davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (PA)

To Whom It May Concern, I want to bring to your attention the fact that certain accounts have been successfully removed from other credit bureaus, yet they are still being reported and furnished by your department. Despite my numerous attempts to communicate with you in a legal and transparent manner, you have chosen to ignore the laws established by Congress regarding the accuracy of information. 

I now demand that the following accounts be deleted and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Last Reported, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] XXXX. XXXX XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Date Last Reported, Two-year Payment, and Date of Last Payment ] These accounts have been successfully removed from other credit bureaus, and their continued presence on my report is a violation of the laws established by Congress regarding the accuracy of information. I request an immediate action is taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Due to some failure to properly verify the information on my credit report, inaccuracies have occurred, which have negatively affected my credit ratings and reputation. Therefore, I strongly demand an immediate removals of these unverified and inaccurate accounts from my credit report in order to restore the accuracy and integrity of my credit history. 


Truly yours, XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

The Home Depot is reporting that I had a store credit card and that it was charged off.. I informed XXXX that I have NEVER had a Home Depot card.. I submitted a dispute and got a generic reply that Home Depot " had confirmed '' the account, so it was left on my report.. They have no proof of my identity however.. They don't have my ID on file.. I know this for a fact.. Companies like XXXX and XXXX should have a burden of proof and not just be able to arbitrarily say " oh yeah that's accurate '' .. Take some responsibility and give the consumer the benefit of the doubt instead of corporations..
Consumer complaint received 2021-08-27
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (GA)

I've reached out to the bureaus on these unverified accounts before and still XXXX and Experian are reporting the following incorrectly : XXXX : Account number : XXXX, This is an unverified account that has been disputed before. Each bureau is showing a different Date last active. XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX ; whereas there is no reporting from XXXX. There are also inaccuracies with the Date Opened, High Credit Amount, Date of Last Payment, and lack of 2-year payment history. I see this account is still not remove. 

XXXXXXXX XXXX : Account number : XXXX, There is no reporting for this unverified account from other bureaus. This unverified account has also been disputed before.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (PA)

I sent National Credit Audit a letter demanding that they validate an account that they are reporting to my credit. The letter they sent me fell very short of the documentation required by law, and what I am entitled to as a consumer. Please help me!
Consumer complaint received 2023-08-24
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-27
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 have attempted for almost a year to contact Equifax with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by Equifax to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern them.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Avantus, LLC (CT)

I have filed a dispute in regard 's to incorrect information on my XXXX  and XXXX  consumer credit reports. It has been well over 30 days and I have not received any investigation results. The dispute was filed on XX/XX/2021 with both XXXX  and XXXX.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed unauthorized inquiries accounts that are not mine, 2 medical and a account that says charge off which is not accurate and nothing was done
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (WA)

I was seen at XXXX Hospital in XXXX, WA XXXX XXXX 2009. The visit was paid by XXXX. ( workmans compenstion XXXX XXXX XXXX XXXX also billed me for this visit and was giving the XXXX insurance information. 
Today I received a bill from Dynamic Recovery SolutionsXXXX XXXX XXXX XXXX, SC XXXX for $ XXXXfor the XXXX XXXX, 2009 visit. XXXX from Dynamic Recovery Solutions said it was for XXXX Hospital even though it says XXXX XXXX XXXX. on their bill to me. Original Account Number XXXX Account No : XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they do n't have this bill anymore, and that it was a XXXX claim. They also said they do not work with Dynamic Recovery SolutionsI believe this is a scam to scare me into paying a bill that has already been paid. Since XXXX XXXX, 2009 is more than 6 years ago they might think I will pay this having no records of it myself. 
I do not owe the {$420.00} and this hospital visit in XXXX XXXX 2009 was covered by and paid for by XXXX. 
Thank XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-27
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-28
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. (MD)

I have reached out to Experian, XXXX, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TN)

