davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

SINCE XX/XX/2022, i HAVE REQUESTED THAT EQUIFAX PROVIDE ME WITH THE CREDITOR INFORMATION FOR 2 MEDICAL ACCOUNTS THAT ARE ON MY CONSUMER REPORT. BOTH ACCOUNTS DO NOT LIST A " CREDITOR ''. THERE IS NO WAY FOR ME TO ADDRESS THESE ACCOUNTS AS THERE IS NO CONTACT INFO OR CREDITOR NAME.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

All XXXX Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I applied for a credit card with XXXX  and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and XXXX  fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion and XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NE)

On XX/XX/XXXX I called Midland Credit Management in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called Midland Credit Management they referred me to XXXX XXXX  XXXX, as they had purchased the debt. 

I then called XXXX XXXX XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a Court Constable trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX XXXX XXXXXXXX, regarding the Midland Credit Management debt I agreed to pay the day before. 

I then proceeded to call XXXX XXXX XXXXXXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXXXXXX XXXX XXXX  I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XX/XX/XXXXand XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very flippant and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 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 REMOVED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-22
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. (NC)

I have six ( 6 ) inquiries on my credit report that I did not authorize. My personal information was released without permissible purpose and the credit bureau has refused to respond to my dispute. I have sent two letters and waited over 45 days without response.
Consumer complaint received 2024-02-13
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. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2020 I paid Resurgent Capital Services a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with Resurgent Capital Services, they informed me that I could call Resurgent Capital Services to have them contact XXXX about the {$170.00} having been paid in full. Resurgent advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact Resurgent. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by Resurgent, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.
Consumer complaint received 2021-04-07
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: BARCLAYS BANK DELAWARE (IL)

I already reached out to the credit bureaus and to BRCLYSBANKDE for the account number XXXX and XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-04-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2021-04-07
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. (CA)

There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (ID)

I do not recognize these credit inquiries and have asked for them to be removed. The bureaus did not remove them from my report, and I am providing an identity theft report. I am requesting they be removed because they are inaccurate and not mine.
Consumer complaint received 2023-03-30
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2021-04-07
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. (CA)

There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My conplaint is ** USAA 's FALSE CREDIT DOCUMENTATION. ** see CFPB USAA Response XX/XX/XXXX XXXX-XXXX  & XXXX-XXXX.USAA Confirms ** ( " You reported fraud XX/XX/XXXX {$470.00} plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX TOTAL {$890.00} '' ) see attached XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS. see attatched XX/XX/XXXX REVIEW OF YOUR CLAIM IS COMPLETE USAA Confirms ( **10 TEN DAYS LATER *No Fraudulent Activity Found After Review Your Claim. ** )?? Ten days eariler USAA CONFIRMED TO AUTHORITIES CFPB FRAUD {$890.00} was REPORTED. USAA charged off this account DESTROYING MY CREDIT FALSELY. I discovered THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT VERIFICATION MY ACCOUNT.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2022-01-18
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)

After several attempts at trying to resolve this matter with both creditor and reporting agency, my attempts have come to no avail. I've had to file an identity theft report to support my claim, and hopefully remove the incorrect, erroneous information from my credit report. I've called Equifax XXXX XXXX on several occasions and even with this information being incorrect, they can not remove it because a creditor has told them not to. Not only am I a victim of identity theft, neither Equifax, XXXX or the original creditor were able to furnish documents barring my signature. On XX/XX/2022, I sent Equifax XXXX XXXX a dispute letter, and a copy of my FTC identity theft report. I've waited the four business days and haven't received any communication whatsoever. This is my final attempt before pursuing litigation. 

XXXX ( XXXX XXXX XXXX ) has continued to report an account to the major credit bureaus that's not mine. This account clearly has adverse information making it clear that this account was fraudulently created. 

Attached is the original report with the original report number along with an additional report.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (CA)

I recently moved and notified my credit cards. Nonetheless, when I attempted to use my Chase card in my new neighborhood, it was declined. When I called them to inquire, they sent me a text message. I am XXXX XXXX XXXX, using text messages is difficult for me. I am disgusted that I did everything properly and still had to go thru this hassle
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Phone number called XXXX XXXX ) XXXX WED XX/XX/XXXX. XXXX refused to help.or give me any helpful information about there company or what they do are doing with my credit. I called several times and was just hung up on once they realized who I was. The only information that was given by the company was that they had every right to pull my credit but then said if I don't know who they are already they won't give me ANY more information about my referenced " account '', who they are, what they do, where they are or any more help at all. The only name I got was supposedly a supervisor named XXXX and the company name is XXXX XXXX. But on my credit report the company name is XXXX XXXX in XXXX Arizona, XXXX XXXX XXXX, Zip XXXX. It took me over an hour an a half to get this much information. All representatives I spoke to treated me hostility, the first demanding financial information from me to continue to speak with her but refused to tell me what it was for. 
Report was pulled XX/XX/2021. 

I still am not sure what this company is or does it why they pulled my hard credit report in the first place. I am also not sure as to there real location or why I have two names for.the company. 

Thank you for your time and looking into this.