davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

To whom it may concern, I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning these inaccurate accounts below. 

XXXXXXXX XXXX Account # : XXXX Account # : XXXX I request urgent attention to rectify these disparities and they must ensure a consistent and accurate representation of my credit history across all bureaus. Failure to provide the exactness of reported information will result in further removal of these accounts as declared by the Congress in terms of accuracy policy. 
As per FCRA Sincerely, XXXX XXXX
Consumer complaint received 2022-07-10
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. (LA)

There recently appeared a collection account from XXXX XXXX XXXX on my credit reports that has the wrong name, dates, address, city, and the three credit bureaus put it on my report anyway! I want this removed immediately!!!
Consumer complaint received 2023-03-18
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. (CA)

XXXX XXXX XXXX XXXX, doesnt even own the account anymore. So why are they reporting on my credit. I paid XXXX the payment and the company told me the would delete the account off of my report XXXX XXXX XXXX told me me if I settle the debt they will delete the account off my credit. I paid the account but transunion keeps verifying that it is correct reported. I sent them in the documents from the company put the still refused to remove it off my report. 
I have attached a copy of the settlement paperwork
Consumer complaint received 2018-08-23
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. (PA)

Greetings I have initiated a dispute with TRANS UNION to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Tribal Lending Enterprise, Inc. (NV)

In XXXX of 2018, I obtained a loan with XXXX XXXX XXXX for approximately {$770.00}. This was online and the advertisement was deceptive and did not understand how much I would owe the company
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

my key bank statement inXX/XX/XXXX, i was billed a past due amount of XXXX. i called the bank asked what it was.They stated after searching for a long period of time it must be a legal fee from years past. they were unsure what it was.I paid the XXXX the bank received the money on XX/XX/XXXX.the bank stated they would take it off and mark as paid. 
i received my may statement the same past due amount of XXXX was on my statement.i called spoke to a manager they stated it would be taken care of. 
I received my XXXX statement the same XXXX was still showing as a past due amount.i called and was promised it was taken care of. 
i received my XXXX statement the same past due amount of XXXX was there this time there was a XXXX for fees and charges. i called bank yet again could not really explain the XXXX dollars some type of monitoring charge i should not have been charged promised yet again that the XXXX and the XXXX would be taken care of. 
i received my XXXX statement it showed that i have a past unpaid amount of XXXX this time when i called i asked for for an audit of my account dating back to XXXX XXXX   of XX/XX/XXXX.i did not see the unpaid amounts on the audit they sent me this has gone on for five months with me calling every month.i have have numerous of other issues with key bank on this mortgage this is just the latest. 
this past XX/XX/XXXX i sent in payment from a different account the bank stated they could not read the account number so did not apply it to my mortgage making that month payment over due.
Consumer complaint received 2018-09-10
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. (MI)

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion LLC, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX  & TransUnion to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-07-10
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. (TX)

In 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
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (IN)

The date of service for the debt in question was on XX/XX/XXXX. Nothing was sent out as an attempt to collect this debt until late XXXX. On top of that I had no idea who this provider was because the lab that my doctor used was not authorized by me. They sent my lab work to one lab, XXXX XXXX XXXX XXXX, who then sent to a sub contractor lab, XXXX XXXX, without my authorization and ability to decide or judge any patient responsibility charges prior. When this hit my credit I called to resolve but they will only do PIF trade line which I appeal because I never authorized this to begin with. I tried to have recalled by the debt owner, XXXX XXXX, but they refused since it was " 2 years old '' even though they still own the debt in question not the collection agency. Their credit hit dropped my score almost 100 points for a {$210.00} bill from an unauthorized lab. 

