davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-20
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. (FL)

On XX/XX/2022, at XXXX I had got an alert from XXXX XXXX XXXX Experian XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

1- XX/XX/XXXX ..i requested by phone they put in correct present address ( they were showing an old address as correct ) they did. 
2 XX/XX/XXXX i called because i noticed they deleted ALL THE OLD ADDRESS and should have just changed the correct address 3. When I called they verbally read to me all my old address.but said they could not undo the mistake of deleting the old address from report ... despite having them 4 .for the month of XX/XX/year>, XX/XX/year> the average account age, length of credit history and oldest account are correct. In XXXX they are incorrect and when I called they said it was becasue ALL old addresses were deleted. They even read the old address to me but would not undo the delete. So My credit history is wrong with respect to age of oldest account length of credit history and average account age. DESPITE THEY HAVE THE CORRECT OLD INFORMATION BUT REFUSE TO UNDELETE THEIR MISTAKE
Consumer complaint received 2022-04-20
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. (TX)

In accorda

nce with the Fair Credit Reporting, Everything has to be 100 % accurate on my report. The credit bureaus stated these acco
unt : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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: Social Finance, Inc. (VA)

Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.
Consumer complaint received 2022-04-20
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: Bliksum, LLC (VA)

Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

I will start by saying this is a long and difficult situation and I hope that this never happens to anyone else. This medical debt has XXXX parties involved MY INSURANCE COMPANY, XXXX XXXX AND RADIUS GLOBAL SOLUTIONS but I am only reporting my actual insurance company ( SUNSHINE HEALTH ) by not giving me the proper information/documentation in order to resolve this debt. In XX/XX/2019 I went to quest diagnostics to get my blood drawn. Once completed quest diagnostic billed my insurance company. My insurance company stated they only covered about 60 % of my bill which left me responsible to owe quest diagnostics in the amount of {$480.00}. XXXX then sent this unpaid bill to a debt collector called radius global solutions. I submitted a claim with my insurance company to see if they would cover the remaining balance of {$480.00}. After submitting the claim my insurance company ( XXXX XXXX ) went ahead and covered the whole amount of the {$480.00} but never not once did they communicate that with quest diagnostics or radius global solutions. Now I have a outstanding debt currently with radius global solutions that is affecting my credit because my insurance company failed to send anything over to quest diagnostics in order for them to cancel out this debt with radius global solutions. I have been consistently calling them in order to get something in writing via email or mail to state that they paid the bill in full. They stated that they would send something out over a month ago to my home address and never did. They also stated that they were unable to email me anything stating that they paid the bill off as well. Im so confused as to the fact that I am not able to receive anything stating that they paid the bill off or at least for them to contact quest diagnostics in order to resolve this issue.
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alorica Inc. (NJ)

My brother received a call from West Assist Management and told him I them {$1000.00} and that if I did n't pay them I 'd face legal action.They also tried to badger my brother into paying.I 've never given my brothers contact information to anyone. I also believe this information is incorrect.I have never had services with this company and have no knowledge of why they 're even on my credit report.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting, Everything has to be 100 % accurate on my report. 

The credit bureaus stated these account : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am informing you that Transunion is continuing to report fradugelent information after I have told them that these accounts DO NOT BELONG TO ME. This information is fraud, I have gave them the police report, identity theft report & requesting that they remove & block the accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( two accounts ), and XXXX. They also have names that don't belong to me on the report making it easy for any thief to access my information. The only name I have ever used is XXXX XXXX all other names should be deleted. I have never lived at any address other than my current address over 25 years. Please delete these inaccurate addresses that I have never lived at XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX . There are also inquries that do not belong to me as well. XXXX, XXXX XXXX, & XXXX/XXXX.
Consumer complaint received 2021-08-26
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: RGS Financial, Inc. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (GA)

When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (VA)

It was several loan taken out in my name while I was XXXX. As a single XXXX XXXX member, I have to leave a copy of my ID , drive license, Social Security, and power of attorney and guardianship in order for my children to go the doctor and etc. Loans from XXXX and SOFI Lending were all applied around the time. Credit Bureaus are reporting correct information. XXXXXXXX XXXX XXXXXXXX is saying debt collection. I shouldnt have to pay due to identity theft.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

* problem : Kia Finance does not acknowledge my property tax exemption for a leased vehicle and is reporting me as delinquent to the credit reporting bureaus. 

FACTS : * In XX/XX/XXXX, with my permission, my wife used a power-of-attorney to lease a XXXX XXXX XXXX while I was on an XXXX XXXX XXXXXXXX. 
* Between XXXX and XXXX, XXXX repeatedly paid vehicle property taxes on my behalf and then informed me that I had to pay them back. 
* Under Virginia law, my military  status made me eligible for an exemption. 
* So each time, I asked XXXX to provide me a copy of the tax bill so that I could contest the taxes. 
* Each time, XXXX failed to provide me a copy of the tax bill, instead sending me a printout of their computer screen saying I owed taxes. 
* ( One year between XXXX and XXXX, my wife paid XXXX for property tax without my knowledge, just to get XXXX to stop bothering us. ) * But each year thereafter, I continued refusing to pay XXXX the taxes until I received a copy of the property tax bill. 

* I continued to make each normal monthly lease payment. 
* Eventually, XXXX began applying my monthly payments against the taxes, and notifying me I am delinquent on my monthly payment. 
* XXXX also began reporting the alleged delinquency to the credit bureaus. 

* In early XXXX, I gave up on XXXX. 
* I went to the XXXX XXXX, VA, government myself. 
* XXXX XXXX, VA, denied my requests for archived copies of the tax bills. 
* However, a nice person there walked me through an alternative way to prove my tax exemption status. 

* I provided copy of this tax exemption paperwork to XXXX and requested the following : 1 ) written acknowledgement of my tax exemption between XX/XX/XXXX and XX/XX/XXXX, XXXX ) reimbursement of past property taxes my wife and I paid to XXXX but should not have paid, 3 ) correction of my payment records to reflect no delinquencies on my monthly lease payments, and 4 ) immediate correction of XXXXXXXX XXXX reporting to the credit bureaus so that I can close this vehicle lease in XX/XX/XXXX without issues. 

CONCLUSION : * As of XX/XX/XXXX, XXXX has failed to respond to my requests. 
* This lease ends on XX/XX/XXXX. 
* If these issues are not corrected by XX/XX/XXXX, my financial credit standing will be in jeopardy. 

* ( I XXXX from the military on XX/XX/XXXX. So, between XX/XX/XXXX, and the end of the lease on XX/XX/XXXX, I know I am no longer tax exempt. )
Consumer complaint received 2023-10-20
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/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
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

I filed a claim in XXXX for a package that was not received in XXXX. The item was a trampoline that was set to arrive in two parts. Only half of the item arrived thus making the product useless. The merchant agreed to refund me but said the credit card company would need to use an authorization code to reverse the other half of the charge. I reached out to them countless times and each time Ive been told its being escalated. Its been four months and nothing. Barclays has the worst customer service representatives and I urge everyone to reconsider when opening a line of credit with them. Their dispute process is lengthy and unfortunately very frustrating to navigate. As you can see in my documentation, the full {$440.00} was charged to my card. Days later, XXXX refunded me {$220.00} which is half the purchase price. Since the item was shipped as two different boxes and we only received one, we only had one box to return to the store however, we are still missing the other half of the order which is what we are disputing.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

My student loan is showing total XXXX. With multiple different tradelines of different amounts that I have no proof or ledger to have correct amounts, for these loans have been over 20 yrs old and different servicers and their accounting.
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Sezzle Inc. (LA)

Sezzle Virtual Card has not reported my account as paid in full since XX/XX/2022. I deigned up for their service because they report to the XXXX bureaus. They have not reported and this is affecting my credit utilization they are in violation of their terms and conditions and I would like to file a complaint against Sezzle.
Consumer complaint received 2022-04-20
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. (SC)

I have not signed any contract with either of these companies and furthermore I have NEVER given Equifax written consent to report on my consumer report. 15 USC 1681b ( a ) ( 2 ) clearly states the purpose of a consumer report. I have been disputing these same fraudulent accounts and charges for months with no results. I am writing to delete the following information from my file. I reported the identity theft to the Federal Trade Commission. I have enclosed my FTC report.
Consumer complaint received 2022-04-20
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: Social Finance, Inc. (VA)

I have written five dispute letters to each reporting credit accompany. It is the same results every time. I received results on XX/XX/XXXX, 2022, same results from previous results. I do not believe investigations are being done just receiving data ffrom database system and stating the information is correct. It is identify theft, as XXXX XXXX service member I was XXXX. During XXXX, I had to leave a copy of my ID , drive license, and Social Security, power of attorney to the person who it taking care of my children so my children could go the doctor and stuff. I want a thorough investigation. That is my right.