davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-03-21
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. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date OpenedDate of last a I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

XXXX XXXX XXXX XXXXXXXX XXXX  Thank you,
Consumer complaint received 2019-05-26
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: Ascendium Education Group (TN)

XXXX will not remove after many attempts my credit show i own the over 30k which i dont and it shows duplicate amount, i can prove this the XXXX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION
Consumer complaint received 2022-07-11
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. (TN)

Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.
Consumer complaint received 2019-05-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TN)

I lived in the XXXX XXXX XXXX where I lived for eleven months which was paid up. My lawyer XXXX. XXXX, XXXX. The Apartment was Inhabitant to live in n Att. XXXX instructed Me to move, A letter was presented to the Resident Mgr. on My move. Attachment is the letter written to the Manager. My Attorney XXXX. XXXX can give more information.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I have tried multiple times to get Equifax to take off a collection debt from XXXX XXXX XXXX from my credit report. I have a collection for an apartment that I used to live in. I have provided documentation to Equifax showing that I had moved from this apartment and removed from the lease signed by the Management Company. They for some reason still insist that this is my account. The " validation '' I received was a water bill that they forgot to change out of my name. I can not be charged for rent for a place I did not live and took all the steps necessary by the management company to leave.
Consumer complaint received 2022-03-30
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: CORELOGIC INC (OR)

I applied for a mortgage with XXXX XXXX on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX  XXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

I have a small account with Coinbase. All I want is a phone number and address to keep in my files in case I go under a bus and my children need to close the account. I tried 5 times through their website, but they clearly rely solely on automated answers and never provided. This should not require a government complaint ( which I also mentioned in my last message, hoping that might elicit a real answer ). I understand the staff is remote, but so am I, yet my employer ( XXXX XXXX XXXX ) still has a phone and address. Hiding from customers is not a good look.
Consumer complaint received 2023-03-21
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. (RI)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

On numerous occasions American Express denied me credit and that's a violation of the equal opportunity credit act ( ECOA ). I gave American Express my social security number and I didn't get just compensation. This has been going on since XXXX to XXXX and I have evidence of this discrimination that I will provide. The equal credit opportunity act say that American Express can't make a decision base on my ability to pay back and that's just what they did.The Equal Credit Opportunity Act ( ECOA ) is federal civil rights law that prevents lenders from discriminating against credit applicants based on factors unrelated to their ability to repay. I have been discriminated against and American Express needs to remedy these situations ASAP.
Consumer complaint received 2019-08-31
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: HUNTINGTON NATIONAL BANK, THE (MI)

I am filing a complaint against XXXX and Huntington Bank because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with Huntington and XXXX a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but XXXX remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains XXXX and Huntington Bank for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.
Consumer complaint received 2022-03-30
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard (WA)

Nelson & KENNARD ( XXXX XXXX XXXX ) continues to defame my copyrighted name to enrich themselves. Arbitration has already been conducted. They owe XXXX. They continue to hold my property in store. My credit is being held by them to extort me. I demand my credit be restored I charge XXXX dollars per day as of XX/XX/2019. I have a legally binding Arbitration Award stating they are in Breach of Contract. Yet they continue to threaten me with false lawsuits they have no jurisdiction to do so by. They also have NEVER replied to certified mailings to proof of claims. They say they represent XXXX  XXXX XXXX but I have not seen chain of authority I asked for, nor any other evidence they are legally authorized to collect on In God We Trust Notes. In any State.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a piece of mail that resembled a document from Bank of America. I was suspicious of the piece of mail because I do not have a Bank of America bank account nor have I ever opened a bank account under my truncated name. I also noticed that the mailing address was a PO Box # and in the letter it was asking payment to be sent to another PO Box # that was different ( XXXX vs. XXXX ). Please see the attached photo. To test the phone line, I called the number listed and it goes through a fairly believable automated system that you are able to input the last 4 digits of a fabricated account number - which I checked against a real Bank of America automated system. The fake automated system would eventually forward the call to someone who claimed to be in some sort of card member services. I hung up after reaching someone and did not speak with them. A real Bank of America automated system will give the option of using your account number or 4 digits of your social and is noticeably smarter and faster in processing. I checked the number listed in the letter and my social and thankfully an account was not actually opened under my name at Bank of America. I  wanted to bring this sort of scam to light because I feel like it has the feel of authenticity because of the automated system. It might seem fishy but others may be duped thinking that because of the automated system that then directly puts you in contact with a representative seems real enough. Thank you for reading.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The lenders for this car loan has violated multiple consumer laws stated in the file I have attached please have this removed or I will have take legal actions. Thank You.
Consumer complaint received 2022-03-30
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (WI)

Last XXXX I contacted XXXX and informed them that on XX/XX/2020, the debt they had assigned to yet another debt collector had been assigned as part of my divorce settlement to my ex-husband as his debt. I provided the collector with a copy of the divorce decree via certified mail and they lost it in XXXX XXXX XXXX. The debt continues to be placed from agency to agency to keep it new and hitting my credit. I have told them not to contact me and that I was not responsible for the debt.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On Sunday, XX/XX/2019 at about XXXX XXXX. I applied online for a XXXX XXXX XXXX ( XXXX ) home loan with a licensed XXXX home loan officer located in the State of Iowa. The male XXXX loan officer told me that " TransUnion '' had a " Credit Freeze '' on my " TransUnion '' credit file. And that XXXX could NOT proceed with my online home loan application until my " TransUnion Credit Freeze '' was unfrozen. The XXXX loan officer told me to call " TransUnion '' at XXXX and I immediately did so. Yet the employee at " TransUnion '' told me that " TransUnion '' could NOT release my " Credit Freeze '' over the phone even though I had answered CORRECTLY all of their " Security Questions ''!!!!
Consumer complaint received 2018-11-08
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. (TX)

I have disputed the late payments XXXX XXXX XXXX account with the credit bureau XXXX I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-03-21
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. (IL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following inaccurate items that are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (GA)

Collections and charged off accounts are not mine. Please delete it. This is clearly an identity theft. And until now these records is still showing on my credit report. 

1. Balance : XXXX date opened : XX/XX/XXXX 2. balance XXXX date opened : XX/XX/XXXX 3. balance : XXXX date opened : XX/XX/XXXX 4
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (OH)

On XX/XX/XXXX. XXXX, I contacted XXXX to open a dispute about items I never received from from a Company called " The Dir Label. '' The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and XXXX responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided XXXX this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

XXXX never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

XXXX XXXX {$250.00} I have call multiple times to the company about this consult was a referral for the XXXX  XXXX XXXX. The XXXX XXXX people are the ones needing to pay. 
The office keeps trying XXXX XXXX.