The agency is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Ph XXXX.XXXX.XXXX. Amt due XXXX from a letter dated XX/XX/XXXX.
Consumer complaint received 2019-05-06
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. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses. They were supposed to respond within 30 days.
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (PA)

Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has my account on hold and informed me that they would close my account. they say they have the right to close it. I accept it. but they must inform in advance that they are going to close it so that I can stop making payments to that account. I made several payments and they were returned by the bank. causing me inconvenience and additional charges. They returned my rent payment. Additionally, the bank tells me that it will take 14 days to send me the money by mail. I find it unfair of them to play like this with customers XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I did not apply for any credit cards with TD Retail Card Service, however there's an inquiry on my XXXX credit report on XX/XX/2019 that I did not authorize. I've tried contacting TD Retail card services and they are refusing to remove the inquiry. I've also contacted XX/XX/XXXX to get help with item and they too have refused to address this issue.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

The following Creditors XXXX XXXX XXXX, XXXX and Chase bank have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX ) line item # 8 XXXX ) and line item # 13 Chase Bank. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX.
Consumer complaint received 2018-05-11
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: LEXISNEXIS (VA)

I contacted Lexis Nexis via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and XXXX states the information is from Lexis Nexis credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

After receiving a response from Midwest Recovery Systems ( MRS ) on my complaint through CFPB on XX/XX/19, I proceeded to contact the company as directed. I emailed them on XX/XX/19 and attempted to call them ( phone did not go through after the fifth attempt ) today XX/XX/19. I have not been contacted or been able to get a hold of this company that supposedly has a collection debt from a hospital I have never visited. I am filing again against this company for fraud.
Consumer complaint received 2021-09-02
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. (CA)

My credit was pulled by XXXX  XXXX by a XXXX XXXX, that is the name he gave me. I called XXXX  XXXX XXXX at XXXX in regards to some credit card they were are advertising. After giving the agent mention above my full name, address social security number, my annual salary, where i worked, how much i had in my saving, 401k and pension fund and also my birth day. He stated he needed this info to verity me via the social security office. We specifically spoke about not running my credit with my permission, he told me the bank would never do that. He then said i do not need to run your credit to know if you are approve for the card. I mention to him about 5 times please do not run my credit. I am sure XXXX  XXXX XXXX can produce the phone conversation that we had. This to me is an abuse. I felt i was trick by Mr.XXXX. The bank made it sounds like i was already qualified for the card as a promotion. Please help. I can explain more in details. my contact number is XXXX and my name is XXXX XXXX. There has to be a recording of the call. The call was Placed to XXXX XXXX XXXX at XXXX XXXX  XX/XX/2021 and lasted 26 minutes and 9sec
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.
Consumer complaint received 2018-08-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XXXX XXXX the following bellow unverified/re investigate requests have not been properly made by Equifax XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late in XX/XX/XXXX which is incorrect and unverified. 

XXXX XXXX This account was paid through XXXX XXXX  the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed all payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Equifax says the account has been verified. Clearly it is unverified because the payment history changes every month. 

XXXX XXXX XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical verification as requested. 

XXXX has sent a letter requesting an inquiry on XX/XX/XXXX be removed due to the fact that is was not authorized/ run in error and they still have refused to correct my report. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

Equifax has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I demand that these specific and unverified information be corrected immediately!
Consumer complaint received 2022-07-10
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. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; US SM BUS ADMIN ODA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-11
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: JPMORGAN CHASE & CO. (NY)

I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 JPMCB Auto/ XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Donald R Conrad P.C. (MI)

I received a letter dated XX/XX/19 for a debt of XXXX to XXXX XXXX. XXXX XXXX shows they cashed my check on XX/XX/19. The debt has been paid and was paid before they ever reached out to me. The letter I received does not state it is from a collections agency, and does not have an inked signature. They have called me and don't identify themselves as a collections agency on the phone. This collections agency technically owes me {$1000.00} for violating the Fair Debt Collection Practices Act.
Consumer complaint received 2019-05-06
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. (NJ)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-07-10
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)

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX-Retail Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Card Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX BANK XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX of XXXX Account # XXXX US Dept of ED/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 an account without my written instructions