davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
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. (TX)

I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.
Consumer complaint received 2021-06-13
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)

I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.
Consumer complaint received 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: American Financial Resources, Inc. (SC)

A home in a community I manage is in foreclosure during which portions of siding have fallen off the third floor side of the unit. Over a year has passed and nothing has been done. The sublayer is now warped and everyone passing this unit sees the dilapidated condition of the home. It is the only eyesore in this beautiful community. Each owner is responsible for their own exterior. We are no closer to getting it repaired than we were over a year ago.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NV)

at XX/XX/2021 in went town then floor and decor to buy some stuff I needed for mine new house I bought about 1 month ago and the employer of the store told me to apply for a credit cart with them, I asked him I don't want hit mine credit score and he told me we don't hit your credit score and then I applied and after few seconds I had notification on my phone from XXXX  and says new hard inquiry, so the guy gave me wrong informations or he lie to me, then I got mail from the COMENITY CAPITAL BANK and says mine application decline, is not fair because mine credit score profile is almost perfect with XXXX XXXX score and 100 percent payments on time etc. 
I would like to dispute thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to inform you that I have been a victim of identity theft, and I have taken the necessary steps to address the situation promptly. I have filed a police report and an identity theft report supporting the negative auto loan with XXXX XXXX entry on my consumer report.
Consumer complaint received 2021-06-13
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: FIRST HORIZON BANK (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-05-02
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. (MO)

I have disputed the medical bill on the basis that I have contacted the original creditor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to confirm information reported on my credit file for Equifax, and the original creditor confirmed by way of phone contact that I never had such account with their office. As such, XXXX XXXX has never attempted to collect any debt, nor referred any account for collection to XXXX XXXX XXXX. 

I have contacted XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MO XXXX ) by way of phone at a later date and was informed that an error had been made when I was previously advised that I never had such account with their office and that such account does exist, but the matter will be further researched. I requested a written notice containing : ( 1 ) the amount of the debt ; ( 2 ) the name and address of the creditor to whom the debt is owed ; ( 3 ) confirmation of their receipt of my dispute regarding the validity of the debt, or any portion thereof ( 4 ) verification of the debt or a copy of a judgment and a copy of such verification or judgment ; and ( 5 ) the name and address of the original creditor, if different from the current creditor. 

Despite my repeated requests, at this date, XX/XX/2018, the original creditor has not provided verification of the debt or responded to any of my verbal and written requests regarding the validity of the debt. In fact, I have advised the original creditor, XXXX XXXX ( affiliate of XXXX XXXX XXXX Hospital ) and the collection agency ( XXXX XXXX ) of the lien waiver document pertaining to XXXX XXXX XXXX Hospital, and the original creditor and collection agency will not acknowledge the lien waiver. Furthermore, Equifax has acknowledged that my credit report does not provide the address of the original creditor, and not providing the original creditor 's address has caused undue hardship in that I have made futile attempts to contact the original creditor.
Consumer complaint received 2022-10-11
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. (SC)

There are reportings of an inaccurate balance on two accounts that have been closed and charged off since XXXX of 2019 and XXXX of 2019. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these two accounts are inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00}.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This has been my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (UT)

In early XXXX, I was sent a letter from Flare XXXX by XXXX with a debit card and all of the terms and conditions paperwork. I received the letter a month later since it was sent to an address I have not lived at in 4.5 years. I did NOT request to open an account. I called customer service on XXXX XXXX and they wanted the last 4 of my social security number in order to " look into '' this account that was opened. I declined. I gave them the 16 digit number on the debit card. I was NOT going to give them information that could open/activate the unapproved account.
Consumer complaint received 2021-06-13
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. (GA)

I reached out to Experian on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through Experian and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my Experian account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXX XXXX XXXX XXXX XXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED XXXX, XXXX, AND TRANSUNION VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. 
An account was opened in my name under Capital One Bank USA NA on XX/XX/XXXX in the amount of {$1000.00}. 
I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that what I claimed were fraudulent charges had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MS)

On XXXX the XXXX 2022, Checkr did my background check and it has suspended me from working for point pickup because it says that I had a driving with a suspended license but that charge was Incorrect and the courts dismissed the false charge. I was exonerated since it was false
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX
Consumer complaint received 2021-08-23
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-02-14
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. (CA)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

U.S. Bank 's Reliacard was chosen by the Commonwealth of Pennsylvania to handle the disbursement of unemployment  compensation. In early XXXX, U.S. Bank removed the " button '' from their website that permitted transfers to another financial institution. The only other way to access the funds in the account are to use the card as a credit card. Unfortunately, I have to pay rent and reimburse people for utilities, something I can not do with a credit card. I have made repeated attempts to contact U.S. Bank at a variety of telephone numbers. When you call, approximately half the times I called, an automated message told me that due to high call volume I would need to try again later and the call is disconnected. If I am able to make it into the hold queue, I wait on hold for 30-45 minutes and then someone picks up the call but does not speak. They wait about 2 minutes and then they hang  up, disconnecting the call. There is no way for me to access the thousands of dollars in the account and there is no way to contact them about the problem. I am personally aware of 4 other people who are experiencing the same issue as I am and numerous websites are reporting that this is not an isolated circumstance.
Consumer complaint received 2020-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract