davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (CO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NE)

My funds were often frozen after I deposited them and I was unable to access them for a long time. My ex husband was allowed to overdraft on my account even though he was removed as an account holder prior. My account was wrongfully charged monthly fees even though I used my debit card more than XXXX.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

I reached out to ABILITY RECOVERY SERVICE via phone on XX/XX/XXXX at XXXX XXXX after disputing false charges that they reported on my credit to XXXX, XXXX  and XXXX. I reached out to this creditor to discuss a debt that was reported falsely on my credit three times to XXXX, XXXX and XXXX  in XX/XX/XXXX. The original account was opened in XX/XX/XXXX and removed in XX/XX/XXXX and ABILITY RECOVERY SERVICE re-opened this account in XX/XX/XXXX as a new account which its not. The representative proceeded to tell me that the charges weren't false and that I went to the doctor three days in a row and acquired 3 separate bills for the exact same amount which is XXXX with in those three days. Which is ridiculous. While im trying to explain to the representative that what he is saying is incorrect, he began to speak over me. I told him that i would like proof of these three separate bills with a total of XXXX for each on 3 separate occasions and he hung up on me.
Consumer complaint received 2020-03-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, Equifax and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following XXXX XXXX XXXX XXXX that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made a payment to for a private XXXX XXXX student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my XXXX reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX XXXX and XXXX to make sure information was updated on their end. XXXX was, XXXX XXXX 's wasn't. I start a dispute with Transunion and XXXX  on XX/XX/XXXX. I call XXXX XXXX and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my Transunion dispute was resolved. On XX/XX/XXXX, my XXXX   dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my XXXX  dispute, yet it was still not denied. I open another dispute with Transunion on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start graduate school in XXXX in 2 weeks and I needed to apply for a GradPLUS loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2020-01-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Both Transunion and XXXX refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

XXXX continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work Transunion refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to Transunion
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (VA)

A credit card was fraudulently opened in my name in XX/XX/XXXX with XXXX Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, Credit Corp Solutions ( CCS ) acquired the debt. At some point in the fall of XXXX, I received correspondence from CCS regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from CCS, in XX/XX/XXXX I sent them a letter via XXXX mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, CCS sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the XXXX in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX  was a blank affidavit of fraud that CCS asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to CCS both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from CCS in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : Credit Corp Solutions Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

The situation began when my mother, XXXX XXXX ( now deceased ) took out a loan on the property under XXXX  XXXX XXXX  XXXX. I ( XXXX XXXX ) was listed on the original loan as well as the deed to the property. As of XX/XX/XXXX, my mom received a letter stamped Paid and a copy of the deed. When XXXX XXXX assumed the loan, the terms were rewritten, eliminating me from the loan, but retaining me on the deed. After my mom pass away, I tried to have the loan/deed of recordation straightened out to reflect rightful ownership ; however, XXXX XXXX refused my request and told me I would never get the loan refinance into my name to just keep paying on the XXXX XXXX XXXX XXXX loan. 
The XXXX XXXX XXXX document was in the amount of {$64000.00} on XXXX XXXX with an interest rate of 13.81 % amount of {$820.00} a month for 20yrs and the maturity being XX/XX/XXXX. The Mortgage payment history statement show the interest begins XX/XX/XXXX, and loan amount of {$67000.00}. Maturity date XX/XX/XXXX. I ask for some assistance on reading the loan documents and no one could tell me what was happening, so I continue to pay. We were behind on the notes in XXXX amount of XXXX which I filed bankruptcy in XXXX. And every payment was caught up and the mortgage was being paid every month until the Maturity date arrived. XX/XX/XXXX I ask for a payoff balance from Carrington and they loan amount was {$38000.00} and if not received after XX/XX/XXXX it will require a XXXX interest per day. I contacted an attorney due to the loan is not in my name. I was not happy with this request paying for 20 yrs. on a XXXX and nothing went to principal. Is this legal? I paid in good faith to the best of my knowledge. Now they are starting foreclosure on my property. Persons should not have to lose properties and/or their mind due to the unlawful, unethical conduct of this Lender.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.
Consumer complaint received 2023-11-30
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. (SC)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-02-11
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. (GA)

The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain 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.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report.

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment,. This ground for removal, They have violated the law because according to In accordance with The fair Credit Report Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 this account has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report immediately I look forward to your response.