davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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)

Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.
Consumer complaint received 2022-03-24
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. (GA)

Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.
Consumer complaint received 2022-03-24
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)

Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2022-03-24
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. (GA)

Include dates, amounts, and actions that were taken by you or the company I have called Equifax and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries Equifax refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. This Company XXXX XXXX XXXX is violating Bankruptcy Code and Court Orders! The way that it is listed is also a violation of the Automatic Stay. Remove immediately. I also did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk, they did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly, otherwise DELETE this from my report. Bankruptcy XXXX XXXX XX/XX/20XXXX XXXXDischarged
Consumer complaint received 2022-03-24
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. (IL)

Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2024-02-15
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-17
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. (GA)

I have been attempting to correct unknown things on my credit report since XXXX, 2021 but i have not received a response or deletion of these things. I feel this is VERY unfair and I am being taken advantage of by having my disputes ignored. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my consumer credit report. As it has been well over 60 days these items should have been deleted. I DEMAND these accounts be deleted immediately or I WILL file for litigation due to the stress you have now caused me. My information was also impacted by the XXXX data breach and may got into the hands of another person.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and trans union. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even lexisnexis and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and XXXX XXXX. I am trying to have a fresh start and its not right these lexis nexis and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through lexis nexis. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC (TX)

Started receiving notices about an unpaid debt from Scott & Associates. I had no knowledge of this debt and sent a verification of debt request in XX/XX/2019. I never received a response verifying the debt and the company continued to harass me and call about this debt. They have now filed a lawsuit for collection on a debt that is not mine. Claimed amount is {$2200.00}
Consumer complaint received 2022-05-17
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)

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : Bankruptcy XXXX  XXXX Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : XXXX XXXX Reference number : XXXX Filed Date : XX/XX/2018 XX/XX/XXXX
Consumer complaint received 2022-03-25
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: Lockhart, Morris & Montgomery Inc. (MD)

On XX/XX/2021 LOCKHART, MORRIS & MONT, added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was tranferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LOCKHART, MORRIS & MONT, has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-15
Product: Credit reporting 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-25
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: JPMORGAN CHASE & CO. (CA)

JPMB ( JP MORGAN CHASE ) reporting two unauthorized inquiries to the three Credit Bureaus XXXX XXXX, XXXX, XXXX ) Inquiry dates XX/XX/XXXX, XX/XX/XXXX. I do not recognize these unauthorized inquiries. I reached out to the agency on several occasions stating my complaint, as of date, nothing has been resolved.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian and the XXXX XXXX XXXX XXXX. I have emails from the credit union stating that there have been no late payments in XX/XX/XXXX, because I lost my job in late XXXX but have since recovered the account. I want the late payments from XX/XX/XXXXremoved and correctly reported as well as my credit score updated correctly from all repeating agencies. I am so frustrated with this? I lost XXXX points in 1 day over inaccuracies and I want them corrected immediately.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I purchased items from XXXX on XXXX as gift for my family but items arrived late. I requested refunds. They provided tracking labels and I sent all the items back but I have not got my refund. It has been 5months trying to contact both XXXX and wellsfargo but no response.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NY)

I enrolled in a Marcus Bank ( by Goldman Sachs ) promotion on XX/XX/XXXX that, depositing {$10000.00} into my online savings account for 90 days and getting a {$100.00} bonus. I originally had {$5000.00} in that account before the new deposit and had set up a recurring transfer the {$5000.00} out and in to keep the account active. I never withdraw the {$10000.00} new money that I deposited on XX/XX/XXXX, and my account balance never fell below {$10000.00}. However, today the Marcus Bank representative told me because I moved the original {$5000.00} ( that's not related to the {$10000.00} new money ) in and out, I lost the promotion. That's unfair because I never touched the {$10000.00} new fund, I only moved the {$5000.00} that's already been in the account long before the new deposit happened.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : Bankruptcy XXXX XXXXXXXX Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : XXXX XXXX Reference number : XXXX Filed Date : XX/XX/2018 XX/XX/XXXX
Consumer complaint received 2022-03-25
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: National Credit Adjusters, LLC (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I sent a letter to Great Lakes XX/XX/2022, which they received. I requested the original instrument of indebtness and a certified statement confirming and affirming that the original note had not been sold.

They have not responded, which means they dont have it and i explained to them i have the right

to request it based on the Freedom of Information Act... This is my 2nd attempt. If they cant provide the document, it must be discharged.
Consumer complaint received 2022-03-25
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-03-25
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based o

n, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (PA)

I received a notice dated XX/XX/XXXX from an agency by the name of Associated Credit services. The notice stated the letter was an attempt to collect a debt. I never had an account with this agency. I sent a cease and desist as well as an notarized affidavit of truth dated XX/XX/XXXX sent certified mail on XX/XX/XXXX. I have since received another notice to pay with no reply to request of information requested in cease and desist that was sent. Pursuant to U.S. Code 1692b any debt collector communicating with anyone other than the consumer -shall not state that such consumer owes any debt. This company is furnishing this alleged debt on my credit report 's. I am a federally protected consumer and this agency did not have my written permission or prior consent to furnish or collect any of my information. I owe no debt to this company this debt is alleged.