davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
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. (IL)

Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX  {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX Bills which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX {$1600.00} XXXX XXXX XXXX  {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Account- XXXX XXXX
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE BANK has closed my account because they said my account was not consistent with their expectations for account usage and violations of the Capital One Customer Agreement, which is an invalid statement because I did not violate the deceptive customer agreement, which is a deceptive form they furnished to begin with. Moreover, when I contacted CAPITAL ONE they said my account was closed because 1. there were return payments, which is false because I did not have ANY recent return payments whatsoever prior to them closing my account. Secondly, they said they closed my account because I made an invalid dispute. By them taking such action, it's implied that they did not allow me to exercise my right as a consumer. It clearly states under in the Equal Credit Opportunity Act that it's unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right. CAPITAL ONE BANK has discriminated against me and closed my account unlawfully. I have been taken advantage of by CAPITAL ONE BANK. They did not have actual, implied, or apparent authority for such use when it came to closing my account and I did not benefit from their actions, which is a violation of the Truth In Lending Act. 


CAPITAL ONE BANK has been found violating several federally protected consumer laws according to the Equal Credit Opportunity Act, as well as, the Truth In Lending Act. Conclusion, in the cardmember agreement CAPITAL ONE BANK states that they may close my account for any reason permitted by LAW! There was no reason permitted by law, which caused my account to be closed unlawfully by CAPITAL ONE BANK, it was due to discrimination. 



Acct last XXXX # : XXXX Acct last XXXX # : XXXX
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I purchased my home in 2001 for {$58000.00}. As of this date I owe {$64000.00}. I have been paying on this mortgage for 20 years. In that time I have had a bankruptcy, and the loan has been with 3 different lenders. I would like my account audited. There is no way I should still owe as much as I do.
Consumer complaint received 2022-01-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I moved out of my apartment of XXXX XXXX in XXXX FL in 2015. After moving out the manager for the apartment complex attempted to collect {$1000.00} from me. I reviewed the bill and pointed out that my deposit of {$670.00} was never applied. 

It took months to get her to respond to me. When she did, she claimed the balance was accurate and refused to apply the deposit. 

I attempted to call the corporate office and left several messages. I did this for more than a year ; call the apartment complex and corporate office with no results. 

Two years ago I was applying for an apartment and was being refused unless this was fixed. I went and sat outside of their office until the current manager arrived. She was very kind and reviewed my account and noticed the deposit was never applied. She then applied the deposit and wrote me a letter on company letter head to show the correct balance. She claimed she would update her corporate office and XXXX XXXX. 

It was affecting my ability to find quality living, so I needed that document signed by XXXX XXXX. 

She claims to have updated the collections company XXXX XXXX, but two years later the collections company is claiming they can not call XXXX XXXX. I called them back two months later and then they claimed to have never received anything. They refuse to accept the written document I have and are claiming XXXX XXXX is now denying to update the balance. 

I would have paid this off 7 years ago if they had just been honest and applied my deposit. 

XXXX XXXX is a rip off and XXXX XXXX at best.
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (SC)

on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Paramount Recovery System to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company Paramount Recovery System the account is still active the account Paramount Recovery System did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'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 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 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late Closed XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX  XXXX {$7900.00XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

There have been fraudulent inquiries on my credit report. Accounts that I didn't apply for or request service. XXXX XXXX XXXX times, XXXX XXXX, XXXX XXXX, XXXX 's
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account NumberXXXX XXXX  XXXX - Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX  - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX This is not mine. 

XXXX / XXXX - Account Number:XXXX Please Update all payments, all pay was made on time
Consumer complaint received 2022-01-13
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: Resurgent Capital Services L.P. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 3 credit bureaus to validate this account ( A ). 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 correct : XXXX XXXX XXXX
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Hello, I was making a large purchase at Home Depot to remodel my home the Home Depot representative suggested I open a Project Loan Card to pay for all the materials up front to avoid issues with inventory material availability. I informed the store representative that I was not interested in being charged heavy interest charges and was informed that I would only be charged a fixed low flat rate for the entire balance and period of use. I agreed and filled out the application. This took a few hours and the store was closing once complete I was being checked out with my purchase items and was informed I did not have enough credit limit to cover all the cost. This is when the store representative told me they could also open another account ( Home Depot Store Card ) to cover the rest of the balance again I informed the representative that I did not want to be charged unnecessary interest charges and was quickly interrupted by the store representative that I would not have to pay any interest for the first 24 months because I was a new customer opening an account. Believing this was a good deal and not being informed of any other stipulations ; I agreed and my account was opened and I was provided no other documentation on the account details. Without my knowledge I was charged retroactive interest for the original purchase balance. When I discovered this I requested these fraudulent charges be reversed and was informed that this was not possible due to the amount of time passing even though the charge was fraudulent. The customer service representative did not submit my request for fraudulent activity and no investigation by the Home Depot Fraud department was executed.
Consumer complaint received 2019-03-04
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: MicroBilt / PRBC (formerly CL Verify) (FL)

It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my XXXX XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his XXXX XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my XXXX XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires
Consumer complaint received 2023-04-25
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)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right t
o privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXX {$900.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}
Consumer complaint received 2022-01-13
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. (VA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

1 ) Achieve personal loans Acct # XXXX : XXXX disputing and an billing error. This account is not reporting uniform with the other bureaus and there is a billing error based on 15 US 1666B. MUST BE REMOVED 2 ) XXXX XXXX XXXX Account # XXXX XXXX disputing and billing error. 15 US 1666N. MUST BE REMOVED 3 ) XXXX- Account # XXXX Factual disputing and billing error. 15 US account must be removed. 
4 ) XXXX XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX factual disputing and billing error. 15 US 1666B ACCOUNT MUST BE REMOVED. 

I have submitted requests multiple times to XXXX to update my file to be accurate and complete and they continue to ignore my requests and refuse to abide by the law. They claim it is not me requesting my file to be updated. I have sent them proof of my identity but they still have inaccurate information on my file like the accounts above. 


I have attached reports from XXXX, EQUIFAX and XXXX. XXXX has different information. Their report is not accurate, complete or uniform. This is against the law. 

EQUIFAX STILL HAS XXXX XXXXL ON THE CREDIT FILE. THIS ACCOUNT IS NOT ON XXXX OR XXXX AND MUST BE DELETED. I continue to request them to update the file based on factual report and billing errors. They refuse. I need your help holding them accountable.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.