davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
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. (TX)

I have submitted several investigations to remove fraudulent accounts from my Equifax credit report. XXXX and XXXX has removed these fraudulent accounts that do not belong to me. I have also submitted a police report identifying that I was a victim of identity theft. The following accounts are fraudulent and they do not belong to me : -XXXX XXXX XXXX of XXXX XXXX XXXX -XXXX XXXX A XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (GA)

Equifax Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the XXXX pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from my credit report.
Consumer complaint received 2022-04-21
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. (VA)

CONSOLIDATED XXXX LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER EQUIFAX XXXX OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.
Consumer complaint received 2021-12-18
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. (MD)

Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.
Consumer complaint received 2022-12-27
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)

This is my XXXX endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-27
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. (KY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please discard the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (KY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please discard the following items that are harming my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (DE)

On XX/XX/XXXX, I rented a car in XXXX MI from XXXX XXXX XXXX XXXX and while I paid for the rental fees in advance, few days after after returning the car I noticed that I had an additional separate charge on my credit card for {$150.00}. I tried to call XXXXXXXX XXXX XXXX XXXX to clarify the amount but was put on hold for close to an hour and that happened multiple times. then I contacted my credit card and disputed the amount, my credit card company started a dispute and attempted to contact XXXX XXXX  as well, but they failed, and after 5 weeks, they closed the dispute, and the full amount was refunded to my account. Then on XX/XX/XXXX, I received a letter from Media Collection Inc. DBA Joseph , Mann & Creed , the letter was referring to an amount of {$150.00} which they were trying to collect on behalf of " XXXX XXXX XXXX '' apparently, the owner of XXXX XXXX XXXX XXXX 

The letter simply stated that they are trying to collect a debt that I owe to XXXX XXXX, and they shall use any information I give them to help collect this debt. 

Notes about this mispresented debt : 1- I have never been contacted by the original debt owner directly to clarify this amount 2- The amount which was listed is for Damage waiver and roadside assistance and the related taxes was not approved by me or explained as I had my own insurance. 
3- When I contacted the debt collection agency, they gave me a number to call and suspend the charge with XXXX directly, which I did and was told I shall receive a decision within 24-48. obviously, this didn't happen. 
4- The debt collection agency rep asked me to submit a dispute online which I did on their web portal, and I didn't receive any notification about their final decision as well and my case status 5- on XX/XX/XXXX I called the debt collection agency and asked for the status and was told that the case is closed but I am still in collection, which is unclear to me on really what does that mean and what's the impact to my credit as well as what do I need to do or the next step, and when I asked for clarification from the agent, she just said " you won't be able to rent from them and I will hang up '' I am now left with a mispresented debt which I tried to dispute and get some sense of its authenticity and how I could resolve this matter but was just left with no guidance and at risk of impacting my credit for this minimal amount and a debt owner who is nonresponsive and debt collector who didn't well presents the matter or explain my case to me and try to resolve it.
Consumer complaint received 2022-12-27
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Hello on XX/XX/XXXX, I've got 4 fraud transactions on my Citi double cash card. 

1. Home Depot ( XXXX ) {$600.00} 2. Home Depot ( XXXX XXXX XXXX ) {$160.00} 3. Home Depot ( XXXX ) {$110.00} 4. Exxon Mobil ( XXXX ) {$44.00} total fraud transaction {$910.00} Right after I've received a text message that Citibank sent me about the transactions, I've made a call to the fraud department to stop paying them because it wasn't me. 
Fraud department told me they will stop the card and issue me new card. 
however, although new card came to me, Citibank did not credit me for the fraud amount until XX/XX/XXXX. 

on XX/XX/XXXX, I've received a letter from Citibank stating that EMV chip was used to make disputed transactions.so they don't consider this fraudulent activity. 

next day I've contacted fraud department and explained again to XXXX who was the representative in fraud department. 
she told me there will be another investigation for my case also she asked me to send an email to fraud department with the evidence ( supporting document ) we've found while having a conversations on the phone. 

