davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.
Consumer complaint received 2022-06-18
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. (AZ)

XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I am requesting a short payoff off not a short sale. XXXX XXXX XXXX  XXXX XXXX A short payoff is when a lender agrees to accept less than the full balance of the mortgage loan as payment in full for the debt.
Consumer complaint received 2018-11-13
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. (IL)

I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries. 
each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.
Consumer complaint received 2018-11-13
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. (VA)

I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meade & Associates, Inc. (KY)

Below is the e-mail sent from XXXX XXXX regarding the account that is now listed on my credit as derogatory. I have been dealing with this for more than a year. I have personally gone by their office to pick up the form that XXXX is requesting with no luck. I also have the letter sent to them regarding all times and dates of attempted contact. They are provided as attachments. When does it stop and what can I do about the harassment? 
Hi XXXX, Attached is a Final Notice letter which outlines the attempts made to XXXX XXXX XXXX, XXXX XXXX XXXX and Meade & Associates Inc. Ive also attached the bill return letter that was sent to Meade & Associates Inc on XX/XX/XXXX. 
The outstanding balance is {$210.00} {$51.00} for date of service XX/XX/XXXX {$150.00} for date of service XX/XX/XXXX The providers have all been given the needed information for billing purposes. 
Claim number XXXX Claims Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Claims Adjuster : XXXX XXXX Claims Adjuster Contact : Phone : XXXX and Fax : XXXX Providers contact information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX P : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Acct No XXXX P : XXXX -- - XXXX is the supervisor. 
Meade & Associates INC XXXX XXXX XXXX XXXX XXXX, OH XXXX Acct No XXXX XXXX -- - XXXX is the contact handling the file. XXXX ( at same number ) is the reported supervisor. 
As outlined in the letter, I have referenced the KY XXXX XXXX statue which states the provider can not balance bill the injured worker and the statute which states providers have 45 days from the date of service to provide billing information for payment. -- -- I have attached the full statute for your reference. 
If you need anything additional from me please let me know how I can help resolve this ongoing issue. 
XXXX XXXX | XXXX | Claim Representative, Medical Only Claim Adjuster XXXX XXXX XXXX XXXX, KY XXXX XXXX ext XXXX phone XXXX fax XXXX email XXXX
Consumer complaint received 2017-11-10
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: SYNCHRONY FINANCIAL (RI)

I submitted a complaint to CFPB ID NO. XXXX sent to XXXX XXXX XXXX ; however, one of the vacuums purchased and returned to the merchant and he has both of them and did not issue a credit so has both vacuums and my money ; is on XXXX XXXX but I did not get to add that credit card so I am sending the disputes I opened with XXXX XXXX XXXX and XXXX. I am sick and now having XXXX on my XXXX XXXX for XXXX XXXX on XXXX XXXX and I am very ill and have no resolution to this and after XXXX I am going to be unable to do anything. He has both vacuums totalling XXXX plus XXXX for a total of XXXX.
Consumer complaint received 2022-06-18
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. (AZ)

XXXX XXXX allowed 3 fraudulent account to be opened in my name, 1 Auto loan, account number XXXX and 2 credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but XXXX XXXX had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from XXXX XXXX. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by XXXX XXXX. I have never doe business with XXXX XXXX, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.
Consumer complaint received 2022-06-18
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. (CO)

In accordance with the Fair Credit Reporting act XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

15 U.S.C 1681 section 602A. 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 2019-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MO)

I received a collection letter yesterday. I have no knowledge of this account. I have never received a regular bill and now its in collections. I'm also when I called to verify they have the wrong date of birth for me in their system and on the documents. This is not my debt
Consumer complaint received 2023-03-23
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. (MD)

This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Balance : {$13000.00} ; XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-18
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)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXXXXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-31
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: Experian Information Solutions Inc. (DE)

After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!
Consumer complaint received 2022-06-18
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)

in accordance with the fair credit reporting act i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An XXXX  supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request. 

Today Experian reports XXXX at XXXX, and XXXX the same. 

The error was for an emergency room visit InXX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1.XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4.XX/XX/17 XXXX. ( 60 days ) 5.XX/XX/17 XXXX ( 30 days ) Total : XXXX This is a simple fix to a database program.
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged-CH XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy Discharged-CH XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XXXX XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my  credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor National Enterprise Systems can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


XXXX
Consumer complaint received 2022-07-12
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. (VA)

Please be advised that XXXX  XXXX XXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.