davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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. (GA)

XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX. 

On XX/XX/2019 I made a payment on time for the amount of {$100.00}. This payment was paid on time as agreed. 

On XX/XX/2019 I made another payment of {$870.00} in an attempt to increase my credit score and lower my account balances. As I am trying to obtain a mortgage. I received confirmation both payments were made and taken from my XXXX XXXX account. 

On XX/XX/2019 I was notified via XXXX XXXX of a over 30 day late payment on this account. Having realized this was an error and the payment was made as agreed, I called and thought this to be easily corrected as an error. Instead, I was told they have no method to correct errors reported and I would need to dispute the error. I explained I needed this corrected now as it will effect my mortgage. Instead, I was told that an error occurred and they could not identify the error but there system did not take the payment as I was advised and that because of this unknown error they would waive the late fee and take a phone payment at no cost for the trouble. I said, I could care less about the offer I wanted to make the payment and have my credit reporting error corrected. I was told they could not remedy the error as it was unlawful to change the report. 

I have made the payment in good faith. The payment was not returned from my error or NSF. It just did not go through. No one ever called or emailed me to advise the payment was late or did not process. Instead without me being told they took the credit of my payment away and did not bother to send me certified mail, email or call me. I had to contact them after being notified via XXXX XXXX.
Consumer complaint received 2019-02-14
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. (TN)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately.
Consumer complaint received 2023-01-12
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. (NY)

Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX  XXXX is not mine and needs to be deleted from my consumer report. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, TransUnion, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since XXXX, XXXX.
Consumer complaint received 2019-02-14
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 refuses to comply with FCRA regarding identity theft they were the cause of a huge security breach and I was one of the people affected. Equifax refuses to remove incorrect information and time and time again I have sent them police report identity theft report Letters conversation ends to no avail. When the CEO step down whoever oversees the fraud and the identity theft department at Equifax credit bureau also should have stepped down or been terminated because it is poorly run my livelihood is on the line because of this despicable credit bureau not reporting correctly
Consumer complaint received 2019-02-14
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. (KY)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX, and Equifax credit report. 

2. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my XXXX, XXXX and Equifax credit report. 

4. The inquiry was not authorized XXXX/XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX/XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX  report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (VA)

i am writing to u to let this company know i want the XXXX taken off my credit report since they closed it on XXXX XXXX it is XXXX XXXX/XXXX XXXX they closed it and charged it off on XXXX XXXX it is also has the same address as XXXX XXXX i sent a claim too and that claim number is XXXX and one for XXXX
Consumer complaint received 2018-03-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

There is a discrepancy in my clients account. He had a trial payment for XX/XX/XXXX, XX/XX/XXXXand XX/XX/2011. Then he was issued final modification with first payment due XX/XX/2011. The bank is showing him sixty days 60 late since the beginning of the modification but is due to the fact that according to the agreement no payment was required in XX/XX/XXXX and XX/XX/2011.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

A couple years ago my wallet was stolen from my car. Ever since this happened, the person who took my personal information has been using it to their advantage. I contacted the police to let them know what happened with my wallet and have been disputing items off my credit reports ever since. The last of the items that were on my credit report is a credit card from Discover Bank. 
I have been disputing this account with XXXX and Discover Bank for months now. I have sent my FTC report to XXXX  and Discover Bank multiple times and the account still remains.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

For months on end ever since I purchased my band new car back in XXXX, I experienced difficulties getting coupon payment booklets. Not only that, the most important part is I am not able to log in with my credentials to SUBMITT PAYMENTS TO FIFTH 3RD 'S BANK PORTAL! THIS HAS BEEN AN ONGOING PROBLEM FOR OVER TWO MONTHS NOW AND STILL NOT RESOVLED. 

I HAVE A MASTER 'S DEGREE IN ENGINEERING WITH TWO UNDERGRADUATE DEGREES, ONE IN MATHEMATICS, THE OTHER IN COMPUTER SCIENCE. 

These people are deliberate preventing me from logging into the Portal to submit payment. Everytime I call for help, I keep getting there phone automated system such that the ask me for account information or SS #. 

I provide my SS # everytime and they can not verify and validate my identity. Its completely ridiculous they are doing this ; my auto loan with XXXX XXXX was never a problem, my two other Auto Loans with XXXX XXXX XXXX XXXX has not ever been a problem. 