after weeks from the letter, XX/XX/XXXX today, I've called them again because my Citi account still showed the fraud transactions balance on it. 
while talking to the representative from fraud department, I've noticed that no one in the department looked at my case. 
representative from XX/XX/XXXX promised me for the new investigation because we both realized how I got fraud transactions. XXXX fraudulent requested replacement card from my account and used it to pay with the EMV chip reader ) which means more than proper reason to re-investigate the case. 
however, representative from today was repeating my case is closed Citibank will not investigate any further unless customer investigate on their own and bring new evidence. 
I've asked the fraud department several times to help my situation in good faith, but answer was the same. Fraud department will not help the customer unless customer brings the evidence to prove themselves innocent.
Consumer complaint received 2022-11-11
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. (SC)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX  I XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (RI)

IQData inc attempted to contact me in XX/XX/2019 I immediately called once I received the letter and spoke to the client directly. The manager apologized and said that the collection notice would be removed right away and that it was a mistake on their end. 

I received no further contact from the collection agency or apartment complex until XXXX when I received my security deposit back via check. 

The next time I was contacted was at my PLACE OF BUSINESS. The man I spoke to was wildly rude stating that he has my social security number, he knows where I live and who my employer is. He proceeded to raise his voice at me after I told him that I would not pay the amount he is asking for because I have proof that I provided proper notice to move out and did not violate my lease agreement. 

I sent him the notice to vacate form to which he called me back ON MY OFFICE LINE AGAIN after I asked him to NOT contact me at my place of business and told me that this is invalid because it is not signed by the complex. I then forwarded the email correspondence with the leasing manager where she asks for my notice and I send it to her via email. 

This man raised his voice after I stated that I have proof and will not be paying the balance that he says I owe stating I know where you live, where you work and your social this will be going on your credit report, good luck! He then hung up on me. 

I have sent an email to the company stating in writing for them not to contact me at my place of business again and providing the proof I have that I am not in the wrong here.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

We financed a new car through wells fargo auto XX/XX/XXXX and shortly after my wife and I were laid off due to covid. we still attempted to make the payments until XX/XX/XXXX when my father had passed I called and requested a deferment and they denied me for not having enough income. So I continued to try to make payments when I could. Come XX/XX/XXXX they repod the car and I borrowed money off my mother from my father 's life insurance to get it back but was still out of work. Do attempted to make payments when I could and I requested a deferment again in XX/XX/XXXX was denied for income and then again in XXXX and XXXX. I was setting up payments ahead of time for whatever I could pay between {$100.00}. and {$400.00}. Well XX/XX/XXXX I called in to set up two more payments after paying {$400.00}. between XX/XX/XXXX and XXXX XXXX and they told me " sorry we charged the account off XX/XX/XXXX ' they refuse to let us reinstate the loan and the also refuse to give other lenders the pay off amount in order for us to refinance. They never ever told us we weren't making enough payments and they definitely didn't tell me when I scheduled my payments on XX/XX/XXXX that if I dont pay x amount of dollars by XX/XX/XXXX they would repo the car. They also refused to allow us to defer again on that date. We were entitled to 3 deferments per life of the loan and we never used any of them because our hardship was too much of a hardship to qualify for it. We make more than enough money to pay this payment but we have been playing catch up on all of our bills since covid and trying to make this {$890.00}. payment plus all the late fees. if they would of let us defer just one time we would of been back on track and able to make all payments on all of our bills on time.
Consumer complaint received 2020-01-07
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)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature.
Consumer complaint received 2023-05-14
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 HAVE A MORTGAGE ON MY PRI, ARY RESIDENCE IT IS WITH XXXX XXXX. THIS LOAN IS NOT BEING REPORTED ON EXPERIAN, IT IS BEOING REPORTED ON ALL OTHER AGENCIES BUT NOT ON EXPERIAN. I REACHED OUT TO BOTH EXPERIAN AND XXXX EACH BLAMED THE OTHER, I PUT.A XXXX AGENT WITH EXPERIAN AND TO NO AVAIL EXPERIAN BLAMES XXXX  FOR NOT SENDING THEM THE INFORMATION, XXXX SENT ME A LETTER THAT THEY ARE INDEED REPORTING AND THAT EXPERIAN IS SIMPLY NOT REPORTING ON THEIR END. EXPERIAN HAS'NT CHANGED OR BUDGED THEY STILL DO NOT REPORT THE FILE. I HAVE ATTACHED THE XXXX LETTER TO THIS COMPLAINT PLEASE HELP I HAVE NO OTHER CHOICE BUT TO COMPLAIN THROUGH YOUR SERVICES.