davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (AR)

Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

I have always received a check to pay my property taxes. It has always come around the middle of XXXX. I called today XXXX because I have not received it yet. I was told that it was changed to installments in XXXX. I did n't receive any notice of the change. And will not be able to take a tax right off if it is n't payed in full by XXXX.
Consumer complaint received 2023-04-01
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}
Consumer complaint received 2022-04-07
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. (FL)

In accordance to the fair reporting credit act TRANSUNION, XXXX, and XXXX has violated my right. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give TRANSUNION, XXXX and XXXX no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Consumer complaint received 2021-12-03
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: CAINE & WEINER COMPANY, INC. (GA)

I wrote Caine & Weiner on XX/XX/2021 asking for validation of an alleged debt that they claim I owe their company, in this letter I also declined their invitation to do business. I told them to produce the validation of the alleged debt, if they could not produce that information they needed to cease collection activity and close the account. They did neither of them, what they did was insert it onto my credit report, which is a violation of the FCRA. If an account have not been validated it could not be on my credit report. They responded on XX/XX/2021 with a printout from their database that does not constitute validation. Anyone could make up a database with other people personal information that doesn't mean it's valid. I then responded on XX/XX/2021 letting them know that and informing them of their of the federal and state laws they have violated and demanded for the item to be deleted in 10 days. They did not respond to my letter and still have not deleted the unvalidated account from my credit report.
Consumer complaint received 2023-04-01
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. (MD)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (OR)

In XXXX of XXXX the American Express account was opened. Beginning of XXXX payments went into delinquency. On XX/XX/XXXX, the account was closed and at the end of XXXX or beginning of XXXX, the account was charged off as bad debt as a result of a court hearing that they never served me papers for or contacted me. I was only contacted after the fact via mail. This account says I have a past due amount and they tried to contact me again in XXXX of XXXX. The account had, at that point, been closed and charged off for XXXX years. This account is too old to still be on my credit report I believe and they have continued to harass me for payment on the account even though it was charged off as bad debt.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and XXXX have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian and XXXX XXXX are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. The Credit bureaus are in complete violation of Fair Credit Reporting Act.
Consumer complaint received 2019-08-19
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. (NV)

I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor.DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX   XXXX****
Consumer complaint received 2019-08-19
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. (NV)

I have disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor. DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX XXXX****
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXXL/XXXX - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Consumer complaint received 2021-05-07
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: Self Financial Inc. (IL)

I emailed self inc about paying my credit card to XXXX balance last month. I reach out to the company three times why they have not reported anything to credit report. They never gave me direct answer. And I showed them proof and they still have not reported nothing since XXXX of 2021. It is now XXXX of 2021.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (CA)

I am submitting this complaint because CREDIT CONTROL CORP has damaged my financial emotional life. They have been being negligent with their report. The account involved is the following : Account : XXXX Date Opened : XX/XX/2018 Original Balance : {$570.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc.

Please send the attached documents to the company.

Thank you.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

Account # XXXX Resurgent : XXXX I am writing to dispute certain inaccurate information in my credit file. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, removing this erroneous information from my credit report. 

Upon reviewing my credit report, I have identified a negative account entry that I do not recognize. I am concerned about the accuracy of these entries, as they do not accurately reflect my credit history. I received a reply from XXXX of Resurgent again, which provided conflicting information and violated my rights by again reporting inaccuracies to CRAs. It did not address my complaint.
Consumer complaint received 2023-04-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : OFFICE OF THE ATTY GEN XXXX Date opened : XXXX XXXX XXXX  Balance : {$15000.00} ATTORNEY GENERAL-CHI XXXX Balance : {$16000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX XXXX  Balance : {$15000.00}
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I rented a car from XXXX - {$460.00} credit card hold, XXXX XXXX - {$630.00} debit card hold, Chase - {$300.00} cash deposit On XX/XX/XXXX due 2 separate issues with the car, I returned the car I was supposed to get a 100 % refund. 
The refund was {$300.00} deposit returned The {$460.00} credit card they stated was never charged. 
My {$630.00} was never returned to my debit card The last bewildered I got, customer service telling me to stop contacting them. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (KS)

Folks : I have tried to rectify, with Avant, a balance they are saying I owe that were some fraud charges on my card. These were reported to Avant. They said they would remove these charges from my card, many months ago. 

