davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX RE : XXXX XXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER CONSUMER ID : XXXX Dear Sir/Ma'am, NOT A REINVESTIGATION CEASE ALL COMSUMER REPORTING UNTIL REQUEST ARE COMPLETE. 
I  XXXX XXXX/Consumer to ChexSystems in response to your bank statements from XXXX XXXX XXXX and XXXX XXXX these items were not sufficient verifiable information. I would like to request additional documentation for my records. You state the accounts were verified and updated, yet you did not provide me with the documentation used to verify each. Please send me all information with my signatures agreeing to give XXXX XXXX  XXXX and XXXX XXXX permission /authorization to sell/report/share/transfer any of my information with ChexSystem, as this is illegal according to FCRA. If your agency has any other supporting documents to prove I gave my written permission/authorization please send them as soon as possible. 

Per your status sections on the account ( SUSPECTED FRAUD ACTIVITY ) what is your JURISDICTION? Please share with me more information on your data systems used to determine a Consumer 's worthiness. I do understand several of your data systems require permissible purposes from Consumers. Please help understand your data system scoring, functions, PERSONAL/PUBLIC RECORDS ( how are they protected ), cross-referencing your customer. QUALIFILE, XXXX, XXXX, any information pertaining to me within your data systems outside of the disputed items please send for my review and personal records. PLEASE PROVIDE MY FULL CONSUMER DISCLOSURE FILE NOT CONSUMER REPORT AS YOU HAVE ALREADY PROVIDED THIS AT MY FIRST ROUND.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 2019-08-04
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: TIDEWATER FINANCE COMPANY, INC. (NC)

I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX  ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX   Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've contacted XXXX  XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax 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 Equifax '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 XXXX
Consumer complaint received 2022-06-01
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. (NY)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-01
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. (NY)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau (OK)

ReferenceXXXX This debt is not mine. I would like an itemized receipt showing what this debt is for. I have not had any medical procedures recently that I was financially responsible and I believe this debt is supposed to be paid for by XXXX XXXX XXXX Im not sure what this debt is for and would like proof of services to either verify or deny this debt.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts University XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), University XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), University XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} ), XXXX/XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, High Balance {$6800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 2022-12-18
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. (FL)

Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. Acc XXXX. Balance : {$590.00}. 

Someone in the State of North Carolina rented a residential property in XXXX during the Covid 19 pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of North Carolina nor I have never signed any residential lease for any property in the State of North Carolina. I have been living in the State of Florida since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL, XXXX which is a private apartment complex managed by XXXX at XXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX {$590.00}.
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: Uprova Credit, LLC (TN)

See attached letter, subject : Statement of Credit Denial, Termination or Change, dated XXXX from Uprova Credit , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. It states that my request for a loan for {$500.00} was denied. I never did business with this company and did not apply for any loan from them.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MN)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ) via my XXXX XXXX  wallet. I also made deposits for a total amount of XXXX USD from XXXX to the fraudulent investment firm ( s ) via my XXXX XXXX wallet, for a total of XXXX USD. These funds were transferred from the wallet to an address unknown to me without my authorization. 

On XX/XX/XXXX, I emailed a Demand Letter ( dated XX/XX/2022 ) to Crypto.com per ADR Protocol. On XX/XX/XXXX, a Complaints Handling Officer from Crypto.com responded that " You acknowledge that you are responsible for ensuring the accuracy of any Instructions submitted to Crypto.com and that any errors may result in the irreversible loss of your Stored Digital Asset. Going forward we strongly urge you to file a police report and have the funds tracked down and seized by the Police. '' On XX/XX/XXXX, I emailed a Rebuttal Letter ( dated XX/XX/2022 ), to Crypto.com. The same Complaints Handling Officer responded that " as per the quote from our Terms and Conditions we are not in a position to offer reimbursement of your lost assets. ''
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (LA)

XXXX XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX : current creditor XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Current Creditor XXXX XX/XX/XXXX I advised all creditors that I had medical coverage and there should be no bill or debit I went over it with Medicaid and told them that they were advised to contact Medicaid and it would be paid.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

SLS Specialized Loan Servicing LLC Mortgage company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and XXXX for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by SLS to XXXX XXXX XXXX. Please see attached document. SLS has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and  caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX   XXXX
Consumer complaint received 2022-06-01
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. (MA)

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

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 2022-06-01
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)

In accordance with the credit fair reporting act account # 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 states a consumer agency can not furnish my account without my written instructions
Consumer complaint received 2022-06-01
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 2022-06-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

On XX/XX/2022 I closed on my home loan with AmeriSave. The home cost XXXX and in the agreement of sale, signed by both myself and the seller, I was to receive 5 % sellers assistance ( XXXX ). 
I received the closing documents on XX/XX/2022 that stated my closing cost would be {$5900.00}. I proceeded to get a cashiers check for that amount. On the day of settlement, XX/XX/2022 as I was shown the closing documents, I stated that the amount for closing had changed. It now read {$6600.00}. I pointed out to the Title Agent ( XXXX XXXX ), that the numbers were not the same. The Title Agent told me to phone AmeriSave  to see what had changed. My agents asked what usually happens in such cases and title agent said, Somebody needs to go get a check. In speaking with AmeriSave  I was told that there were additional fees that I am now responsible for. I then left the settlement table, drove to my bank and requested an additional check. I returned in 40 minutes and it was very hectic. I signed the papers and left. The sellers agent then phoned my agent to say that the paperwork was incorrect and AmeriSave had not accounted for the 5 % sellers assistance. The sellers agent then called the XXXX XXXX in hopes of stopping payment on the check and was told that the Buyers agent needed to call. When my agent phoned, she relayed the information to XXXX and thus far, no results. The seller refuses to honor his contractual agreement and my agent has received no updates from XXXX. My agent phoned AmeriSave and was told that there is nothing that can be done as the the loan has closed.