davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated XXXX XX/XX/XXXX
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Mortgage note sold multiple time, note was discharged in Chapter XXXX Federal Court beforeCarrington Mortgage acquired it and should have never reported this as negative information on me or my wife 's credit reports, the original note holder XXXX XXXX did that during Bankruptcy. This is causing XXXX extra negative item and must be removed.
Consumer complaint received 2024-02-14
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)

A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But XXXX refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again for the below listed accounts be deleted from my credit report. 

XXXXXXXX XXXX opened : XX/XX/2021 XXXX XXXX opened : XX/XX/2021
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (MD)

On XX/XX/2023, I received a credit alert from XXXX advising that my account is past due but not more than XXXX payments. I contacted the company, Grain Credit, and advised that this is incorrect. I was making payments and when I login to my portal, it says current. The representative is still saying the account is past due ; however, when I review my statements, it says minimum due {$20.00} and she advised that even though it says {$20.00} minimum due that it doesnt reflect the past due amount and that I have to add the minimum and the past due payment. This is very confusing and also misrepresenting or not clearly stating the past due amount. Ive been making payments and when I login it says current, and so I am requesting this account be removed because the creditor isnt accurately reflecting my account and the statements to any normal layperson looking to pay their bill looks at the minimum due, which is the minimum amount that must be paid to keep the account current. Additionally, Ive been making monthly payments. The company isnt properly representing the minimum amount due either. Either way, Ive been making monthly payments and still dont understand how the account is delinquent.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

I pulled my credit report and found all these medical bills that were supposed to be paid by my Florida Medicaid. I should not be balanced billed. This is illegal to balance bill me. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$720.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$930.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1100.00}
Consumer complaint received 2022-08-03
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)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX Date of inquiry XX/XX/2021 ; XXXX  Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-09-30
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: Self Financial Inc. (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy section 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 US C section 166B a creditor may not to treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2023-03-30
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. (NC)

Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX ; inquiry XXXX
Consumer complaint received 2022-08-08
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX XXXXXXXX
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

On XXXX/XXXX/14 I underwent a XXXX procedure ( XXXX ). Prior to the procedure I was assured by XXXX that my insurer, XXXX, would cover all expenses, including XXXX, as long as the XXXX bill was no more than {$400.00}. I was further assured that this had not been an issue in prior procedures. Base on that information, I anticipated that my XXXX bill would be covered. 

Since that time, I have received constant demands for payment of {$2200.00} from XXXX XXXX XXXX XXXX. I had no choice in the selection of this XXXX, who is an out-of-network provider.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I contacted XXXX and XXXX XXXX on XXXX XX/XX/2022. These agencies were on my credit report as hard inquiries. I had not applied for credit. I was informed they did have my SSN in there system. XXXX told me they would flag application for credit for Mor furniture as fraud. She did see my name but not SSN. This account has now been successfully opened with a {$4000.00} credit limit which was reported on XXXX XX/XX/2022. I now see another inquiry from CFNA which is not mine. Please help.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to XXXX {$190.00}. I do n't know what this charge is for I was told it was equipment and have sent pictures that I returned the equipment to XXXX and XXXX. When I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. I have spent so much time on the phone trying to locate this said account in my name and ssn. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or two later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is one reason I want this removed but I also want it removed because if I ca n't get anything and XXXX ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$190.00} but that 's not the point it 's the principle that there 's no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people century link is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX and TransUnion is reporting inaccurate information about an account to my credit report. The creditor is XXXX account # XXXX is being reported with inaccurate late payments as well. This account should not even be on my credit report and needs to be DELETED IMMEDIATELY! I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. This is not my account. I have no knowledge of this account 15 USC 1681b
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hello I do not known if you can help me but this seems crazy that this is happening to me. I use coinbase as a investment platform. I have invested thousands of dollars over the last two years. XXXX of last year I used their application in order to transfer money from my personal account to their Platform my coinbase account. The address the QR code in their application provided was incorrect and sent it to someone else. When I reached out to them upset because they had just sent {$2000.00} of my money to a random person they said that this happens sometimes and that it was my fault I couldnt believe what I was hearing, I stated to them if they knew about this why isnt there some warning for their customers using this application that that is a possibility and to triple check in case their app provides the wrong address. I feel like I have been the victim of a company that does not properly test their product before sending it out into the public. This can list people thousands of dollars over a massive scale. They are not taking responsibility and are betting on me giving up and being afraid to defend myself and my saving they lost. I have had to work extra hours had to make sacrifices over the last few months to replenish what I lost I suffered XXXXXXXX XXXX XXXX XXXX. This issue was caused by Coinbases negligence. Please let me know the proper channels I can reach out to to hold them responsible so that this doesnt happen to other families. I have video of their QR code providing the wrong address if that helps.
Consumer complaint received 2021-11-04
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: CITIBANK, N.A. (WA)

Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with Macy 's that I did not create. I called Macy 's credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the Macy 's credit card account information the was on my credit monitoring site and mailed it to Macy 's ( XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from Macy 's and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with XXXX ( report XXXX ) I received the dispute results and they say they are not going to remove the Macy 's card from my credit report. They state Macy 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called XXXX at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-14
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. (NC)

I AM A VICTIME OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. 
REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT I AM DISPUTING THE ATTACHED ITEMS AS A RESULT OF IDENTITY THEFT. 
MY INFORMATION WAS USED WITHOUT MY CONSENT AND NOW I HAVE THE FOLLOWING ITEMS ON MY CREDIT REPORT AS A RESULT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
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. (MA)

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX account # XXXX  XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Consumer complaint received 2016-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

A letter was uploaded Equifax XXXX/XXXX/15 to XXXX XXXX XXXX stating that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (TN)

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 20 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX EQUIFAX MORTGAGE SOLXX/XX/XXXX XXXX XXXX - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Consumer complaint received 2020-07-09
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: MOHELA (IL)

These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MS)

" Enhanced Recovery Company '', a debt collection company, placed a collection notice on my XXXX XXXX credit rep

ort WITHOUT any letter or other notification advising me of that alleged debt. I am under the impression that all collection companies are required to FIRST send a letter giving the respondent 30 days to dispute the debt. This Company did NOT do this. I NEVER knew about this collection until it appeared on my credit report.