davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (RI)

I had an XXXX dollar balance with XXXX they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage XXXX  % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary 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 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 2019-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

On XX/XX/2019 a letter was sent out asking that the collection account be removed from my credit report this letter also stated that they never sent a letter out notifying me of this debt and of the option to dispute it before being placed on my credit report. 

Original letter sent to company attached.
Consumer complaint received 2022-10-14
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I wrote to Transunion attempting to have them correct my Name on my Consumer Report as it was showing " XXXX '' as my middle name and I in fact do not have a Middle name. In my correspondence to Transunion, I provided proof of my name such as an FLORIDA DRIVER LICENSE and I porived a copy of my Electric bill. As of XX/XX/2022, my credit report continues to reflect inaccurate information such as my name as XXXX XXXX XXXX, when my name is XXXX XXXX XXXX. Transunion did receive my request which was sent by Certified mail XXXX.
Consumer complaint received 2022-12-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXX XXXX XXXX XXXX XXXX  XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX  XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX  XXXX XXXX, {$6200.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (RI)

I had an XXXX dollar balance with XXXX they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I open a secure credit card and gave them {$300.00} The account was closed XXXX they are saying it was closed XXXX? And charged off in XXXX. 
They are saying that I owe {$490.00}. Still? How can that be possible if I only had a {$300.00}. Credit limit and they took the {$300.00}. When they closed the account? And they charged off the amount and got that Also. They are still reporting this to the credit bureaus after being charged off and took the {$300.00}. And closed for 9 years. This bank are crooks. So basically they want me to pay {$490.00} still even though they took the {$300.00} on deposit and charged it off. So I'd be paying {$790.00} for a {$300.00} credit card. I asked about this and they just says yes to pay an additional {$490.00}? I asked what for with no answer.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DC)

Lakeview Loan Servicing is the loan servicer for the mortgage on my primary home in DC. Lakeview is also responsible for collecting escrow to pay my property taxes and insurance. I pay my mortgage and escrow in a timely manner each month. 

My most recent property tax payment was due in DC in XX/XX/XXXX. Lakeview claims to have made a payment for my property taxes last XXXX, but either DC never received it or the payment was never actually made. Now, DC is charging penalties and interest on this tax payment from last XXXX. 

I realized that this payment was not made in XX/XX/XXXX while trying to refinance this mortgage. My refinance loan was " clear to close '' but came across this issue at the last step before closing. I first contacted DC 's property tax office to see why I was being charged penalties and interest for a payment I thought had been made. DC told me that they never received the XX/XX/XXXX payment and the issue needed to be resolved by Lakeview.

I then immediately contacted Lakeview. Since learning of this issue, I have called Lakeview numerous times, spoken to many customer service representatives and supervisors, and nobody has resolved this issue or told me what actually happened with this payment. I have implored on everyone that I speak with the urgency of this issue and the damages it is causing me : primarily that ( a ) I am being assessed penalties and interest on a payment that Lakeview was responsible for ; ( b ) I am unable to close on my refinance, costing me additional daily interest ; and ( c ) making me unable to take this property tax payment on my XXXX federal income taxes, costing me additional income taxes. 

I have grown exhausted and disgruntled with Lakeview 's inability to resolve this property tax payment. They have caused me significant stress, wasted my time sitting on the phone while not giving me answers, and are costing me money by making me unable to refinance this loan.
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax is intentionally reporting incorrect information and not removing items when directed by the creditor. I am in the process of filing a XXXX dollar law suit against Equifax. I recently disputed the XXXX XXXX account with Equifax advising that my payment history for this account is not correct. Equifax decides to complete the investigation on XXXX/XXXX/2015 which still shows the account as delinquent. Equifax could have not completed a complete investigation as XXXX XXXX sent Equifax notice to update the account on XXXX/XXXX/2015. Equifax has caused me damage and continues to be malicious in it 's handling of my credit file. Attached is a copy of the record that XXXX XXXX sent to Equifax to update the account.
Consumer complaint received 2022-10-14
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. (CO)

Hello, back in XXXX of 2022 I filed a dispute against the items listed on my credit report. A rep from Experian picked up my dispute from the po box they have listed, delivered via Priority Mail USPS w/ confirmation. Experian took over 45 days to respond, and then told me they couldn't find my dispute, although it was delivered to them ( XXXX ). I asked Experian to verify the items on my credit report for accuracy several times, and they continue to verify the items on my report as accurate. I then asked Experian to give me documentation on how they " verified '' the information as accurate in under XXXX hours ( let alone 30 days ), and they did not. This is a Violation of my rights. 

