davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-02
Product: Credit reporting 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. (TX)

I am submitting a formal complaint regarding several accounts that are inaccurately reported on my credit report with Experian. These accounts include XXXX XXXX XXXX XXXX ( Account XXXX ), XXXXXXXX XXXX XXXX ( Account XXXX ), XXXX XXXX  ( Account XXXX ), XXXX  ( Account XXXX ), XXXX XXXX XXXX Account XXXX ), XXXX  XXXX XXXX Account XXXX ), XXXX XXXX XXXXXXXX XXXX Account XXXX ), XXXX XXXX XXXX XXXX Account XXXX ), XXXX XXXX XXXX ( Account XXXX ), and XXXX XXXX XXXXXXXX XXXX Account XXXX ). These accounts either reflect inaccurate, outdated, or unverifiable information that does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have previously disputed these accounts, with the companies either failing to respond or requesting additional personal information, which I have a legal right not to provide under the FCRA to prevent the possibility of identity theft or fraudulent activity. I mailed a dispute letter to Experian on XX/XX/year>, and to date, I have not received a proper response within the 30-day period mandated by FCRA Section 611 ( a ), which legally obligates credit reporting agencies to investigate consumer disputes. I am now requesting the removal of these accounts from my credit report due to their failure to comply with federal law in verifying these debts. Immediate corrective action is necessary to resolve these inaccuracies and restore the integrity of my credit report.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

1.I have never had an account with this company MIDLAND CRED  XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MIDLAND CREDIT MANAGEMENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2017-07-24
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. (CA)

Equifax is inaccurately reporting an account for a previous car loan with XXXX XXXX XXXX that has been removed from other credit bureaus because the car was returned and the balance satisfied. When asked Equifax to remove this item they are using my name and identifying information to confirm the account without properly checking the records for this loan.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE BEEN IN XXXX XXXX FOR OVER XXXX YEARS, DURING THE COURSE OF MY XXXXXXXX XXXX, SOMEONE HAS BEEN USING MY IDENTITY AND PERSONAL INFORMATION TO OBTAIN GOODS AND SERVICES USING MY PERSONAL INFORMATION. THERE ARE MANY FRAUDULENT ACCOUNTS THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT, I HAVE DISPUTED THEM MANY TIMES AND THE CREDIT BURURES KEEPS REPORTING IT BACK TO ME AS AN ACCURTE AND VERIFIED, THE QUESTION IS HOW ON GODS GREEN EARTH IS IT VERIFIED WHEN AT THE TIME THE ACCOUNTS WERE OPENED I WAS XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I KEEP ASKING FOR PROOF OF THE DOCUMENTS AND I STILL HAVE NOT RECIVED ANYTHING TILL THIS DAY! ..ALL THESE FRAUDLENT ACCOUNTS ARE LINKED TO FRAUDULENT ADDRESS, FRAUDLENT PHONE NUMBERS, FRAUDLENT EMAIL ADDRESS ETC ETC, NONE OF THERE INFORMATION MATCHES MY INFORMATION EXCEPT MY SS # AND MY D.O.B, I WOULD LOVE TO HAVE THE OPPORTUNITY TO HAVE A FRESH START IN LIFE AND PUT ALL THESE PROBLEMS AND ISSUIES BEHIND ME. 
PLEASE HELP ME RESOLVE THIS ISSIUE. 
THANK YOU. 
XXXX
Consumer complaint received 2016-08-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: E. A. Uffman & Associates, Inc (CA)

I had Medicaid, which paid all of the medical bills XXXX % after a XXXX, including XXXX and XXXX. 

I notified XXXX XXXX XXXX XXXX of their billing error in writing and also by telephone, both times providing my medicaid number. 

However, XXXX XXXX XXXX XXXX sent {$110.00} to collections anyway, even though Medicaid had already paid all of their previous submissions for XXXX reimbursements.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONLINE Information Services, Inc. (NC)

I have never had an account with XXXX energy. My electric services when living in XXXX NC was with XXXX XXXX for some years ( which was taken over by XXXX XXXX in XXXX, i believe that is when the merger happened ) and I never had a lapse in my electric service due to an amount due. In XXXX I moved out of XXXX and have had my electric services with XXXX XXXX since. I did contact 'Online Collections ' in XXXX of XXXX and requested documentation outlining what the debt was for along with the time frame debt occurred. I was told ' You just dont like to pay your electric bill ''? I was also told XXXX energy sent me this information and I should pay this bill. I replied with if you can supply me with documentation that this is my bill .., I will happy to pay. Online Collections then indicated on my credit report that I agreed to pay and now am disputing. As well they never have supplied me with any NONE nothing.., documentation at all.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My card information was stolen since last year, theyve been doing random charges in a different state that Chase has failed to catch. I got an email notification from Chase on XX/XX/22 alerting a suspicious activity. Thats how I found out about the stolen card information. I then reported it to chase immediately. They only credited {$25.00} back to my account. Then they sent me a letter saying the transactions were more than 60 days old and from the same merchant. Which is untrue. The transactions are not even 60 days old. A few says XXXX. I called XXXX customer service, they told me that the transactions were not found in their system, those are not from actual XXXX. Theyre not doing proper investigations on the claims and denied the claim without even looking at it! The claim number is XXXX. Theres also another claim for the same incident they submitted number XXXX, theres one XXXX transaction for {$8.00} it was charged then refunded. Chase took {$8.00} from my account so I lost {$8.00} from the claim. I also filed a police report about it.
Consumer complaint received 2019-03-01
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. (TN)

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached my proof of ID. I do not live at the following addresses : 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 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 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 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 XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2019-03-01
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. (TN)

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL (AZ)

this company made a hard inquiry against me without notifying me. This was for airline tickets. I contacted the bank that did the inquiry hoping to fix it and they denied all actions. Syncb Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Syncb XXXX, FL XXXX ( XXXX ) XXXX I have tried to contact the credit burues but they just give me a run around
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-01
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. (TN)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-03-01
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. (TN)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-08-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — Store credit 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 (FL)

Purchased appliances a t HH Gregg Store i n  XXXX , Fl. on  XXXX / XXXX /  XXXX   in amount of {$4300.00}. Purchased additional appliances on  XXXX / XXXX /  XXXX   in amount of {$1300.00}. On  XXXX / XXXX /  XXXX   went to store to schedule delivery date. Sign at store said store closing. Asked to have order cancelled and told by employee  XXXX   XXXX  that store could only give credit of {$2800.00} credit  as HH Gregg fili ng bankruptcy. Cancelled order for several appliances in amount of {$2300.00}.  XXXX  indicated remaining appliances would be delivered. After several promised deliveries were cancelled by  HH Gregg my  wife received a phone call  from HH Gregg saying  appliances would never delivered. Purchases were all made on HH Gregg/Synchrony bank credit card. Name on credit card was  XXXX   XXXX   XXXX , Account #  XXXX   XXXX   XXXX   XXXX . I have written Synchrony Bank on  XXXX  via  XXXX  certified mail and have receipt of delivery dated  XXXX / XXXX /  XXXX   by Synchrony bank. To date I have not heard from Synchrony bank regarding these disputed transactions as required per their instructions.Please call me to discuss.  XXXX   XXXX   XXXX   XXXX . Thank you,
Consumer complaint received 2022-03-02
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. (GA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} SXXXX XXXX XXXX XXXX BAlance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}