davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (TX)

Upon reviewing my credit report during the month of XXXX i identify several inquiries that i had never authorized. they are : XXXX, XXXX, equifax mortgage reporters, XXXX XXXX XXXX, Equifax XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. 
I have called XXXX, and XXXX, i have also sent a letter to equifax. till now no answer
Consumer complaint received 2023-07-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NY)

I was previously contacted by the bureau about fraulent usage so I suggested my card be resent. Instead my account was frozen and I never received anything I had a Estimate of XXXX to be sent to my account from XX/XX/2022. It was already reported stolen by a house old member. I followed all the procedure and never received anything..It 's been a hassle they never even had my correct information on file.
Consumer complaint received 2023-07-05
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-07-21
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. (IN)

According to the FCRA a charge off account must be reported with a 0 dollar balance. There is a charge of account reporting in accurately on my credit report. I have tried to get this matter taken care of directly with the organization.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The statue of limitataions on this account is up. This this type of reporting and furnishing of a inaccurate account on a credit report is violating federal laws under the Fair Credit Reporting Act and Fair Debt Collections Practice Act. - Date Opened : XX/XX/XXXX Making it over the ( 7 ) year limit to furnish or collect on a debt. - Date of Last Activity : Furinshing ( 3 ) differernt Dates, Months, & Years - Late Payment : Year XXXX XXXX [ XXXX ] XXXX [ 120 LATE ] XXXX [ OK ] - THIS ACCOUNT IS A CHARGE -OFF : A CHARGE -OFF CAN NOT HAVE A HIGH BALANCE OR BALANCE - A CHARGE OFF CAN NOT REPORT LATE PAYMENTS FURTHER AFTER CLOSED DATE OR AFTER IF THE ACCOUNT REACHED THE STATUE OF LIMIITATION. If the account was charged- off, I never recieved a 1099 tax form. Violations used against me : 15 U.S CODE 1692 ( g ) Validation of Debt 15 U.S CODE 1681 ( a ) ( 2 ) Permissible Purpose 15 U.S CODE 1681 ( b ) Inaccurate False Reporting 15 U.S CODE 1681 ( e ) ( b ) Collection Must Be 100 % Across All ( 3 ) credit reporting agencies
Consumer complaint received 2023-07-31
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. (NY)

CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. XXXX XXXX IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.
Consumer complaint received 2023-08-01
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-05
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. (NY)

1 ) XXXX XXXX XXXX Acct XXXX XXXX 2 ) XXXX  XXXX XXXX  Acct XXXX  XXXX 3  ) XXXX XXXX  Acct XXXX  XXXX 4 ) XXXX XXXX Acct XXXX XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX XXXX XXXX  Acct XXXX  XXXX 7  ) XXXX XXXX XXXX Acct XXXX XXXX 8 ) XXXX XXXX, XXXX Acct XXXX  XXXX 9 ) XXXX XXXX Acct XXXX  XXXX 10 ) XXXXXXXX XXXX XXXXc Acct XXXX  XXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts 1-10, 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 2022-03-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.
Consumer complaint received 2023-07-31
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification after being denied a few months prior, and the reason I was told I was denied was because it had not been 5 years since the modification had had before, know that the 5 years is up a reapplied again, to only get denied again being told I can know afford the home know, which do not make sense, my hardship was prior to me being able to afford the home know. I have a valid reason to why I fell behind due to loss of income.
Consumer complaint received 2023-07-31
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2024-03-04
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
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. (MN)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (IL)

NCC Business Services is calling my cell phone about a debt owed by someone else. They keep saying " If you are? ( can't make out the person 's name ) press 1 to speak to a customer service rep. '' I am not the person mentioned and can't understand or hear what the person 's name is that they want to speak to.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX ( original creditor ) XXXX Original Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor ) XXXX Original Balance : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : XXXX XXXXXXXX  - XXXX XXXX  XXXX  Balance : XXXX XXXXXXXX XXXX  XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX ( original creditor ) XXXX Balance : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor ) XXXX Original Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX original creditor ) XXXX Balance : XXXX  TXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX original creditor ) XXXX Original Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
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. (CA)

I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, XXXXne or two companies made a mistake and denied my name and XXXX accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My XXXX is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX goods outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.
Consumer complaint received 2024-02-29
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. (TX)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (WA)

Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX. Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting XXXX XXXX XXXXXXXX who reported the initial credit card charges and delinquency. I spoke to 8 different people in 8 different departments, no one seemed to be able to help me resolve this. 
I believe someone used my ss # to obtain this credit card and then never paid it. 
I just want this removed from my report. I never open this account
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2023-07-05
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX billed me for emergency services/emergency XXXX. Negotiations were conducted from XXXX XXXX XXXX by XXXX XXXX XXXX. please see attachment. XXXX XXXX has never acknowledged my copay which falls under the no surprise act of XX/XX/2022 enacted by federal government concerning emergency treatment.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT AND INQUIRIES ACCOUNT NAME : US DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$5300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.