davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (WA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, 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. (WA)

Experian is reporting child support that was mistaken showing up on my report in XXXX when DSHS made a mistake with wrong XXXX. 
This account needs to be removed completely from my credit report as requested several times. 
XXXX XXXX XXXX Account Number - Balance XX/XX/XXXX Date Opened Paid, Closed/Never late. XX/XX/XXXX
Consumer complaint received 2020-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (KY)

XXXX account was linked to my US Bank account and was overdrawn .. also my credit card was used while for an unauthorized transaction. Identity was stolen. Photo ID, birth certificate, and social security card from my break in at my house. And documents where stolen from my vehicle that was towed after being arrested. Also XXXX account was linked to bank account where unauthorized transactions where made. Numerous XXXX phones .where stolen and account was hacked with invalid software. XXXX phone XXXX account had been hacked and stolen. XXXX account been hacked
Consumer complaint received 2023-03-22
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$2900.00}.
Consumer complaint received 2021-08-11
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. (OH)

I sent in a dispute to TransUnion to have inaccurate information removed. Transunion started the investigation on XX/XX/2021 after they received it. So, the investigation started on XX/XX/2021 and it is now XX/XX/2021. The investigation has taken over 40 days and they keep switching the date of completion. It was originally supposed to be done on XX/XX/XXXX and now it was changed from XX/XX/XXXX to XX/XX/XXXX. They need to delete the disputed information since they've already gone over 30 days for the investigation and have not sent me the dispute investigation results and its been over 40 days. I have not received any written correspondence which is required by law specifically the FCRA laws. 
As of today on XX/XX/2021, they have closed the dispute ; however, they exceeded 30 days for the dispute investigation. Even though there was an error on their part, I should not be denied my dispute investigation resulting in the deletion of the disputed information according to the FCRA laws that they ignored. 
Please do not give me a generic response. I followed the required procedures for having my dispute investigated as Transunion previously stated : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. XXXX XXXX will enter your dispute into our system and review all information and any additional documentation you provide to determine the next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. 

Again. The dispute investigation has been closed as of XX/XX/2021. The bankruptcy needs to be deleted in accordance with the FCRA laws that have been violated. After the first 30 days, the disputed bankruptcy was supposed to be deleted. At the fault of Transunion, the investigation took place from XX/XX/2021 until XX/XX/2021. 

If this does not get resolved I will be filing a lawsuit since I have not been given a clear explanation of what happened up until this point when the investigation was active on XX/XX/2021, until XX/XX/2021. When I spoke to Transunion 's dispute department they stated that everything was fine and after XX/XX/XXXX, the dispute investigation was still be reviewed even though it was a system error. Regardless of whether or not it was a system error, I have nothing in writing and that statement of a " system error '' is not justifiable especially since no Transunion employee informed me of when the dispute investigation was supposed to be resolved before there was a " system error. ''
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This issue is deeply concerning to me, as it is affecting my ability to sleep. Given my consistent history of timely payments, I am urgently requesting an immediate update to my account to alleviate the distress it is causing.
Consumer complaint received 2024-02-23
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was compromised. I think it started from XXXX XXXX XXXX XXXX My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northeast Recovery Solutions, LLC (TX)

I was in the process of applying for a loan and my credit report was ran on XX/XX/XXXX. It showed that I had an outstanding balance of {$1500.00} from XX/XX/XXXX with NATIONWIDE RECOVERY SYSTEMS ( NRS ) on behalf of XXXX XXXX XXXX. On XX/XX/XXXX, I called NRS to verify what this was about since I was unaware of it. I had not received a single notification about it in 4 years. They confirmed that the initial bill was mailed to an incorrect address and was returned. I gave them my correct address, informed them that I wanted to pay the balance and asked for a letter showing that the original invoice went to an incorrect address. I was told they could not provide that information because they didn't have a template letter for that. I asked to speak with a supervisor and was put in contact with XXXX XXXX. I explained to him that didn't know I had a balance with XXXX because it went to an incorrect address and that I was willing to pay it off in full now. I also asked for him to send me a letter stating that or proof that the original invoice had an incorrect address and he refused to provide me with such communication. Mr. XXXX said they could only send a confirmation letter stating that I paid the full amount. He also informed me that my other option was to dispute the charge. I wasn't going to dispute the charge since it was legit, wanted this off of my credit report and I went ahead and paid the balance because they said it would show ''PAID '' faster if I went through them rather than if I paid it through XXXX. I am absolutely disgusted with the lack of customer service Mr. XXXX provided. He offered no suggestions on how to reach a solution to my inquiry. He did not offer to find out if there was something else he could do. He only repeatedly denied my request So after some research and finding out that what I had requested ( proof that the original bill went to the wrong address ) was nothing new and outside of a reasonable request, I came here to file a complaint. I am in the fortunate position where I am able to routinely pay off my monthly bills. My credit report will show an exceptional payment history except for this one incident. It is nearly impossible to pay an invoice when you are unaware that you even have one. Debt collection agencies are very quick to make folks lives difficult and when they have an opportunity to assist with a simple gesture, they refuse that service. Nobody wins. That is sad and unfortunate and I believe there needs to be better training - especially at the managerial level at NRS.
Consumer complaint received 2017-08-17
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)

Equifax credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IL)

I lived at an apartment complex and was transferred for my job. I notified palm apartment via email according to the contract if I proved it was for work there wouldnt an issue this was over three years ago. They said I broke the contract and said there were damages in the apartment which there were not. I advised the palm apartments that we would take this to litigation because their information was incorrect and they were just trying to get money. Never heard anything from them. Then in XXXX of XXXX  a company called Iq Data international put a negative report on my credit for {$3800.00}. Palm Apartment was advised of the move via email and the charges were not legit. I have asked for sign contracts and my emails of the move and no response. The information that Iq Data International has place on my account in incorrect, they said it started in XX/XX/2023 when in fact it is over XXXX years old and no litigation was filed to prove I owed anything. 
The false information and incorrect information they placed is effecting me from purchasing a house and giving me a low credit score. This company has had many issues and complaints why does the government let a company like this continue to XXXX people and lie.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed the accuracy of the information on my credit report from XXXX XXXX XXXX, account number XXXX. There are 2 entries from this account on my credit report, one shows a perfect payment history and the other shows 120 days late in XX/XX/XXXX. When I disputed this inaccuracy in XXXX, it was corrected to reflect no late payments since my account was in forbearance and no late payment should have been reported. However, with Equifax, the account is still showing 2 different account entries and I only had one account. The information on both of them is inaccurate, nothing matches, and I have requested for this information to be deleted from my credit report due to inaccurate information. I filed a recent dispute on XX/XX/XXXX and Equifax returned the dispute as accurate, when it is clear there is a discrepancy. I have attached the results from both disputes that were unresolved. I want the information from XXXX XXXX XXXX removed from my credit file with Equifax.
Consumer complaint received 2024-02-23
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. (TX)

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of [ Company Name ], I expect transparency, integrity, and swift resolution when faced with such matters.

On [ Date ( s ) ], I discovered fraudulent items on my account/statements, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items.

Offer compensation for the inconvenience and emotional distress caused by this ordeal.

Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (CA)

Helvey and Associates did not send me any notifications ( letters, email, phone call ) to indicate that I had an outstanding debt of {$360.00}. I was made aware of this debt by reviewing my own credit report. I reached out to the company on XX/XX/2021 to inquire about the debt and left a voicemail. I did not receive a response. I reached out to the company again and was notified that their system was down and they couldnt provide me with any information. I was informed that I would be contacted once their system was working, but this never happened. I had to call them again and finally got in touch with someone who could provide details regarding the outstanding debt. I made payment once I received the bill. I requested that their derogatory report be removed from my credit report since I was not provided with any prior notifications, but they refused. As a result, my credit score has dropped by over 100 points due to no fault on my part.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERIS BANCORP (GA)

My account has been charged fees out of retaliation for my complaints with the consumer Federal protection bureau. I was told by XXXX XXXX XXXX vice president branch manager and XXXX number XXXX that if I make any other complaints about fees all of my accounts will be closed. Today I realized there was additional fees taking out of my account that I was not entitled to pay. I went in the branch asking to go over the fees one by one. The branch refused instead referred me to speak to XXXX XXXX district manager over the XXXX branch location that I visited. And which she was rude to me as always and advised me that my account all three of them will be closed at the bank 's discretion. And that they would not go over any fees with me.
Consumer complaint received 2022-10-07
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Please see attached CEASE AND DESIST. I initially sent in XX/XX/2022. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.