2024-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (WI)

XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX {$850.00} ACCOUNT INFORMATION WAS DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENTS!