davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

XX/XX/XXXX I attempted to place a credit freeze on my Equifax account as follow-up to an identity theft incident. First, I followed the online process, but at the end of the identity verification process the screen indicated the process could not be completed online and I would need to do it via phone. 

When I placed the call, a robot took me through identity verification and then told me it was not able to complete the process. I proceeded to talk with an actual person who took me through identity verification a third time and then told me she could not complete the process. 

She told me to send a written request along with copies of my drivers license and social security card to : Equifax XXXX. XXXX XXXX XXXX GA XXXX attn equifax security freeze dept XX/XX/XXXX I mailed the above items. 

XX/XX/XXXX Two months later, there is still no credit freeze on my account!
Consumer complaint received 2020-09-18
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC (FL)

I rec 'd a call from XXXX  XXXX XXXX XXXX saying I didn't pay my account right and they needed my credit card ASAP or turning off my electric. I gave my XXXX XXXX XXXX credit card but they were not XXXX  XXXX XXXX  XXXX  and transferred money to JPAY to pay a prisoner in the XXXX XXXX area. I didn't know this but when I hung up I felt I had been scammed and called XXXX XXXX XXXX XXXX told them the story not knowing about JPAY and they checked with 15 minutes of my scam called and said I was charged {$210.00} I said it was fraud and they canceled my credit immediately. They issued a new credit card and said to activate immediately. I did and they transferred the scam charges to my new account. I have tried called several companies including the Police, The Sherrif 's Office, The Federal Trade Commission, XXXX XXXX XXXX, JPAY, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several calls account still has scam amount due
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have filed two disputes with Equifax since XX/XX/2023 ( XX/XX/2023 & XX/XX/2023 ) regarding the removal of unpaid medical debt under {$500.00}. The collection agency XXXX XXXX XXXX refuses to stop reporting/remove it and Equifax is refusing to remove it from my credit report stating that the debt is still valid and has been verified. I am aware of the reporting changes regarding medical debt. I had no issues getting both of the collections removed from my XXXX XXXX XXXX credit reports so I don't understand why Equifax is refusing to remove them. 

The first debt is for {$50.00} from XXXX XXXX and the second one is for {$100.00} from XXXX XXXX XXXX.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OH)

TD Bank offered me a {$1400.00} offer to settle my account & it will be considered " PAID IN FULL ''. This is also a balance I took care of even though the card was opened without my knowing and they Rep said I was still liable & I sent adequate infromation on no way possibly being able to open a cosumer credit card.
Consumer complaint received 2021-07-05
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. (LA)

XXXX XXXX is not showing me how this is my account when I properly reported identity theft to the FTC. I have been disputing this account since XXXX when I found out about it. My information was taken and used to open a loan on a car as a joint co-signer. I gave no one permission to go in my personal belongings and take my information and sign my name and use my information to do anything. Im tired of dealing with XXXX XXXX to no avail because they are trying to pin something on someone when I was not even there. This is really hurting my life and I keep fighting it and fighting it, because these people used my information without my consent they are going to pin this on me. XXXX XXXX needs to be shut down. I have been disputing this with Equifax as well to no avail. This company keeps changing the remarks on the account open closed, late this is not my account I should not have to suffer for this fraudulent account.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My student loans has been forgiven as of XX/XX/year>. The department of education has sent all 3 credit reporting agencies the information. Transunion is the only credit agency that has not removed my student loans from my report. I have filed several disputes and Transunion will not change my report
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: Experian Information Solutions Inc. (NV)

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
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian is reporting a late payment for XX/XX/2020 yet XXXX  is reporting paid on time. therefore Experian is reporting inaccurate information. which is clearly an FCRA violation.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Re : American Express Bluebird prepaid debit cards Beginning around XX/XX/2020 people started finding themselves locked out of their accounts online and via the Bluebird app. Calling the one customer service number ( XXXX ) only gets you a recording and hours on hold with no one picking up. Ever. There is no email address. American Express will only refer you to this number or Serve at XXXX, another number which no one answers. 

JUST TO EMPHASIZE HERE, CONSUMERS HAVE BEEN UNABLE TO ACCESS THEIR OWN MONEY FOR 3 WEEKS WITH NO EXPLANATION WHATSOEVER FROM AMEX, XXXX, SERVE, OR ANYONE ELSE. THIS IS AMERICA. THIS IS UNACCEPTABLE AND CRIMINAL. 

These are prepaid debit cards onto which consumers can have funds directly deposited. For example, I had my employer deposit a small portion of each paycheck to my card, which I used for gas. But some people may have their whole paycheck deposited to it, or their unemployment, stimulus money, or tax refund. NONE of which is now accessible. American Express claims they have nothing to do with the debit cards that are emblazoned with THEIR name and logo. XXXX is the company Amex sold this division to : XXXX XXXX XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (RI)

Got in a multi-car accidence on a rental ; the other party is at fault. My insurance company issued all required payments to the car rental company to settle any claim against me, and informed the car rental 's representative agency and subsequently the debt collector, Viking Client Services, in written response that they should stop contacting me on this matter. Received a letter from the collection agency dated XX/XX/2020 offers to settle a {$1300.00} debt that they knew I do not own. I truly believe the debt collector is acting in bad faith to scare me to pay them on something that they are well aware that I do not own or entitle to collect.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance to the fair act convergence account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, DPT EDXXXX, US DEPT ED.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

This was a co-signed loan for my niece. She paid off the loan in 2020. They removed the amount 3 times in her bank account and refunded once. NMAC told her they had recently switched to a new payment system and there was an error on their part, they would get it corrected. My niece had to pull her bank statements to show where the payments had been made and they finally corrected the mistake. When I pulled my credit report on XXXX, they had reported that the payment was 60 days passed due and it has pulled my credit score down. I called the customer service number and they denied that they even reported to the credit bureau and there was nothing showing on their end to even report as late. They refused to correct the inaccurate information and when I explained that I needed that in writing they refused again. The first customer service rep. was XXXX ( refused to give any more info ) He also said there was no manager there and refused to give corporate info. The second was XXXX and when I explained I would like to record the conversation since they would not give me anything in writing, He refused also. I called XXXX in the corporate office after having to XXXX the number and she suggested at first to transfer me back to customer service, I explained the responses I had already gotten and then she suggested that I call the dealership where we purchased the vehicle originally, I called and XXXX ( manager ) said there was nothing they could do, they had nothing to do with Nissan 's finance dept. I went back to my credit report online and clicked on the link to dispute this.
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (GA)

First Financial Asset Mgmt. Inc. ( FFAM ), a collection agency, on behalf of XXXX keeps sending me debt collection notices and keeps calling me for {$51.00} that I have never charged. I have provided them with written explanation and showed them the status of my account with XXXX that clearly shows that I do not owe them anything. I have not sought any services from XXXX in XXXX. For XXXX, I have paid XXXX {$3000.00}, my full out of pocket contribution and my insurance company has paid the rest ( over {$30000.00} ). Thus, I do not have any outstanding balance from XXXX. In addition, I have never received any invoices from XXXX for {$51.00}. As of today, my account in XXXX 's systems shows {$0.00} balance and in excellent standing. I have requested both XXXX and FFAM to provide me the details of their claim and they have failed to do so. I have informed both XXXX and FFAM, that if there were any outstanding balance from XXXX, they should present the claims to my insurance company and they would pay for it as I have already paid out of pocket maximum of {$3000.00} that I am obligated to do.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I learned a few months after this debt collection agency reported to XXXX   that I do have a record of debt collection on my report. There were 3 separate records by USCB for various amounts ranging from {$61.00} to {$260.00}. The original creditor is XXXX XXXX. 
I immediately disputed all of them since I didn't go to XXXX for the last 10 years. My insurance is XXXX XXXX through my employer. XXXX  resolve 2 of the 3 disputes and kept one of them, for {$260.00}, saying " The company that reported the information has certied to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ". There are no details to review, I can't see how they " certified ''. I've never received a debt collection attempt in the mail, no phone calls. I have no way to contact USCB since they don't list an email or phone number on their website.
Consumer complaint received 2020-06-02
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. (PA)

I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
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. (NV)

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2020-06-02
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late date : XXXX Creditor : XXXX XXXX Late dates : XXXX, XXXX XXXX XXXX XXXX date : XXXX XXXX XXXX XXXX XXXX, XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and remove it.