davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see XXXXWe will take this step by step and I will use CFPB AS A paper trail for myself since that's the only way to get a reply from you guys. You stated I have that balance to pay and if it's paid you guys will completely remove the already mistaken payment owed for good as you did prior when I paid a part of the " balance ''. I asked to get my calls that you record for my records and for copies of our email threads that you guys leave with no respond. I was told if it's not paid legal action can be taken and court can be involved and I would need to pay you guys fees so its " best for me to just settle and pay to have the account removed '' you will hear me on 2 convos say if that's the fastest solutions ok BUT I DO NOT AGREE OR TAKE OWNERSHIP of the debt that keeps being referred to you by the orginal creditor. I sent you laws and evidence ( bank statements, letters from XXXX ) etc to the point where you made my balance XXXX $ and REMOVED IT from XXXX and XXXX. Am I incorrect and have you not received these things via CFPB AND the email : XXXXXXXX XXXX XXXX XXXX XXXX via my emails XXXX and XXXX XXXX XXXX
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. (MD)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NM)

I disputed this item last mont, and it was recorded as verified but ... 
simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' this account with
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.
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. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

XXXX XXXX, XXXX got a default judgement against me. It was removed from other two credit reporting agencies, but Equifax refuse to remove it.Disputed with Equifax refused to remove from credit report affecting my credit score and approval. Now it is showing up as a collection account with Equifax saying it 's verified. 

Also two medical collection on report with XXXX for {$95.00} and {$110.00} which was paid by insurance.
Consumer complaint received 2020-05-04
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: Medical Data Systems, Inc. (NC)

I disputed Medical Data Systems and XXXX XXXX on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from XXXX XXXX even telling me they will delete the negative item from credit file.
Consumer complaint received 2020-10-21
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. (AL)

I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NJ)

I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from transunion verses from EOS CCA. XXXX  is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX  validated this account like they claimed the balances should match. XXXX  actually deleted this account off my report because they could not validate the account so why is XXXX  still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.
Consumer complaint received 2023-01-27
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. (TN)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

I am a Victim of fraud.Some how my Checking account and savings account was depleted with ill activities that has left me owing Chase Bank. I first noticed that my cell phone, was missing on XX/XX/XXXX. I thought i had left it in my car. Since i was not feeling well, i thought nothing of it, I have a land line. my friends and family can always reach me. When i left the house on the XX/XX/XXXX i couldn't find it in the car. next i went to the grocery store. When i went to pay for my groceries I then noticed my Bank debit card, driving licenses and social security card was missing. I immediately went directly to my bank. To my shock i was given a print out of all the fraudulent activity on my accounts.They gave me a new checking and saving acct #. The bank was closing so they gave me two numbers to call. The  fraudulent activities started on the XXXX and ended on the XXXX of XXXX. I submitted my claim three times and was denied three times. the reason the claims were declined, according to Chase was that whoever used it knew the pin number. i have never given my pin number to anyone nor have i written it down anywhere. This has been going on for over a month now. Finally after my disputing their results.  I was given a claim # and turned over to the corporate office on Ohio on XX/XX/XXXX. I also filed a Police report. I truly believe a young lady who was helping clean my house victimized me. She is the only person new in my life since COVID-19. I feel i am being victimized double. Once by the cleaning person and now by Chase. I'm going on  XXXX years old. I have several chronic illnesses that make me high risk for Covid. i have been Banking with Chase since XXXX with no problems and in good standing. I have an excellent credit score and on social security. I have trusted my check to go auto deposit since my retirement. I thought my money would always be safe and protected by FDIC. Now my savings accounts is missing my {$10000.00} and in the minus of {$8900.00} They claim I'm responsible for paying. Please help me I am a victim of elder abuse. When i first reported this to mybank branch, the banker told me i was lucky because a lot of withdrawals were made inside the bank and the camera 's should be able to show who it was. When i talked with one of the investigating clerk 's, i was informed that they didn't go that far. Once a week i go to church to pass out lunches. This is were i met XXXX the cleaning lady. who strangely I haven't seen since.
Consumer complaint received 2020-10-21
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)

The account informations and addresses are not mine. 
XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX  Account Number XXXX OFFICE OF THE ATTY GENER Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX/XXXX  XXXX   Account Number XXXX XXXX/XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX  XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX MAIL RETURN XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I have a XXXX balance receipt from XXXX XXXX from when the account was settled via payment and ADA laws. I have attached my final receipt from XXXX XXXX. Please remove this forthwith from my credit reports You have 100 % left to pay on this collection.

Balance {$340.00} Highest Balance {$340.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX Creditor Information NATIONAL CREDIT SYSTEMS INC
Consumer complaint received 2017-08-06
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: Caliber Home Loans, Inc. (MD)

I have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to XXXX. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to  call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. Thank you
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX XXXX XXXX, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXX. XXXX XXXX, XXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.
Consumer complaint received 2021-03-05
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. (SC)

I have been a victim of fraud. I have sent in disputes via mail to the bureaus and they have not responded in the manner they should. I am in fact submitting this dispute, no one is helping or acting on my behalf. I need this fraudulent information removed from my report immediately.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX