davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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: Sequoia Financial Services (CA)

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. SEQUIOIA FINANCIAL SERVICES has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with SEQUIOIA FINANCIAL SERVICES, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting SEQUIOIA FINANCIAXXXX SERVICES delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2024-01-04
Product: Credit reporting 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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
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. (NC)

Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX  by a recent investigation into the credit card account. Please remove immediately.
Consumer complaint received 2022-02-28
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. (HI)

account # XXXX XXXX XXXX is reporting inaccurate factual information on my XXXX and Equifax credit report and according to the FCRA XXXX it should be removed from my credit report. Equifax is reporting the number of months ' terms as XXXX and XXXX is reporting it as XXXX. XXXX is also reporting date last active as XX/XX/XXXX and Equifax is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by XXXX as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXXXXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX or XXXX my account was compromised. Someone deposited two bad checks in my account that I was not aware of. I notified Citi bank on XXXX in XXXX XXXX Nevada, they said they would open up an investigation. I gave them a police report like they asked and everything. Theyre telling me that I will wind up having to pay back what I didnt do. They have also taken my actual payroll check because of this fraud and also closed my account. I have given them all info I had and I feel like they didnt do enough to help me out in this matter. They just automatically closed my account when I didnt do this! I have been with Citi bank for over 8 years. Never have I ever had any problems with them until now. Never has the ever happened as well. I feel as though they can see clearly that I had nothing to do with this especially in the many years Ive banked with them.
Consumer complaint received 2022-02-28
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. (NC)

XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company XXXX XXXX XXXX keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.
Consumer complaint received 2022-02-28
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)

I consumer XXXX XXXX contacted Experian on behalf of my self there was no third party involved. I contacted Experian Via certified mail XX/XX/XXXX and received a certified mail return receipt which has been signed and stamped by an Experian Agent. I did not receive a response from Experian regarding my concerns or my dispute. Pursuant to 15 USCc 1681i ( a ) ( 1 ) Experian must investigate a claim within 30 days and failure to do so is a directly violation of 15 USC 1681i ( a ) ( 1 ). I am aware that if after 30 days the information can not b verified, or if the information is found to be inaccurate or incomplete, the information must be deleted. I am demanding that these inquiries be removed immediately. Experian has failed to comply with my demands this is a violation of 15 USC 1681i ( 6 ) ( A ) and the inquiries must be removed. Experian has willfully failed to comply with requirements under the FCRA causing damages to my reputation. which is a violation of 15 USC 1681n ( a ) ( 1 ) ( A ).
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights
Consumer complaint received 2021-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!
Consumer complaint received 2022-01-26
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)

I sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2021-07-06
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

There was a fraudulent account ( secured card ) opened with USAA without my knowledge or authorization. USAA has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. USAA adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and USAA couldnt provide me with any evidence that shows I opened that account.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: William D. Meeker Enterprises, Inc. (FL)

I did not give anyone my permission to have my personal information about my past eviction history to be place on public information or given to anyone. I did not give any agency permission to use my information and have it on their reports.. I need to have my personal information private..
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: FIRST ADVANTAGE CORPORATION (MI)

A temporary job service named XXXX had a background company called First Advantage run a criminal background check on me. The company found an old charge that should have been expunged based upon the stipulation of my probation and that the charge is XXXX years old.
Consumer complaint received 2023-01-06
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. (VA)

In accordance with the fair credit reporting act they have violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 

15 U.S.C. 1681 section 602 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

I have had insurance since I was born. Ever since I moved to XXXX the hospitals seem to put negative marks on my credit to collect money that insurance has already paid I dispute the negative marks and they go away because it has already been paid by insurance. This seems like an insurance scam. On XX/XX/XXXX XXXX XXXX XXXX XXXX put a collection account on my credit for {$1000.00}. I have called the hospital each time and they say that I do not have a balance ever and that my bill has always been paid by insurance in full. I called XXXX XXXX XXXX XXXX billing department directly and they say the same thing that I do not have a balance and all bills were paid in full by insurance. How do I get them to remove negative marks they put there if they claim it is not them and block them from putting anything negative on mu credit in the future? This is not the only company that does this. XXXX XXXX XXXX XXXX XXXX does this as well. On XX/XX/XXXX they did the same thing and it still has not been removed. I have called and they say I have no balance and all bills have been paid by insurance in full. How do I get them to remove the negative mark and block them from future fraud that they keep doing to my credit?
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

A collection agency named NCB Management Services Inc has contacted me several times over the last two years regarding a debt of {$3500.00}. I sent them a certified letter on XX/XX/2021 asking them for proof that I actually owe this debt. The letter sent is attached as well as USPS Certified Mail Receipt and tracking information showing letter was delivered. In the letter I asked for an original contract from the company that they purchased the debt from as well as any and all information they used to determine I in fact owe this debt and the method they used to verify this. They replied via letter mailed by USPS that I received on XX/XX/2021. They did not provide any proof or verification that I owe this debt. They simply stated in the letter that they investigated my notice of dispute and couldn't substantiate my allegations. They did not provide any means of how they came to this decision or any documentation showing the debt is mine. I feel this is unacceptable and a violation of the FCRA. I have enclosed the response letter from them. This collection has not been validated as mine, there is no proof the debt is mine and no explanation as to how they came up with this decision. This company is reporting this frivolous claim to the three credit bureaus and has affected my credit and ability to obtain a mortgage. I feel this company must either prove this debt is mine with documentation showing I was in fact under contract to pay this amount or they need to have this collection deleted from all three credit bureaus. Simply stating they investigated it without showing me any proof they did investigate it as well as no proof I in fact owe this debt is not valid nor acceptable and is a violation of my rights under the FCRA guidelines. Please investigate this matter.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX in me, and I found unverifiable, invalid, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correctly to my credit report. Experian is reporting an inaccurate late account date XX/XX/2021 In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-02-28
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. (AZ)

I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

A gym membership with XXXX XXXX XXXX - XXXX, has reported as gone into collections and was reported on my TransUnion account as of XX/XX/26 ( I was not able to see it in my TransUnion credit report because they have me " locked out '' from my own report ) luckily I have a few credit monitoring service and I was able to see this and contest this immediately. 

There is no way that I owe this gym any money, never mind being in collections. Do you credit bureaus even do any real leg work to see if this information is correct or just take payments from any company that wants to report consumers over inaccurate items or gripes?
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My credit report is still showing old XXXX debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I sent in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A. (WI)

On XX/XX/2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.
Consumer complaint received 2022-02-27
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 — Problem with personal statement of dispute
Company: Caliber Home Loans, Inc. (OK)

I sold my home in XXXX 2018. My loan was with Caliber Home Loans. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.
Consumer complaint received 2021-06-01
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. (NV)

XX/XX/XXXX {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
Consumer complaint received 2021-05-31
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.