There are no inquiries on my report, because I didn't authorize these accounts to check my credit report. This is another violation of my rights. 

So I'm writing you to investigate the following actions of Experian for the following items and reasons : Experian XXXX  XXXX  : Account : XXXX Reason : This account does not belong to me. I have never lived at the address the account was created at as well. Please delete this from my report XXXX FRES : Account : XXXX Reason : This account does not belong to me. They have removed this inaccuracy from my XXXX and XXXX accounts. I have never lived at the address the account was initiated. In accordance with the Fair Credit Reporting act XXXX FRES XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX CAPITAL XXXX Account : XXXX This account does not belong to me. They have removed this inaccuracy from my XXXX and XXXX accounts. I have never lived at the address the account was initiated. In accordance with the Fair Credit Reporting act XXXX CAPITAL XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete this from my report. 

XXXX XXXX XXXX  SUPPORT : XXXX This account is over XXXX XXXX XXXX, and should be removed as I have never had a contract with them stating I agreed to this, or authorized them to report to my credit report. This account should be removed due to the statute of limitations for XXXX XXXX reporting. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete this from my report.
Consumer complaint received 2021-07-21
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: Mercedes Benz Financial Services (FL)

XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I just received another can letter from XXXX and Equifax stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.
Consumer complaint received 2022-12-01
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-07-26
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. (SC)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

Pressler, felt and warsaw are trying to collect {$320.00} from me for a debt i paid already the full amount that trying to get all over again is XXXX i do not owe that amount for an old 19 yr old account that i paid already. Its for XXXX but whats funny is i have XXXX  services now. Pressler sent me a subpoena question application threatening and lying to incarcerate me if i didnt pay again what i already paid.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MS)

There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.
Consumer complaint received 2021-07-21
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I contacted XXXX and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX HSBC BANK XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Contacted ProCollect Inc based in XXXX, TX on XX/XX/XXXX about a debt that's on my rental history. I never received any letters from them, but when looking at my rental history, there is two separate amounts {$2400.00} and {$500.00} in collections. I contacted them to try make a payment plans, but they do NOT take payments in increments. The representative I spoke to wanted the money upfront aggressively and was extremely confrontational, then she offered me a settlement of nearly 50 % of what was owed on the two accounts. I told her I couldn't make the payments that day, I was just calling to get more information on theses accounts, but could make them in the next two weeks. She declared, " I'll just have to put refusal to pay. '' Confused and at this point, nearly having an anxiety attack, I told her I could make the payments as soon as I could with noting, I needed both account numbers. 3 DAYS later, on XX/XX/XXXX, the same exact representative leaving a voicemail on a Saturday stating I " needed '' to return her call. Confused again, I reached out and told every Procollect representative when speaking to a rep 3 days prior, I thought we had an understanding that I was going to pay in a few weeks. I ended up speaking to the same representative that spoke to XX/XX/XXXX and the conversation didn't go anywhere. When I told her they were breaking the law, she stated, " I'll just put refusal to pay today on your account and now you'll have to owe all of it instead of 50 % '' rudely with hanging up in my face. After the call, I had an anxiety attack, but definitely sought legal advice. We looked into Procollect 's track history of collections with horrible low rating reviews and according to several consumers they do NOT report to the bureaus when people do pay breaking federal laws extremely. Knowing this information, I contacted Procollect XX/XX/XXXX again asking for a different representative, but noticed the pressure to collect and was told I could use XXXX XXXX to send the payments to them. When putting the account number on their website, you don't see what you owe or or ANY statements. We held off on the payments, but contacted the original rental property to validate the debt and property manager told me there was no record of any debt. Procollect Inc should NOT be in business. If there is a debt legitimately, I don't mind paying, but to handle business one must know how and that's for sure. Aggressively harassing consumers and can't validate debt isn't one of them. As far as I know Procollect has put intentionally debt on people 's credit ( including mine ) that isn't validated. The reviews also report the company doesn't even send letters to verify payments. Speaking with my bank personally, they highly advised to never send XXXX XXXX and if I needed to make a payment make sure a receipt is given because with XXXX XXXX, once the money is sent off, it's gone. THAT'S SCARY and not to mention extremely illegal.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date : XX/XX/year>