davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those aforementioned items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX WASXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-26
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. (FL)

On XX/XX/2022 a credit card account XXXX XXXX XXXX XXXX XXXX fraudulent under my name and the bank as well as the credit report agencies Transunion, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.
Consumer complaint received 2022-05-26
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. (FL)

On XX/XX/2022 a credit card account XXXX XXXX XXXX XXXX XXXX fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and Experian are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.
Consumer complaint received 2017-07-11
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. (TX)

Sent certified letters to TransUnion LLC regarding validation of debts received and signed for on  XX/XX/XXXX     @  XXXX . Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion.  Consumer  contacted  Recorder  of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).
Consumer complaint received 2023-02-06
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-05-26
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 — Investigation took more than 30 days
Company: American First Finance, Inc. (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: AES/PHEAA (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have asked for proof of this money the company the say they bought {$1100.00} is  XXXX   XXXX  and yet there is not record or proof on any of my credit reports and I have asked for a letter from the original debt and them and have received nothing to prove its mine PORTFOLIO RECOVERY ASSOCIATES Last reported :   XX/XX/XXXX     - {$1100.00} Needs Attention Overview You 've paid off 0 % of your collection amount.   Balance {$1100.00} Highest Balance {$1100.00} Opene d XX/XX/XXXX ( 3 m os ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022 a credit card account COMENITY XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX & XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. 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 credit 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.
Consumer complaint received 2017-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Services is refusing to review loan workout package. Advised that they will only foreclose. Full document packaged received by serviced on XXXX/XXXX/XXXX. 
They confirmed it was in house. Advised no sale date. Advised that I need to vacate home and they would secure it. To let it go to foreclosure.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX    I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter   XX/XX/XXXX    . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In accordance with the Fair credit reporting act XXXX account number XXXX Hunter Warfield  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 2017-07-11
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. (PA)

On  XX/XX/XXXX   I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX   . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
Consumer complaint received 2022-05-26
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. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} TransUnion : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}
Consumer complaint received 2022-05-26
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. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}
Consumer complaint received 2022-05-26
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. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}
Consumer complaint received 2017-07-11
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. (PA)

On   XX/XX/XXXX     I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX  .  All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
Consumer complaint received 2017-07-11
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)

I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
Consumer complaint received 2023-10-16
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. (GA)

I received my credit report and noticed there are hard inquiriries that don't have permissible purpose to be there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I have attached the inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2022-05-26
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)

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance on XX/XX/2022 {$1600.00} XXXX XXXX XXXX XXXX LATE PAYMENTS Original loan amount {$20000.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-11
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: Ridge & Valley Realty, Inc. (CO)

I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to XXXX XXXX for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I have been trying to close my Huntington XXXX XXXX account for the past month. I have attempted to close it via chat and was told they couldn't close it via chat but to call in. I then called in on XX/XX/2022 and was told they can not close it over the phone and I would have to come into a branch. I explained that I would rather not since I have a compromised immune system. I asked if there were any alternatives like an address to send a letter to asking to close it. She was not able to provide an address. I would just like to close my account without getting COVID. I'm appalled that in 2022 this is the only way I can close my account and make sure I don't get dinged with dormancy/monthly fees. If this is how they plan on making money as a business It's a little crazy.
Consumer complaint received 2022-05-23
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. (FL)

The following Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with TRANSUNION and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA and LAW. I would like for these accounts to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my Credit File and Credit Report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information