davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-13
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. (PA)

Hello my name is XXXX XXXX XXXX XXXX. I am writing this letter to advise the credit bureaus that there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore I ask that these accounts be DELETED and updated in order to correct my credit file and protect my consumer reputation. I am a victim of identity theft and did not make the inquiries. I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade commission identity theft affidavit. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days blocked. This information has been causing me to be denied by credit companies and loans. I ask that per FCRA and FTC laws and regulations the inquiries and information listed in this report immediately be deleted.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

The account on consumer 's report was marked as a charge-off and based on IRS publication XXXX, canceled debt must be filed on my taxes as income which should not be reported on my credit report. This must be removed from consumer 's credit report immediately. This is a violation of consumer rights because it is incorrect reporting.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (TX)

NOT MY ACCOUNT : Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$10000.00} Highest balance {$12000.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$7600.00} Highest balance {$8800.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$3600.00} Highest balance {$4300.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$850.00} Highest balance {$860.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1200.00} Terms NA On record until XX/XX/XXXX NOT MY INQURIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$470.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX NOT MY NAME : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
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. (MD)

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from Experian, XXXX and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX 2018.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I received a copy of my XXXX XXXX XXXX record and I have found several inaccuracies in the report, and my consumer ID number is XXXX. 

The following information is inaccurate : USAA Account # XXXX marked as fraud USAA Account # XXXX marked as fraud In detail, you recorded that I had non-sufficient funds/checking account fraud with USAA on or around XX/XX/2018. I am disputing this record because it is inaccurate due to identity theft. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litagtion due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.
Consumer complaint received 2022-11-17
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. (IA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX XXXX, and Equifax all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

Debt does not belong to me Received an offer letter to pay 45 % ( {$440.00} ) of total amount of {$980.00} to cease collection activity and the remaining balance with be held with XXXX
Consumer complaint received 2021-05-02
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. (MD)

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, Transunion, and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXXXXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

An alimony check was lost in the mail. So i stopped payment with the bank on XX/XX/2021 check number # XXXX and paid the fee. The check appeared in the mail and my Ez cashed the check and Citizens bank honored the check. Now my account is in the ( - ) and i have written other checks since this time. I have notified the person ( s ) who are expecting monies from me.
Consumer complaint received 2021-08-22
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. (OK)

EQUIFAXS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to EQUIFAX. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

I received a notice from my XXXX account about a collection being reported to my credit report on XX/XX/XXXX. I attempted to contact the company, Paragon Revenue Group, on XX/XX/XXXX, as I had received no notification about this debt. I called the number listed for the company on the XXXX collections notice, because I did not have any paperwork from this company about a debt. The person I spoke to immediately asked for my social security security number, when I refused to supply it she got hostile. I attempted to call back and speak to someone else. Second rep asked for my social security number again, when I refused to give it to her she asked for my account number. I explained I do not have an account number because I had not received any information about this debt. She then hung up. I called back asked for a manager, I was put on hold and hung up on again. I filed a XXXX  complaint. Through the complaint the company 's response was that I would receive formal notice of the collect attempt. Since XX/XX/XXXX, this company has filed 2 notices of non-payment, and 2 notices of account in collections to my XXXX credit report. The original amount listed on my credit report for the debt was {$150.00}, now it is {$300.00}. I still have not received any formal notice from this company.
Consumer complaint received 2021-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

Hello, My loans were transferred over to Fedloan ( a process that took more than 8 months ). 
Regardless, the wualifying payments on my account are inaccurate. Currently XXXX payments are listed as nonqualifying, most are listed as late payments. These " late payments '' were paid on time to my last student lam servicer, so it is obvious that there is an administratove error. 
I would live some assistance getting this issue resolved. 

Thank you
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (NJ)

XXXX XXXX XXXX has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a XXXX representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, I was in a collision in a vehicle I rented from XXXX XXXX  XXXX. XXXX filed a claim ( # XXXX ) and I created a claim with my primary insurer, XXXX ( # XXXX ) and my secondary insurer, XXXX XXXX XXXX ( # XXXX ). 

XXXX timely approved payment on the claim to XXXX, and my secondary insurer paid my deductible on or about XX/XX/XXXX. 

Since then, XXXX has refused to take payment from my primary insurer and has started threatening me with legal action. I have called XXXX and XXXX on atleast four separate occasions and both have assured me they will sort it out. Nevertheless, I have continued to receive threatening communications from XXXX that, unless I pay the remaining sum, which should be paid by XXXX and which XXXX has already agreed to pay, I will be sued and reported to collections. 

On or about XX/XX/XXXX, I received a formal letter from a collection agency, XXXX XXXX, that XXXX had assigned the debt and that I am subject to legal action. 

At this point, it appears that XXXX has decided not to work with my insurer, who has subrogated my claim and agreed to pay, and is instead insistent on shaking me down.