davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2020-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NY)

on XX/XX/2018 I got misleading information from one main a personal loan company. when I was in the process of requesting the loan nothing was explained in regards to inquiry on my credit report. There was never an explanation as to why the loan was denied. they never sent me a letter to my home either. I attempted to reach out to management to speak to them in regards as to why I was denied and was unable to get a clear answer or resolution. I was told that this would be removed from my credit score and has not be removed since XXXX
Consumer complaint received 2020-09-09
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: HW Holding, Inc (FL)

On XX/XX/2020 Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill saying it is mine. According to the FCRA, Hunter WarField has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
Consumer complaint received 2019-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2019 I put in a dispute for collection account XXXX XXXX XXXX XXXX for {$1700.00}, the original creditor is XXXX XXXX XXXX  XXXX. This is on my Transunion report that was disputed through XXXX XXXX. The XXXX is incorrect ; Re-aging is illegal. On XXXX I received an email stating dispute was completed, my account is correct and it will stay on my credit report.
Consumer complaint received 2024-08-28
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. (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 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP (NY)

On XX/XX/2019 I opened an e-mail link that took me to a website for a financial service. ELAN financial service. When I spoke to the rep she was extremely misleading and told me the wrong information. I was under the impression that I was hring a credit repair company to help me with my score and to help me repair my credit during a very hard time. I was going through a divorce. I told the rep that I had no problem making the payments and that I had just fallen behind because my wife and I could not settle our financial differences and that all I needed was help reaching out to my credit card companies to help me remove the late payments. I was under the impression that this rep would have my pay what ever fees I needed to in order to have these late payments removed. I later found out that this was not at all the service that they were providing when all of my accounts were closed down by my banks. I never received a single letter from these people and when I tried to resolve it with the manager I was not able to get anyone to understand that they completely mislead me and severely affected my credit score.
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with Experian regarding a Bankruptcy on my credit report. 
I filed XX/XX/2023 & XX/XX/2023 both times their stating the information was accurate. 
I sent them a letter from the third party they receive their bankruptcy information from XXXX. 
XXXX has no record of a bankruptcy on my consumer report, nor does XXXX. 
Experian stated several times that they verify their Bankruptcy information from XXXX. 
If Experian verify their bankruptcy information from XXXX either its a lie or an error, because XXXX has no record of a bankruptcy on my consumer report. 
I feel that my case is not getting reviewed just overlooked because if they would have verified the information through XXXX like they stated they would see that XXXX does not have a record of a bankruptcy on my consumer report, again either its a lie or an error. This is consumer neglect grounds for a lawsuit.
Consumer complaint received 2022-09-16
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 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2022-07-17
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-03-02
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. (NY)

Choose according to account type. These can be combined 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 against you!
Consumer complaint received 2022-07-17
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-17
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. (IL)

Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 p

ercent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file
Consumer complaint received 2024-11-07
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. (TX)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-17
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. (IL)

Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (GA)

I mailed in a letter to close my account. They never Received it due to that only being a payment address. I only found that out when my credit monitoring alerted me an account went 30 days late and I contacted them. The rep told me he could close the account because the amount showing due were fees only, not an actual balance. I explained to him I was affected by COVID-19, he spoke with supervisor whom instructed him to transfer me to credit protection. I told him I never received any late notices or phone calls trying to try to collect so I assumed the account did close from the letter I had mailed. I spoke with a lady and she assured me due to my circumstances that my credit reporting would be corrected meaning removing the delinquent status that reduced my credit by 53 points. The credit protection is in place now however its still reporting 30 days late on my credit. I have disputed this with XXXX but they continue to report information is accurate. It is not! I want this delinquent status removed off my credit files. I have NEVER been late with this company in YEARS that Ive had the account. The reps that I spoke with at the company agreed and said it would be removed as delinquent.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I purchased 2 Vanilla Gift Cars Visas. I put {$100.00} dollars on each card. Total cost I paid was XXXX I purchase beed cards quite XXXX have never had any problems. I purchase these from a different XXXX. I got home opened the cards up and the first card had the third set of numbers partially missing I couldnt make them out. The second card had the last 4 numbers missing completely. I called this in on the XXXX of XXXX and was told to send Al of the documents and receipts in. I sent in everything they requested. I was told by the first person I spoke with to give them XXXX business days, after the 3 business days I didnt hear from them so I resent the documents. I spoke to someone else and they told me it would be 4 business days again and I should check my email and make sure to check my spam. The next time I called the lady told me they didnt send emails. I spoke to someone on Wednesday who claimed to be a Supervisor and asked for some reliable information, he told me he saw Al of my information and someone should have emailed or phoned me with updates, he promised someone would and they were working on my claim. I didnt receive a email or phone call. I have been nice and respectful with these individuals since XX/XX/XXXX and still no direct answers, it feels like Im getting the run around and I feel Ike this is a scam. They cancel the cards I gave them Al of my information and nothing.

I am worried because I purchase these cards today my bill online every month and I feel helpless and nervous about the consequences this is going to have on my credit score. Please help me
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (WA)

I am getting daily calls from Northstar Location Services regarding a debt. The calls ask me to call XXXX. When I call this number and give them the phone number that they are calling, they claim to not have any records of ever calling me, yet I keep getting daily phone calls from them. 

The caller ID on the recorded calls shows the calls coming from XXXX.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I am a human being name XXXX XXXX XXXX I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION XXXX XXXX.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one auto loan as well as XXXX have a link with an offer for a no hard pull on your credit ( ie soft pull ) for an auto loan finance rate. XXXX send an immeadiate rate quote of 10.2 % and nothing from Cap One whom I already do business with. The next day I got an email turning me down for even a rate quote until I fill out an app. The timing is not right so I say I am not interested in going any further with Cap one. They posted to one of my reports that I was turned down for a loan because I refused to give them the necessary information to check my credit. 

When I called them, angry, they asked for my social security number..frankly trust was broken. Finally after talking to 2 pe0ple I was directed to their " Credit dispute department '' which takes 30 days- much the same as me reporting to the Credit services directly But maybe not? The point is these people promised a rate and they did not comply while other leders did.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
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. (LA)

in accordance with the fair credit reporting act XXXXXXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name XXXX XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

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