davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have disputed with Equifax about XXXX XXXX XXXX Acct # XXXX. Upon completion of their investigation I received paper reports stating the account was deleted. I also have credit monitoring screenshots from credit karma that shows the account was also to be removed. I pulled my Annual Credit Report for Equifax on XX/XX/2021 and the account is still showing. I have also pulled my Identity IQ report that was refreshed on XX/XX/2021 which also still reflects the account on credit file. The dates for the removal of the account was on XXXX different occasions : XX/XX/2021 and XX/XX/2021. I have not received any notices claiming they were going to reinsert. I have been disputing this account since before XX/XX/2021. However, I have only attached screenshots from the most recent investigation. Equifax simply refuses to remove the account. They are violating my rights. Their refusal is causing a negative impact on my credit score. I have sent additional disputes with copies of screenshots as well as the paper reports they sent me back to them and they still will not update my credit report. They claim they can not re-investigate a dispute that has already been investigated with proof! How is that even possible? I am not sure what else I need to do. Equifax 's refusal to remove an account that was supposed to be removed TWICE WITH PROOF is a violation of my rights to an accurate credit report! Their lack of concern for consumer law is negligence!
Consumer complaint received 2023-01-03
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2019-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On or around XX/XX/2018 a credit inquiry from Capital One Bank USA showed up on my credit reports. I do not know whp this is, have never applied for any goods or services with them and have never authorized any inquiries into my credit. This is NOT mine.
Consumer complaint received 2023-01-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-04
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC (NE)

XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX of XXXX sent a garnishment of wages to my job from a summons i literally got XX/XX/XXXX of XXXX, XXXX  years ago. I have not received a summons since then and the statute was over on this bill in XXXX. I refuse even owing this money and the dentist isn't even a dentist anymore. He was rude on the phone and very unprofessional telling me that i do owe this money and he doing everything legally.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Peter Roberts & Associates, Inc. (GA)

Peter Roberts & Assoc. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : XXXX XXXX XXXX XXXX  The creditor is collecting debt fraudulently! I opened my XXXX credit report to see the creditor is collecting debt from car Insurance ( XXXX XXXX ) He as sold this falsified information, or he is a XXXX I don't have health insurance under XXXX XXXX and I never had health insurance under XXXX XXXX. 

I've called his business twice, I left a message. The company never answers the phone. I have left messages and a phone number to call me back and no response. This information isn't on my health insurance or the health facility where I was seen. I've asked for this information to be mailed to me in a voice mail left at his office. I've called the clinic ( XXXXXXXX XXXX XXXX XXXXXXXX. ) they don ; t have a record of the service and neither does my insurance. 

Please remove this burden from my credit bureau file. 

Thank you, in advance.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC (VA)

I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CO)

I disputed this opened account through National Credit Systems of the amount that their saying I owe them when I don't have any knowledge of who they are. I got no response from them at all. 
The account was opened 2 yrs ago and 6 months. There is a balance of {$960.00}. I would like it to be removed because I don't even have a knowledge of who they are.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right

s. 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 States : A consumer reporting agency can not furnish an account without my written instructions. I never gave my written consent for the furnishing of any of these accounts. My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Consumer complaint received 2022-08-18
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A. Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts.

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (CA)

XXXX has not removed a fraudulent account that was a result of identity theft. This account has already been removed from XXXX XXXX and XXXX and I have supplied all supporting documents, I am a victim of identity theft and this fraudulent account needs to be removed immediately.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (AL)

Several years I've tried to

ge t a Home Depot credit card but I'm always denied for an inaccurate reason. Today was the first time I've spoken to an agent that I could understand. I have Good credit yet they constantly put me on hold and then ask is there another number that I can receive text I reply no. I have one mobile number and one home no matter which I give I'm denied.

Each time I'm being denied my scores drop. I'm being unfairly denied for some personal reasons by Home Depot Credit Services. The credit card services CITI Bank told me it was Home Depot decision although I have a credit card from the same provider. 