However, Fifth 3rd Bank does not allow me to provide my correct login credentials.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

I have been a victim of Identity theft. Between the XXXX of XXXX, 2019 some one opened an account on my name and requested a XXXX XXXX credit card and also opened a XXXX account and bought 4 new XXXX from them. I did NOT requested such servides or accounts. I realized I was a victim because of the bills dfrom bot companies arriving at my mail adress in the US. I am currently living in XXXX XXXX XXXX. it has been very difficult from here fixing this issue. I have tried contacting both companies over the phone but both require a US police report wich I cant get overhere since the XXXX police has no authority in the US.
Consumer complaint received 2019-02-13
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: Capio Partners, LLC (FL)

XX/XX/XXXX I was injured on the job at my employer. I was off on XXXX  During this time, Hospital mistakenly billed or services. 
Contact was made with hospital, as an employee, and the incorrect billing was removed. 
XX/XX/XXXX XXXX XXXX notified me that XXXX XXXX has filed 4 derogatory remarks on my credit file. all on the same day. 
They are showing dates that I was not even an employee of the hospital ... XX/XX/XXXX and XX/XX/XXXX I tried to dispute but the only response back was that the marks were in FRMC compliance. No other information They are also violating my HIPPA Rights by posting that I had an injury when I did  not .. they disclose my name, birthday, social security number. date of birth, hospital, and what they think were dates of service. Although the dates were in XX/XX/XXXX and no bills were owed. 

XXXX XXXX is a debt purchaser. 
CAPIO PARNTERS Last reported : XX/XX/XXXX {$240.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$150.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$75.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$50.00} CAPIO PARNTERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (MI)

I received a cortisone shot on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX MI. 
I received the first bill from them in XXXX. I attempted to call to make payment arraignments but never made contact with a human. I left a message and never heard back from any rep at XXXX XXXX. I made my first {$50.00} payment XX/XX/XXXX with a note stating that I could not talk to a human and will make {$50.00} payments each month until the debt of {$540.00} is paid. I have done as promised. I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( not sure of the spelling ) to see about a reduction in the fees. She yelled at me that I must pay in full now when the debt total was down to {$290.00}. 
I received a call on my cell today from XXXX XXXX XXXX XXXX agency and a message was left but I deleted it erroneously believing that medical debt can not go to collections if payments are being made. Immediately after the call to my cell phone, I received a call at work. This is totally unacceptable. I did not get the woman 's name but she threatened to report the debt to the credit agencies if I did not pay in full. I told her I pay {$50.00} every month and to never call me again.
Consumer complaint received 2018-08-28
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: HW Holding, Inc (HI)

XXXX  has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Transfinancial Companies, Inc (LA)

On a complaint I submitted to the CFPB on XX/XX/19, about A hospital, XXXX XXXX XXXX XXXX, violating the privacy act by sending a detailed bill of procedures performed, as well as my full medical records, including XXXX XXXX to THIS third party collection agency, TRANSFINANCIAL COMPANIES. 
They responded by stating that They are " business associates " of the hospital. 
Which proves they are claiming the right to obtain my medical records. 
Under HIPPA, the only persons who are covered to obtain my medical records are PHYSICIANS for the use of TREATMENT. NOT for debt collection. 
Procedures are to be kept PRIVATE. 
Only BILLS with amounts, dates, names, addresses, and social security numbers ONLY, are to be shared for debt collection. 
They admitted that the information shared THROUGH MAIL, was protected under HIPPA. 
This is a CLEAR VIOLATION of privacy. 

I have already reported the hospital who sent my records as well as this company to the State General Attorney.
Consumer complaint received 2019-02-13
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. (MO)

These inquiries were posted, and unknown to me, on my credit report : EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX/XXXX, XX/XX/XXXX. EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2019-02-13
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. (FL)

ON XXXX AND XXXX I CONTACTED EXPERIAN ON INCORRECT UNAUTHORIZED CREDIT INQUIRIES I DIDN'T AUTHORIZED ON MY CREDIT REPORT TO BE REMOVED I ASKED THEM TO REMOVE AND EXPERIAN HASN'T CONTACTED ME OR REMOVED UNAUTHORIZED INQUIRIES
Consumer complaint received 2019-02-13
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: Conn's, Inc. (TX)

Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's  representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have two capital one accounts reporting with a late payment on my report. I was kind of surprised so I sent in a request for statements of the months I was late since according to my knowledge i've always been on time. Every response they sent me seemed to try to avoid giving me an answer always requesting more information. I provided them with my social security number they have all the information they need.
Consumer complaint received 2024-02-09
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (WI)

On XX/XX/2019, looking on to my credit report using XXXX  XXXX XXXX, I noticed there was a charge from LJ ross associates for the amount of {$2400.00}. This was opened fraudulently, and placed on my credit XX/XX/2019. On XX/XX/XXXX i sent a letter to LJ ross indicating i never open an account with them or any company name XXXX. I also spoke with a representative from LJ ross, on XX/XX/2019 regarding these matters.