davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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. (KY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-03
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. (PA)

My service contract with XXXX was cancelled prior to the first bill due. The records wasn't updated and the XXXX XXXX XXXX didn't notify the financial department. I have an email as proof. The account has been removed from both XXXX & XXXX, But not Transunion.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
Consumer complaint received 2024-03-06
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. (KY)

After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as Im XXXXpct Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.
Consumer complaint received 2022-02-22
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. (VA)

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-12-03
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-22
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: Bragg and Associates Real Estate LLC (SC)

Bragg Associates who is the owner of my HOA for my home is reporting the annual fees for my HOA as an open loan and it is affecting my credit score, income ratio and causing me not to apply for new credit.

This is paid in full every year but is listed as open credit.

Bragg has been contacted but refuses to do anything about it.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

XXXX ACCOUNT ON MY EQUIFAX REPORT SHOULD BE DELETED ITS BEEN SEVEN YEARS SINCE MY LAST PAYMENT THAT WAS ON XXXX 2009 WHEN I TURNED THE CAR BACK TO XXXX FOR EARLY TERMINATION OF MY LEASE THE OTHER XXXX CREDIT COMPANIES EXPERIAN AND TRANSUNION HAVE ALREADY DELETED XXXX BECAUSE IT HAVE BEEN SEVEN YEARS THAT PAST AND EQUIFAX IS REFUSING TO DELETE THIS ACCOUNT FROM MY CREDIT FILE I ATTCHAED A COPY OF MY EQUIFAX REPORT SHOWING XXXX AND THE DATE OF MY LAST PAYMENT
Consumer complaint received 2022-02-22
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)

I had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX XXXX. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to Experian, XXXX and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX XXXX  in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-08-19
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. (GA)

I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted inland debt management company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to XXXX. XXXX debt management company contacted XXXX and got my loan further reduced to {$27000.00}. Which is how much I paid XXXX. I completed the payments in XXXX of 2020. And now they gave my account to XXXX debt collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.
Consumer complaint received 2022-02-03
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. (PA)

I am writing to delete the following information in my file. The item I need deleted is in the report. I am a victim of identity theft and did not make this charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. And I also enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete this item as soon as possible.
Consumer complaint received 2021-06-12
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: EQUIFAX, INC. (GA)

Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from XXXX  stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

Equifax also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.
Consumer complaint received 2021-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello on XX/XX/2021 I mailed out a dispute letter to dispute incorrect information such as my old address, incorrect name, and phone number off my credit report. 

I included the following information in each letter including a copy of social security and a copy of my drivers license with my current address. 

On XX/XX/XXXX I received a letter back from Transunion stating that I had not provided my drivers license neither a copy of my social security. Which is false. I provided each documentation they stated they didn't receive. 

XXXX  also sent me a letter stating that I had not applied for credit recently, that I have not used credit in the past 10 years or have I lived in the u.s. and do not have a government issued social security card.

This report is false because I have credit history, I was born in the u.s. and I provided a copy of my social security card and drivers license. 

Also XXXX  credit bureau I have not heard anything from them in a month. 

I have provided all the documentation required and I stated that they remove my current reported billing address, phone number, any names that are incorrect. 

It has been well over 30 days.
Consumer complaint received 2018-08-20
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. (MO)

Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXX XXXX. I was in because I was 1 of the 300 top wage earners in the maintaince dept. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX  XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's XXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still Equifax for sure and maybe others. I haven't even been able to look at Equifax becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.
Consumer complaint received 2022-10-07
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. (TX)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-22
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. (MI)

I had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and TransUnion they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Consumer complaint received 2019-07-30
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. (UT)

XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.
Consumer complaint received 2022-12-03
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.