davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (GA)

On XX/XX/2021 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 feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation 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 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}
Consumer complaint received 2022-04-30
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. (NC)

The debt has been disputed and removed from my account before due to fraud. The debt is being sold and passed around between collection agencies and re-reported to my report. 

XXXX credit currently has the account, and I have responded to their notice of reporting with a dispute letter but haven't heard anything from them.

It is now reporting on my report and I am getting no response from them.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance Owed : {$270.00} ; XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-01-27
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. (FL)

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2018-04-07
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)

XXXX XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.
Consumer complaint received 2018-02-14
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. (NC)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
Consumer complaint received 2022-04-30
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. (NY)

A woman found my information at a hospital. Instead of returning it, she used my identity to supply her lifestyle. I sent in police reports and the problem continues. 7 years later, I'm still fighting this bank off of my credit. Find the strawman you got this from.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Accounts Service (CA)

CA Account Service was removed from my XXXX credit file in XX/XX/XXXX. When checking my credit report on XX/XX/XXXX I noticed that CA Account Service was added back to my credit file. I have not received any notification from CA Account Service or from XXXX regarding the account, amount owed, date opened, any documentation that I owe an outstanding balance or that this account would be added back to my credit file.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (FL)

On XX/XX/2018 a letter was sent out to me disclosing an alleged debt that I owed. The company Medical Data System INC. has medical information about myself that I did not authorize there for medical data system is in direct HIPPA violation. These accounts need to be immediately removed from my credit file and delete it from all three credit bureaus XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-26
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: Experian Information Solutions Inc. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (NC)

I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure XXXX is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (PA)

On XXXX i sent a complaint about this company for attempting to collect a debt that is not owed, this company has contacted me numerous of times after 9pm and have now been calling asking for someone else then hanging up, on XXXX this company was suppose to send a validation of debt out and today XXXX i have yet to receive a validation of debt from this company, please i ask that this debt be removed from my credit reports across the or i will pursue legal action
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have had this Medical Collection reporting to my Equifax credit report for some time now with no success getting it removed. I have made several attempts for validation of debt with no response. 

The balance {$670.00} Date opened : XX/XX/2016
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I WENT TO THE BRANCH TO GET A CARD REPLACMENT AND WAS TOLD THAT WAS MAILD BUT NEVER RECIVED THE CARD WAS TOLD THAT THE POST OFFICE WAS THE REASON OF NOT RECIVING MY CARD. ACCORDING TO THE BANKER THEY WAS GOING TO OVERNIGTH BY XXXX .. AND NEVER HAPPEND THIS SITUATION ITS BEING GOING OVER MOTHS THEY AREADY GAVE ME 3 TIMES TEMPORARY CARD BUT NEVER ISSUE A PERMANET CARD I BEEN WITH THIS BANK FOR YEARS DO NOT APRECIATED THAT I HAVE TO GO TO THE BANK FOR HOURS AND THEY HAVE DIFERENTS STORIES I WILL APRECIATED IF SOMEONE WILL LISENT TO THE RECORED LINE AND SEE THE ON ACURED EXPLANATION AND FALSE STATEMENT TODAY THEY TOLD ME TO WAIT THAT I WILL RECIVED MY DEBET CARD BY XXXX LEFT WORK EARLY TO BE HOME LOST A DAY FROM WORK AND NEVER RECIVED MY CARD
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 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 feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report 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, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MN)

i received an email on XX/XX/year> from Chime regarding a Chime XXXX XXXX XXXX XXXX Credit Card that i did not authorize or apply for. it also said i have a checking account opened. I did not open this account. i called and gave all my personal information to chime and ask them to close the account. I am still receiving emails from chime and they have not honored my request to close the account.
Consumer complaint received 2021-10-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST (MA)

Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the vessel would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document vessel with Coast Guard
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$270.00} ; XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

Received official letter XX/XX/XXXX calls repeating to my number, husband number, sister, and son number. Attempted to set up a payment arrangement on XX/XX/XXXX due to XXXX check comes once a month, spouse has no job due to both of us in car accident XX/XX/XXXX. Company refused to set up payment plan and said it will go to credit report with or without payments made.
Consumer complaint received 2021-08-20
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: CREDIT ACCEPTANCE CORPORATION (NJ)

On XX/XX/, my friend who was buying a car ask me to accompany her XXXX XXXX XXXX in XXXX, Nj. Once we get there and socialize and talking car dealers sales man says since I live in NJ my friend would get a cheaper car insurance rate if she uses my address, and I agree to use my address. A couple of weeks later after she buys her car, next thing we know the know the car titles and everything in a my name. I do not know how to drive and DO NOT have a driving license. I DID NOT agree to putting my name on her car loan. I was NEVER aware I was a co-signer until after we left the car dealership. When we called the dealership they stated there was nothing they could. I haven got student loan that I am working to sort through and we unemployed at the thing and receiving unemployment and would NEVER exhaust my credit history like that. I really DO NOT know what did this happen, and did not authorize this loan.
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services (WI)

i received a call from a woman named XXXX at my place of work, idicating this was a final attempt to contact me about docket number XXXX. im not sure what this is for. i have not rec 'd anything in the mail nor my personal phone.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

XXXX had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by XXXX And had falsified responses to this CFPa. 

This is an extreme liability violation. 

You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at XXXX  unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws XXXX XXXX XXXX XXXX XXXX. - and Friday XX/XX/2023 at XXXX I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. 

Friday XX/XX/2023 at XXXX  is the cutoff for contacting me to remedy your violations. 

Follow the laws. 
.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect
Consumer complaint received 2021-06-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I tried to speak to someone at Vance and Huffman and they keep transferring me to other companies. I didn't take out this loan and even offered to settle the bill but they wouldn't talk to me. This is not my account but its reporting on my credit report. This is not my account. I have sent paperwork in and even certified mail.