Commonwealth Financial out of XXXX, PA. Reported on my credit a new account as of XX/XX/XXXX. They would not give me a date of first deliquent stating they received the file in XXXX. I have tried to talk to them about it since they call up to 3 times a day but they would not send me any information on when the debt first occurred. The debt is a medical debt that was paid back in XXXX. A remainder remained on the account but when I moved the debt transferred to a collection agency because they were unable to contact me and from there I have no clue what happened. But given that the statue of limitation in Texas is 4 years and in Tennessee is 6 years the debt is well past those limitations. This debt needs to be deleted ( not settled or closed ).
Consumer complaint received 2023-03-08
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. (TX)

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please take a good look at the following items reporting on my Crediet File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit reporting Act section 605b, you are required by Federal law to remove and block any accounts and information that resulted due to to identity theft. So please do so.
Consumer complaint received 2018-07-09
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. (TX)

This is a written letter that Experian has requested that I gave to write in my request. 
It comes down to someone with in Experian has been running my credit to obtain credit to defraud me I have proof I have not applied for credit in over 90 days and credit report shows companies that dont no me or even deal with the type of credit that was ran for through experian, experian I filed complaint and now am blocked from writing calling and even online account. and now the person that blocked me was a manager for the special handling unit named XXXX and both managers are Female thats proof of security breach within the company they refused to give me my credit report request when denied credit so if this problem is not fixed I will report it as a possible XXXX attack on my social security account the companies that are on my report experian has told me on recorded line that the only information on some of these account only show they provided name and date of birth no SSN then applying a fraud alert on my account and sending to the three other reporting agentsys they put fraud alert but experian cant show who requested the fraud alert and I am blocked from calling and online account and righting per my pryor complaints through the FTC and CFPB and the Texas Attorney Generals office the problem is coming from the possible XXXX attck from a male Manager in special handling unit manager but special handling unit managers are Female. 
They told me I had to write a letter I told them I cant read or write well because of my XXXX they said my XXXX has no bearing on this complaint so they dont care. XXXX discrimination. I am being helped by the spelling from my wife for this complaint. Here is some of thecompaneys that dont exist or ever heard from my or show me evere applying with them XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

In XXXX of XXXX someone used my name to apply for an apartment in XXXX. The application was denied based on the debit/credit card information the applicant used when applying for the apartment being declined. On XX/XX/XXXX I was informed that I now have derogatory marks with all credit bureau for this matter. Although, I never applied for the apartment. I have never lived in XXXX. I currently live in XXXX  and was living in Nevada when the individual applied for this apartment. My credit has been impacted by something I am not responsible for. I have been informed I have to file a police report and have to submit several documents to Columbia Debt Recovery before they can remove the collections off of my credit. I will be going to the police department today to file the police report and submit all documents they have requested from me to have this cleared and removed from my credit reports.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

There wasn't a category to specifically identify my issue ; however, this category is the closest. 

On XX/XX/2019, Walmart ( XXXX XXXX / XXXX ) pulled an unauthorized amount of {$300.00} from my checking account. However, the unathorized amount, categorized as a payment, on the transaction details, hasn't been posted to my account. 

My regularly scheduled monthly automatic payments have been processed on the XXXX or XXXX of the month for several years. My regularly scheduled automatic payment was processed on XX/XX/2019. XXXX personnel aren't able to locate the payment even though I've provided them with the transaction details. 

Walmart is in the process of moving my credit card account from XXXX to Capital One. It appears that someone within the establishment ( XXXX XXXX or XXXX ) has fraudulently taken advantage of my automatic payment information. Now, XXXX XXXX is refusing to acknowledge the issue, although Ive provided them with the transaction details. 

Per the transaction details, the " Sending Bank '' is XXXX XXXX. When I called the " Bank Phone Number '' that included in the transaction details, I was transferred to XXXX. Although I've provided the transaction details to XXXX 3 times, they've sent me another message asking for the same information.
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: EQUIFAX, INC. (PR)

Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.