davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jvs group (TX)

JVSGROUP {$2600.00} {$0.00} 4 accounts reported on XX/XX/XXXX 0 accounts reported on XX/XX/XXXX Open Account # 1 {$1200.00} Balance XXXX  CLINIC Original Creditor {$1200.00} High Balance XX/XX/XXXX Opened DateXX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
Dispute an Error This agency did not report an open account to this bureau.
Open Account # 2 {$900.00} Balance XXXX HOSPITAL XXXX Original Creditor {$900.00} High Balance XX/XX/XXXXOpened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
Dispute an Error Open Account # 3 {$150.00} Balance XXXX HOSPITAL XXXX Original Creditor {$150.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
Dispute an Error Open Account # 4 {$360.00} Balance XXXX HOSPITAL XXXX Original Creditor {$360.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
This company refuses to provide me verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ) on 4 collection accounts in their office. I am demanding proof of this debt for any and all accounts. Consider this a direct dispute because this is not my debt and this is defamation of character for all 4 accounts. I have spoken with numerous people that this company has done this too. They are very hateful on the the phone and use many unfair and deceptive collection practices. Last 4 of my social are XXXX  and my address is XXXX XXXX XXXX XXXX TX XXXX. I need proof I owe this debt. Also I will be contacting an attorney to seek actual and statutory damages against you and your client. I will also be contacting your client to notify them of your unfair practices and inform them what kind of agency they have hired.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-15
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. (DC)

I applied for a car and got 4 hard inquiries for that car. I have 2 XXXX  credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Originally, I had made a claim with Bank of America because I was scammed, a fraudulent charge where I did not receive my item. On XX/XX/XXXX, I had initiated this claim for approximately {$250.00} that I had sent to a merchant through XXXX. XX/XX/XXXX, BofA had sent this dispute to XXXX, to which they had messaged the seller asking for anything such as tracking information, etc. XXXX did not get a response from the seller, further proving my case which then they had sent that response back that they did not hear back from the seller on XX/XX/XXXX. I have now since checked the claim, and it has been set as " resolved - claim not paid '' even though I was clearly scammed, and I have proof of direct messages between both the seller and I, and that I had not received my item and still have not. 

Attached below are screenshots of the direct messages that the seller and I had exchanged, I had deleted my address out of the direct messages. But, at the end his profile is shown to show that he blocked me, I have no way of further communicating with him and I still have not received my item so I was scammed.
Consumer complaint received 2022-05-15
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. (IL)

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-05-15
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)

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AK)

I have been using PayPal for few years now until recently they decided to permanently limit my account for 180 days with some dollars in it. They later asked me for documents to verify my identity of which i sent and they sent me an email that they have approved my documents. Surprisingly enough they did not lift my ban because I can not transact. It was very unfair limitation and I needed the money urgently.
Consumer complaint received 2021-10-28
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)

XXXX IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.
Consumer complaint received 2022-05-15
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. (SC)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-15
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. (WA)

Dear Equifax, I am writing to request a correction of the following information that appears on my Equifax consumer report : Dispute : Account Number or other information to identify account : XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Dates associated with item being disputed : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Explanation of item being disputed : I would like to state that Equifax Is in violation of 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have stated above the 10 accounts that are being furnished illegally on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed, I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681. ( A ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report, it has caused me to lose confidence in the banking system. If Equifax wants To continue doing business with me, they should delete these inaccurate accounts off my consumer report. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-16
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. (NJ)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-15
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. (TX)

I sent out 2 letters each on XX/XX/2022 through certified mail to XXXX, XXXX and TransUnion to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report.

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered XXXX XXXX
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing in regards to my credit reports with XXXX, equifax, and XXXX. I contacted all 3 bureaus XX/XX/2022 in regards to inaccurate information reporting to my credit reports requesting a validation of debt letter on the behalf of the invalid information being reported niether of the companies responded with a written response with proof of all accounts inaccurately reporting binding me to these accounts. I did not receive the requested information no contract or signatures and under the Fcra these accounts must be removed due to the bureaus not responding with the validated information I asked to be provided of.
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Target Correct name ( XXXX XXXX XXXX ) any thing other than this should be changed or fixed.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (NC)

These inquiries on my credit report are unauthorized XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 These inquiries are unauthorized nor have written consent with my signature
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These inquiries on my credit report are unauthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 These inquiries are unauthorized nor have written consent with my signature
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: Aldous & Associates, PLLC (FL)

Aldous and Associates is a terrible collection agency. Told the company I wanted this account removed from my report post payment in full for balance on XX/XX/XXXX for {$160.00}. Collector reported bad information back to XXXX XX/XX/XXXX with the account showing " open '' when it is closed, Collector re-reported the collection balance as " {$160.00} '' when it is " {$0.00} ''. Collector does not follow good practices and has no urgency to fix the problem even after explaining this big error on their behalf took another tool on my credit report. Terrible service and company! Have disputed with the Credit Bureau twice with no resolution. Being the account was a collections account this took another hit on my credit.
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC (GA)

Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX and previous state of residence, XXXX is six years. I have requested not to be contacted and the collection agency continues to do such.
Consumer complaint received 2022-05-15
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 2022-05-15
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 2022-05-15
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. (KY)

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I was sold a 2012 XXXX XXXX, I put XXXX down and the cost of the vehicle was XXXX. I seen on the loan documents that XXXX is what it has to say for the company, and was advised I can refinance if i wanted to in a year. I signed documents not knowing what the lingo meant. My monthly payments were XXXX. I tried to refinance in a year with the hopes of smaller payments I was told I couldn't because the vehicle is too old, fast forward I've been paying 4 years without being late and I realized I've paid XXXX for this vehicle something isn't right I called to ask what was going on they stated my interest rate was 21 % do I'm paying interest. I tried to explained I didn't know what I was signing and asked for a payout they gave me one but only XXXX off of what there saying I owe. Please can someone help
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ZIONS BANCORPORATION (UT)

8 months ago I applied for a refinance of our home in excess of XXXX - took awhile but the appraisal and all was approved - 4 months ago I went to same bank and requested a Heloc of XXXX - they were running a promotion which I was assured I would qualify for. 4 months and document after documents I was assured that we qualified - no problem - XXXX credit score and 30 % or more equity. The underwriter at Zions Bank did not want us to still obtain the now expiring promo and we were told to cancel this application and reapply - why reapply- they had all the documents- so instead the underwriter wanted us to show them 5 times our home deductible- over XXXX XXXX- never asked for the XXXX refinance - this smells like XXXX- very disappointed in this finance agency - I have no issues if we can not qualify - but a run around for 4 months - a real scam
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # 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