davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
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. (MS)

Equifax is incorrectly reporting ( 2 ) collections in the amount of {$25.00} partial account numbers XXXX and XXXX. ( Please see page 13 of the attached credit report. ) These collections are allegedly from doctors visits last year for when a baby was delivered. I did not have a baby last year. My last name used to be XXXX. They have me confused with someone else whose last name is XXXX and has gone to the same hospital I had gone to in the past. These collections are not mine. I have contacted the bureau to have this line item removed from my credit report, however I have been unsuccessful. This incorrect reporting is harming my credit score and these line items need to be removed.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

Under FCRA, the same debt is not allowed to be collected from two companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/2024. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from my credit report.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (UT)

In XX/XX/XXXX, I ran my annual free credit report with all three credit reporting companies. I noticed that PHEAA/FED LOAN SERVICING was reporting me " 90 Days Past Due '' in XX/XX/XXXX. For all months leading to that date ( XX/XX/XXXX and earlier ) and all months after ( XX/XX/XXXX to present ), PHEAA/FED LOAN SERVICING reports " ND - No data for this time period. '' This is a parent plus federal education loan ( s ) for my daughter 's college education. She began college in XX/XX/XXXX and continues as a full-time student today. Her expected graduation is XX/XX/XXXX. Any payments towards this loan ( s ) is deferred until she graduates, or stops attending college full-time. Other than traditional summer breaks she has attended full-time continuously since XX/XX/XXXX. 

She did transfer from XXXX XXXX University after the XXXX school year to XXXX   XXXX University for the XXXX school year ( and until graduation ). We submitted paperwork to PHEAA/FED LOAN SERVICING notifying them of the change. When I received an invoice requesting a payment, I immediately contacted PHEAA/FED LOAN SERVICING and they said they had the paperwork informing them of the change but it would take 60-90 days to update in their system. In my opinion, this issue may be the cause of their reporting error. 

I did not owe a payment in XX/XX/XXXX. I HAVE NEVER OWED A PAYMENT TO DATE. Therefore, they must correct the XX/XX/XXXX payment they are reporting. I disputed through all three credit bureaus who contacted PHEAA/FED LOAN SERVICING who responded back with the same exact incorrect information regarding XX/XX/XXXX. When I called PHEAA/FED LOAN SERVICING directly their response was " dispute it through the credit bureaus ; '' which is unacceptable. I did upload a general complaint form directly to PHEAA/FED LOAN SERVICING that has resulted in no change.
Consumer complaint received 2020-02-26
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX and XXXX   XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting 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)

I have filed ftc report and cfpb complaint previously because I found inaccurate accounts and ssn numbers belonging to someone else on my credit report. Nobody has yet to help me get this account off my report.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-16
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: SYNCHRONY FINANCIAL (FL)

I previously had an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and the account was sent to a debt collector XXXX XXXX I, XXXX. The account has been paid in full and I was sent a confirmation letter stating this. It also states that I no longer have any further obligation on the referenced account. I really need this to be removed from my credit report ASAP. Thanks
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-06
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$3400.00} - IDENTITY THEFT 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

CITI XXXX SUMMARY OF NIGHTMARE ( XXXX - Current ) Summary : Issue involves Balance Transfers made on XX/XX/XXXX. Because of an error with Auto Pay, the Balance Transfers were paid in full XX/XX/XXXX. On the same date, a stop payment was posted for the full amount. When Balance Transfers were reposted to account, they were erroneously added as a Purchase Balance.

Subsequent Minimum Payments were incorrectly calculated ( {$1500.00} ) and monthly Finance Charges incurred ( {$1000.00} ).

After five documented attempts to resolve, only one correction was made for one of the multiple errors on XX/XX/XXXX. Otherwise, these issues have not yet been addressed or resolved.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
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: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions, LLC (KY) (TN)

i have voicemail from an automated system on XX/XX/XXXX and advised them not to contact me at my place of business and they did the next day. i called them back advised them again to not contact and again i was advised the number is removed again and it may take 24 hours. again today i received another call from them and spoke with the supervisor, who said they have removed the number.
Consumer complaint received 2015-07-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (MA)

I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.
Consumer complaint received 2018-05-09
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. (PA)

Transunion removed XXXX # XXXX from my credit file for no reason and by TransUnion Date Updated as XX/XX/XXXX was or should have not been removed last payment was made XX/XX/XXXX in which last updated XX/XX/XXXX is not 7 years and I see TransUnion likes to remove accounts in Good standing before its time for no reason on the other hand TransUnion would not removed XXXX # XXXX if I would missed a payment. 
TransUnion does things to consumers credit so they can lower your score and not adjust it correctly in there error and tell you it takes months on there error that seems done in purpose.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXC XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX XXXX XXXX Balance {$83.00}
Consumer complaint received 2021-06-16
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. CAPITAL ONE BANK USXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-25
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX XXXX, the person from the credit card company assigned to handle this matter always calls me at the end of his workday and when I have called back numerous times to try to speak with him, I leave messages and have not received a call back. I am wanting him to resolve this matter ASAP. It is claim number XXXX. Thank you.
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

I logged into my XXXX credit 10 days ago just to check on my credit and noticed a collection amount of XXXX from Caine & Weiner. I had no prior contact and didnt get the opportunity to verify this debt only the report that appeared on my credit.
Consumer complaint received 2022-10-15
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. (GA)

I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-06-16
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. (NY)

Between, XXXX XXXX and XXXX is a violation act of the FDRA Reporting inaccurate date last active or last payment are not the same in each credit bureau
Consumer complaint received 2021-06-16
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. (NY)

Between, XXXX, Transunion and XXXX  is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau
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: EQUIFAX, INC. (CO)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank 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 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TN)

XXXX, XXXX and XXXX, I contacted all three credit bureau 's and asked for them for debt validation but it came back as verified. I contacted XXXX for debit validation because the reporting is inaccurate and they advised me that their system didn't go back for my account due to it being with Jefferson Capital Systems. I then contacted them and was told that there is no payment needed on the account and that the account has been paid to an 0 balance since XX/XX/2017. They also stated that they notified the company so the debt can be removed off of the credit report. The rep stated that she will send me a letter for proof. I received the letter and contacted XXXX once again then was told I needed to contact the three credit bureau 's. I contacted them and they updated my credit report incorrectly again. I have been battling with all five for the last three months and I need this account to be removed from my credit report immediately.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.