davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX XXXX Inquiry date : XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-05-25
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. (PA)

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 is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WI)

Coinbase closed my account back in 2018 for unspecified reasons. Since then, I have been desperately trying to get my transaction history for tax purposes, to no avail. They have sent my transaction history in pdf format, which I can not use for tax purposes, rather than a XXXX or XXXX file. The file they sent also contains no information regarding transactions made on Coinbase Pro ( formerly GDAX ).
Consumer complaint received 2023-01-17
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. (PA)

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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2024
Consumer complaint received 2023-01-17
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. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX XXXX XXXX XXXX.

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (RI)

On XX/XX/22 I mailed a check for {$240.00} to pentagon federal credit union as payment to my credit card, their penfed defender visa. Later that month I checked my statement and saw the payment was never applied. I checked with my bank who informed the check had posted. 
I called pentagon Federal credit union and was advised to upload a copy of the check, front and back, which I did XX/XX/22. Since that time I have contacted XXXX XXXX  credit union no less than 8-10 times wondering why they have not applied my payment... the back of the check clearly shows that XXXX cashed/rec 'd these funds XX/XX/22. 
Each time I call I am given a runaround ... '' the appropriate dept is working on it '' ... '' the missing check has to be physically located before actual payment is made '' ... .and just 8 days ago.. '' Card relations is no longer the dept working on your case, but now our credit union recon team '' . 
No one there sends me a confirmation email with the info discussed after my calls as requested, or an XXXX as to how long I am expected to wait before they apply payment. All the while they have been charging me fees and interest on the disputed amt. 
As I have explained to them multiple times ... my financial institution has made payment to XXXX and they have rec 'd those funds and not applied to my CC acct. The fact they have a problem losing the paper check ( s ) is not my concern. 
It has been over 2 months now and there appears no resolution in sight... I guess XXXX just intends to keep my {$240.00} they've rec 'd and do nothing...
Consumer complaint received 2020-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Finance mailed a Property Tax Assessment letter to me, dated XX/XX/XXXX for XXXX XXXX XXXX lease XX/XX/XXXX. I filed Form 50-285 ( Lessee 's Affidavit of Primary Non Income Producing Vehicle Use ) with XXXX County. In fact, I filed for XXXX and XXXX. XXXX County notarized the form and I mailed a copy to Kia. A follow up call confirmed they received it. My issue is the letter states XXXX County Tax Collector has assessed a tax which I know they have not because I visited TCAD ( XXXX Central Appraisal District ) who confirm no tax has been assessed and they have my Form 50-285 on file. I contacted Kia and requested validated, documented proof tax has been assessed, who assessed it and if Kia actually paid it, I need that proof as well. I have called several times and have requested to speak with someone in their Property Tax Dept because the CSR 's are ill-equipped to answer tax questions. KIA will not transfer you nor let you speak with anyone in the Property Tax Dept. I even asked if the Property Tax Dep could call me, but they do not do call outs. Oh and they are quick to state your contract states you will pay any taxes assessed, but if they expect me to pay property tax, I need to see proof of the tax. FYI : The first I mailed Form 50-285, they confirm receipt of form and accepted it. Now they are rejecting it. They are non-consistent at best.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

on equifax report the correct address is not on my report and i cant get thru to equifax i try calling no respond the only address should be on my report is XXXX XXXX XXXX XXXX ga XXXX i been living there for 4 years
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I have been requesting info regarding a collection on my credit report from XXXX XXXX in excess of 60 days with no luck. This debt is listed on all 3 of my credit reports. I have asked for the original contract with my wet signature authorizing this debt along with the original information from the original creditor with name ( s ), address ( es ), and phone number ( s ) listed. I also requested a breakdown of the billing and payment history along with the acquired proof of ownership showing the collection agency has the right to collect on it. This company, XXXX XXXX, has been given ample time to respond with this information and has not.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/ not late. And they want update my information.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (IL)

Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, Experian keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (SC)

I am writing to dispute a collection account that is reporting different dates of last activity on my credit report. The creditor in question is Bull City Financial. 

I have reviewed my credit reports and noticed that this account is being reported with multiple dates of last activity. Specifically, the account is being reported with a date of last activity of XXXX  and XXXX. I believe this reporting is inaccurate and is negatively impacting my credit score. 

According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and complete information about me. The reporting of multiple dates of last activity for the same account is inaccurate and confusing, and I believe it is in violation of the FCRA. 

I have reached the credit bureaus and the creditor regarding and it has not been resolved. I am requesting that this account be deleted from all credit bureaus. 

Thank you
Consumer complaint received 2024-03-20
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2023-01-17
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. (IL)

Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

equifax, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NH)

We terminated our lease with the XXXX XXXX in XXXX NH and paid the amount due in full when turning in our keys. XXXX  then charged us an additional {$990.00}. I never got any bill, never got a phone call. National Credit Systems called us in XX/XX/2018 saying we owed them. I called the XXXX  and they said they sold the debt but would not tell me to whom. I sent NCS a certified mail with a notice of dispute on XX/XX/18, heard nothing, sent it again on XX/XX/18 and got back a copy of our XXXX  lease, so I then a settlement offer on XX/XX/18. We have never since heard back from them. I am asking assistance from this agency to mediate the matter and force NCS to comply fully with the request I made in regards to The Fair Debt Collection Practices Act. I require more than them sending old copies of a bill which did not exist at the time we paid our bill and moved.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION (CA)

This is my second complaint with the same issue with BBVA credit card. I'm owed a {$110.00} credit which I have asked be credited to my account in response to their response to my previous complaint. 
BBVA has provided details of a credit they insist have issued me but I have never received it. First, I never authorized them to credit my checking account. Secondly, they have provided confirmation of a transaction with XXXX on my behalf but I don't bank with XXXX. 
Speaking with their customer service yields no result and I have not been issued the credit owed to me.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (NJ)

XXXX XXXX XXXX retained AR Resources , Inc. for legal representation provided false statements as well as two itemized bills each with different amounts AR Resources repsonse suggest that there was communication and issuance of financial assistance forms to be filled out when no such forms where provided to me. In my communications with the office of XXXX XXXX XXXX they expressed that all I needed to do was send an email expressing my financial hardship, which I did several times. AR Resources does not have the right to my health insurance information this is an invasion of my health information privacy. HIPPA Regulations have been violated and for that reason I have reported both XXXX XXXX XXXX  and AR Resources.