davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
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. (VA)

On XXXX, I noticed an unauthorized inquiry from XXXX XXXXXXXX XXXX  on my credit report. I did not apply for any services, products, or accounts with XXXX XXXX, nor did I provide any consent or authorization for this inquiry to be made. 

In response, I initiated action by formally requesting documentation under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Specifically, I requested certified documentation of any authorization, including a signed application or agreement that would justify this inquiry. I also requested that a person with first-hand knowledge of this matter respond to confirm the lawful basis for the inquiry. 

Despite these requests, I have not received sufficient documentation or verification confirming that the inquiry was conducted legally. Without a prompt resolution, I am prepared to seek further action through regulatory bodies and legal remedies.
Consumer complaint received 2021-10-22
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. (TX)

I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both Equifax and XXXX twice about this account that is past the Texas Statue of Limitation which is currently 4 years.

In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.
Consumer complaint received 2020-10-31
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. (FL)

XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX I received an email from XXXX stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX with no justified resolution. 
XX/XX/2020 XXXX XXXX I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to Experian online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXXXXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or Experian. Experian failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to Experian with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.
Consumer complaint received 2022-09-03
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. (MO)

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2021-10-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK (GA)

In the summer of XXXX I agreed to co-sign a loan for 1 semester at XXXX  XXXX XXXX  for my nephew. Unbeknownst to me my nephew took out a loan for an entire school year. Two weeks later my nephew asked me to co-sign for an additional {$1000.00}. I told him no, my nephew then used the information that I had given him for the legitimate request to co-sign for 1 semester ( approx. {$2200.00}. ) to fraudulently obtain the additional {$1000.00}. I reported this to Discover Student Loans, and was advised by them to file a police report. When I tried to file a police report a sheriff at the XXXX XXXX XXXX XXXX XXXX  told me that because I willing gave my information to my nephew I could not file a police report, but that I would have to file a lawsuit. ( which I did do, on XX/XX/XXXX filed a small claims for {$1200.00}, which is {$1000.00}. plus interest ). my nephew paid me {$1200.00} and the court awarded me {$99.00} court cost. ) For the {$8600.00}. loan it was dismissed without prejudice because it was brought too soon. I did give my personal information to my nephew however he used it fraudulently to obtain loans for more than I agreed. I found out much later from the FTC that the XXXX XXXX XXXX XXXX XXXX  was incorrect with what they advised me.
Consumer complaint received 2020-10-31
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)

XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX  stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX  is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX am on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX  with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with XXXX  to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with Transunion when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX 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.
Consumer complaint received 2024-11-07
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-10-31
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. (GA)

I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, XXXX, experian all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My name is XXXX XXXX. my complain is Paypal close my account for no reason, I work well for that money and then close it just like that. if you could help me access that account again that would be so much help to me and my family. this is my Email Adress XXXX XXXX
Consumer complaint received 2020-10-31
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. (GA)

I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from Transunion, XXXX, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,
Consumer complaint received 2021-10-08
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: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-08
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: Navient Solutions, LLC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-01-29
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. (NY)

My credit report shows inquiries that I did not authorize and they need to be removed. 

XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, an unexpected online debit came out of the account, putting the 'pending ' balance just in the negative. That evening I went online and transferred CASH from my XXXX account and CASH from my linked savings account to cover it. The available balance was again in the positive. I checked again around XXXX and found the website down and it would not show transactions or balances. Tried again around XXXX and found a positive available balance reflecting the deposits. Next day, I checked again. PNC had withdrawn money from my savings account to cover a negative balance. They also failed to credit my account for the rest of the CASH I put in, and ran the pending transactions through prior to crediting the CASH deposits.The CASH deposit was put in pending status. Come to find out, my account was off the money they transferred from savings, then took out, then charged me FOUR overdraft fees totaling {$140.00}! This put my account even more in the negative. I called them three times, once at the local branch, and again at the national number. No help. Called again, and the national number associate said she understood, but there was nothing she could do. 

I've attached a screen shot of my account balance pulled up after my CASH deposits showing a positive available balance around XXXX that night. I went to bed thinking everything was ok!
Consumer complaint received 2020-07-08
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. (OR)

I think I fell for a fake web site posing as Experian, and exposed my email and password. On XX/XX/2020, I meant to log on to Experian to check my credit report, but foolishly clicked on what I now suspect was a fake website labeled " Experian log on ''. It was second from the top on the search engine. I entered my user name and password several times, and couldn't get logged on, and tried the " reset password '' thing which also didn't work. A few hours later, I tried again, on the proper web site, and it worked nicely, so I feared that I had fallen for a scam in my initial efforts to log on, giving the thugs my email address and password for Experian. I could not change the password for the credit freeze when I logged on properly. In order to change the password, I had to unfreeze and refreeze my credit. After unfreezing, I couldn't refreeze on the internet. I had to do the re-freeze on the phone, but believe I was successful. I have received phishing span starting XX/XX/XXXX, which is atypical for my email. I feel pretty stupid, and know other people are falling for it, too, but are perhaps not realizing it and not changing their password, giving the thugs their log-on info for Experian, and their email addresses. 

The suspect website is : " Experian Login '' and the full address changes, but starts the same : " XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX ''
Consumer complaint received 2022-09-12
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)

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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00}
Consumer complaint received 2021-10-22
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. (IL)

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. 

Equifax XXXX XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$490.00} There was no written form of communication contact or signature for this accused debt at all. Starting that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information. A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX wireless can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.