davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (WV)

I seen on my credit report on that national recovery agency had posted a collections for XXXX XXXX XXXX. I have moved several times in the past two years due to school and didnt know I owed them money. I actually still have XXXX  at my current home as my electric provider and still havent received anything in the mail.
Consumer complaint received 2023-02-14
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: SANTANDER HOLDINGS USA, INC. (FL)

15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES the consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 
I am requesting a reversal from " 30 '' to " OK ''
Consumer complaint received 2022-01-07
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. (GA)

This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in XXXX appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later, I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my reports. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-20
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. (AL)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

On XX/XX/XXXX I sent a request of validation letter to collector company Grant & Weber. On XX/XX/XXXX I received a letter with a generic list of itemized charges listed but no actual contractual document with my signature of authorization to collect debt or any obligation to this debt. They have failed to validate this debt and therefore I am asking that this debt be removed from my XXXX and XXXX credit reports because it is causing major derogatory marks on my credit report and causing me major life financial challenges because of it.
Consumer complaint received 2020-11-27
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (VA)

HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 .do n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and Equifax with prooof of Cleared cheque.Except Equifax XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to Equifax XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -XXXX .I have applied for Mortgagee loan and my Closing is on XXXX.Incorrect collection showing in Equifax report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with XXXX and XXXX XXXX XXXX for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-30
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

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.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

Collection company is trying to collect an early termination fee of {$3000.00} but doesn't have a valid contract. Apartment complex XXXX decided to swap out a page of previously signed contract and the terms of my contract. The complex automatically broke the lease.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020, I sent Experian a dispute letter XXXX attached ) via certified USPS mail to block fraudulent information from my credit file. On XX/XX/2020, I received notification that Experian removed the fraudulent information from my credit file with the exception of a disputed bankruptcy public record. Specifically, Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX Mc Lean, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. 

Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.
Consumer complaint received 2020-11-27
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Medical debit paid but still effecting credit score ; account showing balance due ( see below ) Account : Account Details Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$370.00} Remarks Placed for collection Creditor Contact Details WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX ( XXXX ) XXXX DATE AND BALANCED PAID : Date paid : XX/XX/XXXX Amt paid : XXXX
Consumer complaint received 2019-02-19
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)

I have disputed multiple items that are being reported on my credit report inaccurately. XXXX continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
Consumer complaint received 2019-02-19
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)

I have disputed multiple items that are being reported on my credit report inaccurately. XXXX continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sky Blue Financial Services, Inc. (OR)

I signed up for Sky blue credit repair in XXXX. It started as a 7 day free trial. They did nothing in the 7 days but send me a list of items they would send disputes for. They then billed me XXXX dollars and sent out a few disputes. I signed up for a joint account, myself and my husband. For him they sent out 2 disputes and marked everything else as " stop '' meaning they didn't send out anything. They emailed and said they needed a phone call and then account numbers. I spoke to them on the phone, I also emailed telling them we want everything disputed and do not have account numbers nor did we have to provide them previously when working with another company. The company then directed me to pay for another credit report and get those account numbers. NO I paid you for a job that you have failed to do. I am beyond unhappy with this company!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (RI)

On XX/XX/21 I had reached out to Experian with my XXXX XXXX at XXXX XXXX XXXX, and was able to speak to a supervisor. The issue we were having is that my credit score wasn't available from Experian when we did a credit check for a mortgage. It was available from XXXX  and XXXX. This is a problem because it isn't reporting for any Banks or Mortgage Companies. The XXXX XXXX also reached out to the company they use to do the credit pulls. It was confirmed with Experian I DO NOT HAVE A CREDIT FREEZE OR BLOCK on my credit report. The response I received from the supervisor was " Oh well, it's not on our end and she hung up '' and I can't seem to escalate because it is on their end. My credit isn't reporting for not just one bank but 3! Please Help me. I CAN NOT get a mortgage if Experian isn't providing the Banks or Mortgage Companies with a credit score!
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the XXXX many times now I just cant take it anymore!
Consumer complaint received 2019-11-05
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. (CO)

I have a XXXX  XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have disputed multiple items that are being reported on my credit report inaccurately. Experian continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
Consumer complaint received 2022-03-11
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (MD)

Ill try once more to get the my auto loans entire account that has disappeared from Equifax last month ( XX/XX/2021 ) put back on my credit file with Equifax. The account has not been changed from the other two main credit reporting agencies. It was a closed and paid as agreed account. That should have never been deleted according the the credit provider when we contacted them yesterday about the account not showing on my Equifax account, but is still present on the other two main credit bureaus. 

The removed account is : XXXX XXXX XXXX or XXXX XXXX XXXX. 

This was also mentioned in previously and unanswered complaint ( see XXXX ) - In that already filed complaint that has yet to be answered the Closed and Paid as agreed account 's payment history was altered on the wife 's Equifax credit report and was completely removed on my Equifax credit report.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian does not show account # XXXX XXXX XXXX XXXX on my credit report and I have had this account for several years. In which there is no balance at this time. I have also attach a copy of my last billing statement for XXXX XXXX Bank
Consumer complaint received 2021-09-16
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. (GA)

I noticed this fraudulent inquiry on my Equifax credit report and I've disputed it several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/20
Consumer complaint received 2019-11-06
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. (MA)

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (LA)

I am reporting a potential FDCPA violation against the The National Consumer Telecom & Utilities Exchange ( NCTUE ) who unlawfully provided XXXX XXXX a copy of my credit report via XXXX and the XXXX XXXX XXXX while my report has a security freeze placed upon it WITHOUT my consent. This report has been frozen since XXXX and I have written confirmation/receipt that it is still frozen and the only way to unfreeze the report is if I process a temporary or permanent lift with my 10-digit Personal Identification Number ( PIN ) that I did not provide.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XX/XX/XXXX payment to XXXX   XXXX  XXXX.

After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XX/XX/XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XX/XX/XXXX payment ( while leaving my XX/XX/XXXXpayment still " unpaid ''. ) I then get a notification that my XX/XX/XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called XXXX on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XX/XX/XXXX and was told by XXXX that if the funds were made immediately available to XXXX, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to XXXX. I specifically said 2 to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XX/XX/XXXX, my credit received a blemish from XXXX XXXX   XXXX. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called XXXX XXXX XXXX  no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take 30 to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to XXXX XXXX XXXX  have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

Sincerely XXXX XXXX XXXX