Today, via XXXX XXXX, I became aware they were charging off an amount of {$260.00}.
Consumer complaint received 2019-08-19
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. (CO)

In this description I will repeat myself several times, because God knows Equifax with Claim they don’t know what I’m asking for.… They do this because they don’t want to correct their errors.I have tried repeatedly to get Equifax to correct this fraudulent account. I don’t understand how Equifax is not sanctioned and fined more than they already have been.  Beyond breach; their systems are poorly ran - their completely incompetent and they never check fraud properly.  Leaving consumers to consistently have to waste time on via phone, mail and Complaints to this agency.   There’s a tiny collection from XXXX on my account,  It’s only $XXXX  but I never authorized this debt. If I had I would’ve paid it!  For gosh sake’s it’s only $XXXX but it’s not mine. I first tried to dispute because I’m not sure how it ended up onReport.I never approved nor signed for this service. Yet once again Equifax fails to ask for proof in writing. I demand written proof with my signature approving any and procedure for this date of service. I know it doesn’t exist because I never authorized service from this company from this time period.My demands1. Demand of proof of signature or authorization of service.2. Removal immediately - Since I know I did not authorize this they should be immediate!
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Check # XXXX for {$180.00} payable to XXXX XXXX XXXX 1. XX/XX/XXXX Check presented to my checking USAA XXXX. Account NSF, check returned and fee assessed for {$29.00}. 
2. XX/XX/XXXX Check presented to USAA and again NSF, returned and assessed 4 x {$29.00}. Fee for  XXXX returned check and 3 for items returned due to the overdrafts on other returned items due to the overdraft. 
3. XX/XX/XXXX Check presented third time. I have Direct Deposit and because there were funds now available the check was paid. The check should have been returned, XXXX processing information on front and back of check 3 times. 

I am disputing the payment by USAA and presentment by the merchant bank, XXXX, for allowing a check processed and returned two previous times. The outdated practice of allowing auto representment a second time has been considered in this case. However, the check would have been returned to XXXX XXXX after the second representment. At that time, this check would not allowed to be presented as an original deposit and especially an NSF returned two times.

These two banks are in violation of the banking rules.

I requested USAA return this check AGAIN and they have declined.

I want the {$180.00} refunded back to my account, as well as any other fees assessed due to this violation.
Consumer complaint received 2023-04-01
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-05-07
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)

I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XX/XX/2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XX/XX/2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XX/XX/2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XX/XX/2021 {$240.00}
Consumer complaint received 2021-05-07
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. (MD)

I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$240.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by XXXX Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

As a consumer, I have sent numerous certified mail disputes as well as completed several strong factual disputes of errors reporting incorrectly on my credit report and requested deletion of these accounts due to these inaccuracies. Accounts remained on my credit file. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They had 15 days to respond with that information but due to the pandemic I allowed extra time. I recieved dispute results today with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As a consumer, my credit file is supposed to be 100 % complete and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. 

1. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered for the account with a high balance of {$2700.00}. That same account is reporting as 120 days late which is inaccurate due to payment being made on XX/XX/2021. These accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments reported when the accounts were a collection, there was no contract or agreement ever signed for these debt amounts. Request creditor provide the contract with the monthly terms and payment due dates to prove I was late. Please delete these accounts immediately from credit file due to these blatant inaccuracies.

3. Dept. Of Ed/XXXX ( 2 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, Both accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Equifax. Please delete all these inaccurate late payments immediately! Per FCRA E OSCAR verification is not sufficient.