Dates : XXXX thur XXXX denied Home Depot  : untruthful and misleading
Consumer complaint received 2019-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (MS)

I have been to XXXX XXXX only on emergencies and I have XXXX insurance they never did anything for me in the emergency room they only referred me to other doctors I don't understand how this could be affecting my life so much when they really have no right to be trying to collect anything they charged my insurance
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}
Consumer complaint received 2019-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I received from my mortgage company a statement of my Escrow Account Projection for the coming year in the mail the end of XXXX XXXX.that 's when I noticed that my mortgage payment had increase {$170.00} dollars more than it was so I decided to call to see why my mortgage has change I was told that my city taxes has increase from {$9.00} to XXXX and I need to find out from my city taxes department why the increased. I called my city taxes and I was informed that my city taxes didn't going up. So I called my mortgage company back informing them that my city taxes company said that my taxes did not go up and the responds to me was what they paid the city and that my escrow account was low. Then the mortgage company asked can I get a copy of my city property tax paper to send to them and they would work on resolving the problem with my mortgage increase. But as of today XX/XX/19 they have not fixed my mortgage payment and had to paid them for 2 months mortgage and put money in my escrow account because their pay by phone services did not apply my money to my account and I was not informed or notify until I called them.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Gregory Alexandrides, LLC (MD)

I was experiencing severe financial hardships, and I fell past due in paying my HOA dues. I was current and paid the HOA fees on time from XX/XX/XXXX up until XX/XX/XXXX is when I fell behind. I paid on time quarterly for six years. I was in and out the hospital in both XXXX and XXXX and became consumed with doctor bills which caused me to fall behind on payments. As of XX/XX/XXXX my balance was {$560.00}. As of XX/XX/XXXX my balance jumped from {$560.00} to {$1500.00}. I am not sure how the balance nearly tripled in a matter of three months. If I couldn't afford {$560.00} how can I afford {$1500.00}. They are charging late fees and legal fees which I don't believe are legal. I made payment arrangements, however I could not afford the payment plan. I contacted them today and my balance has increased from {$1500.00} to {$2000.00} which is ridiculous. I was prepared to pay the amount I owe but I can not afford the illegal excessive late, collection, and legal fees. Again I am willing to pay but please let me know the amount I owe. In addition I am an employee at the CFPB and I will be escalating this to our Enforcement division because I know this is illegal. I was told I was charged {$1000.00} in attorney fees which is the cost to prepare documents. It is no way it is legal to charge a consumer almost {$1100.00} to type and mail in documents. Furthermore I don't even believe this is a law firm this a collection agency posing as a law firm. I will also be filing a complaint through the Congressional office. Again I am ready and willing to pay what I owe but I will not be paying the illegal fees you all are adding to the balance.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: EarnUp Inc. (VA)

I use a company called EarnUp to take a biweekly draft from my checking account and once a month send the payment to my mortgage company. I am paid biweekly which means 26 paychecks per year. Twice a year EarnUp will deduct a third payment and send it as an extra principal payment. This is roughly {$1000.00} that is sent as an extra principal payment twice a year. The third deduction occurred in the month of XX/XX/XXXX. They deducted a payment of over {$1000.00} on XXXX, XX/XX/XXXX and XX/XX/XXXX. I checked my mortgage statement and discovered today, XX/XX/XXXX that EarnUp still has the extra principal payment of over {$1000.00}. I called the company and was told that they will not send it until XXXX 's payment. EarnUp is holding on to an extra {$1000.00} for 2 months when they can easily release the payment and send it to my mortgage company. I expressed this to the rep and was told they will not release it until the XXXX payment. I have a big problem with this business practice and feel that it is highly unethical to hold a customer 's money for this length of time. At the end of the day, it is costing me extra interest because they additional principal payment made on XX/XX/XXXX is held for all of XXXX and XXXX.
Consumer complaint received 2022-08-18
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. (KY)

Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX.

2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX  and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.
Consumer complaint received 2022-09-04
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. (GA)

I asked the credit reporting agency to check everything on my credit report, they said they did, said everything was correct and verified, but I still found mistakes on my report. 
account # XXXX ... ... U.S. DEPARTMENT OF EDUCATION. In accordance with the Fair Credit Reporting Act. XXXX account # XXXX has violated my rights 15 USC 1681 section 602A states that I have the right to privacy. In 15 USC 1681 section 604A section 2 states that a consumer reporting agency CAN NOT furnish a account without my written instructions. I need thus account removed.
Consumer complaint received 2022-01-19
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. (LA)

Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections:XXXX