davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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. (AR)

My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX for Violating Federal Laws Dear Equifax Information Services, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX for multiple violations of federal laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). These violations have had a detrimental impact on my credit report and financial well-being. 

Firstly, XXXX XXXX XXXX XXXX XXXX has violated 12 CFR 1006.34 ( b ) ( 5 ) by inaccurately reporting information to credit bureaus. Despite my consistent and responsible credit card usage, XXXX XXXX - XXXX XXXX  has misrepresented my credit history, resulting in unjustified negative impacts on my credit score. 

Additionally, XXXX XXXX XXXX XXXX XXXX has failed to comply with 12 CFR 1006.34 ( c ) ( 4 ) ( i ) which mandates prompt investigation and response to consumer disputes. I have submitted multiple disputes regarding the erroneous information on my credit report, but XXXX XXXX XXXX XXXX XXXX  has neglected to investigate and address these disputes in a timely manner. 

Furthermore, XXXX XXXX XXXX XXXX XXXX has violated 12 CFR 1006.34 ( d ) by failing to provide me with written notice of the results of the investigation into my disputes. Despite my repeated requests for updates on the status of my disputes, XXXX XXXX - XXXX XXXX  has neglected to provide me with any formal communication or resolution. 

Lastly, XXXX XXXX - XXXX XXXX  has contravened 15 USC 1681-S2 ( 7 ) ( A ) which prohibits the furnishing of inaccurate information to credit reporting agencies. The inaccurate reporting of my credit history by XXXX XXXX XXXX XXXX XXXX  has unfairly damaged my creditworthiness and financial standing. 

I urge Equifax Information Services to take immediate action to investigate these violations by XXXX XXXX - XXXX XXXX  and rectify the inaccuracies on my credit report. I request that Equifax Information Services work diligently to ensure that XXXX XXXX - XXXX XXXX  complies with federal laws and provides me with the appropriate remedies for the harm caused. 

Thank you for your attention to this matter and your assistance in resolving these issues promptly.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (NY)

There was a debt of {$4400.00} that was owed to MILITARYSTAR. It was paid out of our income tax return from the treasury on XX/XX/2023. XXXX put that they updated to charge off instead of removing after collection was paid.
Consumer complaint received 2022-02-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

I first reached out to rocket mortgage on XX/XX/22 for a loan. They checked my credit XX/XX/22. I gave them all information concerning employment, debts, income etc. I was told everything was good and to pay a 100 % refundable XXXX $ deposit. I specifically asked on the recorded line if it was refundable and the mortgage lender said YES. Over a month goes by and Ive been talked in circles and lied too to find out my application has been denied with no reason why. I did some research and spoke with another lender and was told within 30 seconds we wouldnt qualify for a fha loan with the recent job change since the length at current job wasnt long enough. XXXX XXXX at Rocket mortgage bait and switched to get my deposit knowing this would never be approved in the first place. Now they will not give me a refund. I just want someone to look into this and hopefully get my regains or do anything they can so this doesnt happen to someone else. I was blatantly lied too and essentially stolen from.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get remarks removed from all 3 credit bureaus TransUnion XXXX  and XXXX  after numerous attempts they still refuse to remove these remarks off of my credit report, they have violated the fair credit reporting act by denying my requests. This is my fourth attempt to get this resolved and they still havent removed these negative remarks.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 EXP 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 2023-02-02
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. (MI)

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!
Consumer complaint received 2022-02-24
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. (FL)

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the customer service department did not help remove the negative inquiries that are reporting on my credit report.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (NV)

i have been paying my mortgage bi monthly, every two weeks i get a call from home point and explaining how i get paid on the XXXX snd the XXXX of every month, bank statements to show this, they reported XXXX payment 30 days late, which is not by the letter for homepoint stating it was up to date, they sent a letter stating they will not fix it
Consumer complaint received 2020-04-09
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. (AR)

My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (WA)

I recently disputed this debt collection online. I received a letter back from United collection bureau. It does contain HIPPA violations. The letter they sent me contains dates of service, procedure codes, and procedures completed. I request that this collection is immediately removed from my credit and all attempts to collect are ceased. They have violated my medical privacy.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I don't owe anything to JEFFERSON CAPITAL SYST with account number XXXX. They should have confirmed this from the Original Creditor 12 XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

I don't owe anything to CONGRESS COLLECTION with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX  since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX : I can not access my report on no webiste, not XXXX XXXXXXXX, XXXX or annualcreditreports.com. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

Transunion : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.
Consumer complaint received 2022-02-21
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. (MI)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$73000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Dismissed XXXXXXXX  XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Filed XXXX XXXX Bankruptcy XXXX Dismissed
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent inquiries. I have included FTC report # XXXX along with a cover letter and drivers license and utility bill.
Consumer complaint received 2023-05-17
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. (FL)

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX  has failed to do this.