davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
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. (IL)

Where do i start wrong addresses wrong spelled names wrong ss # wrong phone numbers addresses from 30 years ago they say its factual and will remain and no its not factual or they say it will be removed and then it comes back a few days later 3 years fighting with the big 3 over this im about to take out {$150000.00} loan max out my cards then use the money to sue all 3 and let them report that as factual and let them pay it all!
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. 
I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2017-08-03
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. (MD)

To whom it may concern, I mailed a Multiple inquiry removal letter to Equifax on XX/XX/XXXX by certified mail to dispute information on my credit file in regards to XXXX hard Inquiries that I did n't authorize. This company received my certified letter on XX/XX/XXXX and I received a completed response on XX/XX/XXXX, confirmation # XXXX. The request that I submitted was for the XXXX hard inquiries that were not factual but I received a response saying, " Inquiries are factual record of file access and if you believe this was unauthorized please contact the creditor, '' and it gave the creditors information. According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) it states that any information can be disputed and MUST BE INVESTIGATED and if you DO NOT INVESTIGATE AND RESPOND, the CRA mist delete the disputed information from its files. I received a response to my request 4 business days after they received my request so I must assume that no full investigation on this matter even took place. I 'm in the process of purchasing a home for my family and I but I was told with these many inquiries on my file that it looks like a sign of financial trouble, which that is not the case here. I 'm submitting this complaint due to lack of investigation of these XXXX hard inquiries that I have NO KNOWLEDGE OF NOR DID I AUTHORIZE! After receiving this response on XX/XX/XXXX, I called and placed a Security Alert on my credit file which was in place for 90 days. As of today more inquiries were put on my file even after my security alert that I received no knowledge of which whomever was pulling my file was suppose to contact me directly as stated by the security alert. I called Equifax and spoke with agent XXXX concerning these inquiries again because I had not sign for anything nor authorized anything and he informed me that I COULD NOT DISPUTE THIS INFORMATION I had to call the creditor! This is unfair practices by a credit reporting agency with no concern for the worthiness of a consumer and I 'm very displeased with this company.
Consumer complaint received 2023-01-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXXB XXXX : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX  XXXX : {$10000.00} XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alliant Capital Management LLC (MI)

XXXX XXXX XXXX XXXX amount {$800.00} was removed from my credit report after an agreement in the winter of 2018. 

The account has re-appeared on my report under Alliant Capital Management.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX XXXX - XXXX, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian 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 Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (AZ)

On XX/XX/XXXX I was notified through XXXX XXXX that there was a derogatory make on my credit. I pulled my credit report and it showed that Caliber Home Loans reported by mortgage 120 days past due. My mortgage with Caliber was placed in deferment because my husband and I were affected by COVID-19. Before my forbearance period was up my home sold and the loan was paid in full. I disputed this on the XXXX website. I am closing on my new home in 2 weeks and I can not have this false derogatory mark on my credit. This is a violation of the CARES ACT! I called Caliber home loans today XXXX and spoke to a teller who informed me it was reported to my credit this way because my loan was not " caught up '' before it was paid off. I asked to escalate the issue. I was then given to a " supervisor '' who then told me they did not report it to the credit bureau. I asked again to escalate the issue as time is of the essence because I am closing in 2 weeks and I can not have this on my credit. She refused to give me to anyone. She said it would be reviewed. Again, I explained my situation and was told there was nothing else she could do. I asked over 10 times to speak to someone in credit  reporting or servicing and my request was denied. I have no other choice but to file a complaint in hopes that I can get this violation of the CARES ACT resolved.
Consumer complaint received 2023-01-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2021-05-23
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: Aargon Agency, Inc. (NV)

I reviewed a current copy of my credit report ans show incorrect information alleged listed. Account name AARGON AGNCY ( Original Creditor : XXXX XXXX ) and account number XXXX is alleged to show a hospital collection which is a direct viloation of HIPPA . I have not given any consent to review hospital or my personal information. I attempt to acocunt collector with no reply to confirm debt and I also reached out to credit bureaus with no reply which is over 60 days old and is a direct violation of FCRA and FDCPA. Also, this acccout is showing and open balance of {$1200.00}. Which I do know per FDCPA that a collection/charge off is to report a {$0.00} balance. Please delete this account.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have been having an issue with Transunion in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. 
I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XXXX of XX/XX/2020.
Consumer complaint received 2020-06-27
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NY)

On XX/XX/2020 I received an alert from XXXX and XXXX   that a derogatory remark was added to my credit report along with a new collections account. I had no idea where this was coming from. I called the number associated with the collection company. South West Credit Systems LP. They informed me that this is a debt from  XXXX XXXX. Which is also referred to as XXXX and XXXX XXXX. I explained that this information was incorrect. I had already paid this debt and my account was closed. I was referred to a supervisor. I sent him an email explaining the circumstances and I included a letter which stated that this account was removed from my credit report. I also asked for their Consumer Affairs License number as I will send over a formal complaint to the Department Of Consumer Affairs. South West Credit Systems LP, is in violation of the Fair Debt Collection Practices Act. South West Credit Systems has not provided me with the following information at initial contact or within five days. A list of the collection activities prohibited by the federal Fair Debt Collection Practices Act ( FDCPA ). Or the types of income that is protected from collections. Nor have they provided me with information about the identity of the original creditor and an itemized accounting of the debt.The amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections ; the amount of other fees and charges ; or payments made since the debt was sent to collection. South West has reported on my credit report and in a letter dated XX/XX/2020 ; that they have had my account in their office since XX/XX/2020. However, I never received any of the above mentioned discloures or rights I'm entitled to by federal law until XX/XX/2020. My complaint that was written to the supervisor, stating I would make a formal complaint with The Department of Consumer Affair, is when I received bills and disclosures in the mail dated XX/XX/2020 not at initial contact or within five days. I will hold all parties accountable. South West Credit Systems LP and XXXX XXXX regarding my civil rights, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act. My civil rights were violated and so was the federal law. South West Credit Systems and XXXX XXXX are prohibiting me from moving into a new home with my family during unprecedented times. During a pandemic. Which Covid -19 has affected me personally. I made an agreement with XXXX. My account was PAID and CLOSED with XXXX Collection Agency on XX/XX/XXXX, XXXXThis account was also removed from my credit report by XXXX. If this matter isn't corrected I will pursue legal action. South West Credit Systems LP said they had my account since XX/XX/2020 however XXXX was the agency who negotiated, agreed and collected on my account. Please remove this account from my credit report immediately. Best Regards,
Consumer complaint received 2020-09-14
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. (FL)

MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). XXXXThey 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 Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

To Summarize what happened in Simplicity the DUA/PUA governmental payments that was made to my Chime bank account owned by the XXXX XXXX  on XXXX XXXX of 2020 MA DUA deposits {$7000.00} into my account money that is owed to me the following day not even 24 hours CHIME bank decides to close my account due to violation and the violation is too many deposits at once so I email them because they have no other form of communication you cant even call to speak to an actual human being and within the email I stated how this is money from the government and I have full proof and credentials for they then email me back stating to contact the MA DUA/PUA and explain what happened they then informed me that the bank itself who closed my account must return it he funds from where it came it has been over a month now waiting and nothing has happened I need help please
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (LA)

US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by me!!!
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J&D Recovery, Inc. (KS)

The first occurrence was on XX/XX/XXXX. Part of this was bad timing ; however while I was at a doctors appointment my father called my frantic. He said that someone tried calling him looking for me. Then this same person 10 minutes later called my XXXX year old brother who is now calling my father worried. And then 10 minutes after that called my XXXX year old son. Everyone was panicked. It was horrible timing, and I told him to never call my family again. He said he got all of their information from the state of KS. 

Then the strawthe debt collector called my work twice on XX/XX/XXXX. I told them this was my work, and she kept placing me on hold. I was trying to work so I hung up. She called back and said we must have got disconnected and I told her again for the XXXX time this was my work. She became argumentative and I hung up as I was trying to work. 

Then Monday, XX/XX/XXXX, I received another call on my direct work line. I recognized the number and was on hold for around a minute when the girl got on. It was the same girl, XXXX XXXX, and I told her, AGAIN, that this was my work number and the XXXX time I have told her NOT to call me here as now it has made my office aware of my private situation. She said this is not your work number. She also said this is what the girl gave me to call. Well she did call my work, the receptionist gave her my direct desk number at work. I told her I had to get off the phone because I was working and she said I wasnt working??? 

I have the collection agency to send me documentation clear back in XXXX and have yet to receive it. I was told to go online and check it. I told them I wanted verification of the debt from them in writing. Still nothing. I have worked with collectors in the past, but never anything so vile in my life