davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have Experian protection membership, i got my credit report that had some errors and incorrect information, one of the errors was wrong apt number ( it had this address twice, one had the correct apt number and the other was wrong ), it took 3 times to file a depute till finally they fixed it. It had another mistake, it had my name, same name ( first and last ) three times, in one of the times it had my last name missing last letter, i called and spoke with the lady she said its not a problem and they going to add the missing letter, when the result of the depute was ready, i log in to my account to find out that my social security was changes, now it had wrong social security, one number was wrong, when i spoke with the person from experian i never mention that my ss wrong, i called them again and the person said that they going to fix it, they send email stating that my result ready, i checked my account again and now its missing my social security entirely, the other two credit Bureaus have everything correct, its very hard to get a hold of them and i have to wait for almost an hour to actually talk to a person, at this point i would like to file a complaint against experian for deleting my social security wile that number was correct, inserting wrong ss, deleting the wrong one and instead of fixing it they just left my file without any social security in it.
Consumer complaint received 2023-03-24
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. (OH)

on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX XXXX has violated my rights multiple times by reporting such information XXXX15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXX  has pulled my credit over XXXX times in a series of days. I have not agreed nor allowed for these inquiries to my account.
Consumer complaint received 2022-06-20
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXXXXXX -Account Number XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (MD)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-26
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. (MD)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my XXXX, XXXX and TransUnion credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX  ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX TransUnion : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 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 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION (CA)

Account XXXX 1. The Consumer debt was sold to a Non Register California Debt Purchaser XXXX XXXX XXXX XXXX XXXX based in Texas as of XX/XX/XXXX. The company does not need a license, insurance and bond to collect it's own debts from California consumers. But the company was not register of their entity with the Secretary Of State Of California to do business in California. That is the State Corporate law. I had complain to The Secretary Of State, the State Attorney and to XXXX  in XX/XX/XXXX and in XX/XX/XXXX the debt buyer removed the account from all three credit reports due to not following the California Corporate law of registering their entity. The debt is not collectible or other wise the debt buyer would still be on my credit reports. All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

2. BBVA Compass had abused my credit files. I had attached all three credit reports from XX/XX/XXXX through XX/XX/XXXX and a few from XX/XX/XXXX to the complaint. I had sent the same reports to BBVA Compass by email and it was ignored. I would like for BBVA Compass to take a good look at all 3 credit reports and let me know what you see. The account is not reporting accurately and it should had been stopped in XX/XX/XXXX when the account was sold. I had filed a dispute and the dispute took more then 30 days. The Account should had been removed from all credit reports. If you have any question please let me know. I hope and pray that you would have compassion and see that my credit reports been misused. It is only fair that the account be removed.

BBVA Compass had said many times in other complaints and emails that they don't have any records of BBVA Compass reporting the negative account on their system. That is why they can not send me copies of the records of when BBVA Compass reported the negative account in Jan through XX/XX/XXXX. It is my word against BBVA Compass because I got the proof of the misused of credit reports. Why deny it? All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

3. Because the account is in my name that I did not apply personally online for the consumer credit under a faults income ie Business Projection Income of {$100000.00} to start a business that was less a year old. My income yearly {$10000.00} XXXX  XXXX. BBVA Compass knew that. BBVA Compass business partner XXXX XXXX  goes online five days a week filling out personal credit application for clients with many banks. If approved BBVA Compass has another costumer. I got proof. All of that should be against the law.

PS I had requested the contact info to the collection manager and it was refused.
Consumer complaint received 2018-11-19
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. (LA)

I have written Experian several letters asking them to please REMOVE all old addresses, phone numbers, name variations, social security number and last 4 digits, from my report, per I am afraid of being a victim of identity theft, and fraudulent activity, yet Experian will not remove the items from my report, Experian is merely ELECTRONICALLY matching my info with XXXX and Not PHSICALLY investigating. I have tried to resolve this matter with Experian.
Consumer complaint received 2023-03-24
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. (IL)

This complaint to the TRANSUNION was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2023-03-24
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. (MI)

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 1681XXXX XXXX XXXX  have 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.

9,102
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

multiple phone calls with no voicemails over the course of 2 weeks - recently upgraded to sending multiple text messages as well that do mention the company involved... i contacted said company and they have confirmed multiple times that no accounts under my information are in any kind of default/were not sent to any collection agencies. can not get live agent from collection agency on phone to tell them to cease contact
Consumer complaint received 2018-11-19
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: AmeriCollect (GA)

XXXX XXXX  {$96.00}? 
Account was settled with XXXX XXXXXXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK (TN)

I should not have been charged a XXXX overdraft fee. I had money in the account and the last purchase I made before it was charged the money was taken out so why the XXXX was I charged an overdraft fee?? I get so XXXX sick of fees and other ways banks XXXX XXXX XXXX you to death. I specifically said I did NOT want anything paid on this XXXX account if there was a funds issue anyway and THIS IS WHY.
Consumer complaint received 2018-11-19
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. (TX)

In early XXXX, I sent investigation requests to Equifax and XXXX XXXX. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.
Consumer complaint received 2018-11-19
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: CHARLES SCHWAB CORPORATION, THE (NY)

On XX/XX/2018, XXXX XXXX XXXX ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to Charles Schwab, and have yet to see it be reflected in my account. To date I have funded the  account with {$500.00} that appears as deducted from my origin bank account but does not appear in my Charles Schwab account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In violation of the Fair Debt Collection Practices Act, CMRE Financial Services , Inc is attempting to collect a debt from me for a medical account that has already been paid. I have a copy of the check XX/XX/2018 paying the account directly to the original creditor ( XXXX XXXX XXXX ). I  am uploading the copy of the check here. The creditor account number is XXXX and the CMRE account number is XXXX. The amount paid in XX/XX/XXXX was {$190.00} which was the full amount due. CMRE Financial Services , Inc has no claim as the entire amount was already paid in full directly to XXXX XXXX XXXX.
Consumer complaint received 2024-02-27
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
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 — Account status incorrect
Company: Nelnet, Inc. (NJ)

Nelnet reported multiple accounts ( 15 ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with XXXX. XXXX has not removed the delinquencies. I can forward the email and/or other documentation on request.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (ME)

On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed.  {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}