davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent Experian Four letters requesting that they remove addresses that are not mine. 

They recently removed someone else 's social security number from my credit report and need to remove the addresses that are not mine as well. 

I have a fraud alert on my file to prevent any further wrong names, addresses, and socials from being reported onto my credit report. 

I have done all I can do as a consumer to correct this problem. 

I spoke with a an agent by the name of XXXX from the Gladiator department who stated " the law says if you dispute information on your credit report you need to contact the person who is reporting it '' He then proceeded to tell me to reach out to the collection company to remove the wrong address '' Experian, please show me in the law where it states I have to call a collection company to have a wrong addresses removed from my report. 

The last time I read, I needed to call you guys to do that. 

Is this a new policy of Experian? to redirect the consumer to another company to fix an issue you are reporting? 

Are you guys refusing to remove addresses when a consumer notifies you that is not theirs because a collection agency is reporting it? 


Please answer these questions.. 
Because I have addresses listed on my report that any reasonable person can take a look and see that it's wrong. 

PLEASE CONFIRM THAT YOU REMOVED THE ADDRESSES I HAVE REQUESTED TO BE REMOVED IN THE RESILUTION.
Consumer complaint received 2023-03-27
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-12-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VT)

Experian did not thoroughly investigate my dispute and/or arrived at the wrong outcome. 
Experian is reporting that I owe XXXX XXXX {$1000.00} even after the Vermont Superior Court found their claim is wrong. The amount is XXXX XXXX  interest and fees. I tried to work with XXXX, XXXX XXXX  XXXX XXXX XXXX to resolve the issue but neither responded. The matter was taken to small claims court by XXXX 's Attorney. 's at XXXX XXXX. The case went to trial XXXX by and they lost. 

When XXXX XXXX XXXX XXXX ruled the case in my favor, I sent all the supporting documents to Experian filing an on-line dispute and uploading the court documents. After a slew of emails Experian XXXX  came back with an automated response saying the information in my credit report was verified even after the case was found After the case was found in my favor. Experian did not allow me to add to the dispute or ask any questions or inform me of what they verified. Experian is not the ultimate decision maker on whether a the debt is wrong or correct. The State of Vermont Superior Court made that decision but Experian ignored the matter and the details. I have also sent everything to Experian via Certified USPS to no avail.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

The original creditor is XXXX XXXX and the collection agency is EOS CCA. When I was first made aware of this account by checking my credit report I contacted them and advised this was not my debt and requested immediate removal since I was in the process of trying to qualify for a mortgage. I was informed that the only way the debt would be removed is if I pay the entire balance even if the account was not mine and they would then delete it from my credit report within 7-10 business days. It has now been months and I contacted the company to inquire about the deletion and the new representative told me that their company does not delete negative information from consumer 's credit reports. I proceeded to explain the debit was never mine to begin with and that the only reason why I paid it was because I was told it would have been deleted immediately upon payment. Following my conversation, I have attempted to dispute with the credit bureau 's but they continue to say the account was verified, but have refused to send me the proof of what documents were provided to verify the account as I have asked Under the Fair Credit Reporting Act, 15 U.S.C. 1681g. That request was ignored by the collection agency and the three credit bureaus.
Consumer complaint received 2020-07-07
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-07-07
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. (FL)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/XXXX I received a copy of my credit history report from Transunion. That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

There is information on my consumer report that is a result of identity theft. These items are not related to any transactions completed by me and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Experians process of blocking the reporting information on my consumer report that is a result of identity theft is in direct violation of the law and a violation of my privacy. When submitting my identity theft documentation to the consumer reporting agency, it was communicated that the fraudulent accounts did not meet Experian 's criteria to be removed from my consumer report. When asked what was their criteria, the response from the representative was I can not disclose the criteria or the process that Experian uses. 

This process is unlawful, inequitable, and does not preserve the rights of my privacy as a consumer in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Furthermore, it states 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I paid my debt as requestedXX/XX/XXXXand was told that my account was satisfied and closed by Midland Funding ( the legal subsidiary ). When I called to check on my account with Midland Credit Management ( the consumer support division ), I was told they had no record of my payment and it was " in another system. '' This is a situation where I have paid as agreed and they are sending me from one company to the next, playing hot potato with my attempt to clear my account and remove their trade line from my credit report - which they indicate they must do per their very own website policies. I can never get a straight answer from anyone, any time that I call, regarding how long it will take and what steps need to be taken other than a very broad " can take up to 30-45 days '' each step and " you must wait, thats the way things are. '' All the while, their employees and supervisors take a smug and arrogant attitude and pursue shame and guilt as tactics to give themselves some unnecessary space from answering the question at hand. The point remains that I have no debt with this company and they are in no hurry whatsoever to resolve my claim and clear my name. They are hiding behind technical incompetence and " the way things are '' as opposed to having a positive outcome with a client of theirs.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (LA)

I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from XXXX XXXX XXXX. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MI)

I was told this Company would decrease the rate with on time payments. 
I have made 22 payments on the car and paid over {$6000.00} and my balance has only gone down by {$2000.00} This is predatory lending. 
I want out of this loan with no damage to my credit.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (VA)

NAVY FEDERAL CREDIT UNION My account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX On XX/XX/2022 an ACH stared from NFCU checking. Was sent to my spending account XXXX XXXX XXXX  ( {$5000.00} ) ( {$50.00} ) ( {$20.00} ) ( {$1.00} ). Then to my XXXX XXXX XXXX XXXX  {$9500.00} ) all ended being sent back with return fees. ( {$29.00} ) NFCU checking was closed and both accounts @ XXXX XXXX. There was a letter that I found in my vault with XXXX XXXX or XXXX XXXX. I have a idea on who put this in there. The letter was saying to do Something with my checking to summit to the FDR. That the united states treasure would summit funds into my account. I had showed the teller at NFCU this she asked how I received and put notes into my account. I also talked to someone else there and this individual was not helping but only to tell me that it's true what the latter had said. This now has places me in a position that I'm homeless with job and money is hard to come by. I Have tried many times to fix this matter. I feel that this should have been investigated. With my account on my phone being looked into and others that may have my personal information. I'm trying to figure out the right way or course of action. Without cash flow it's hard to pursue legal action.
Consumer complaint received 2022-07-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IL)

My father died 2 years ago and I am the executor of his estate.Part of his estate is a certificate of deposit of which myself and my sister are equal beneficiaries.XXXX XXXX died in XXXX of XXXX certificate of deposit is with BMO Harris Bank.In XXXX I was instructed by XXXX  bank to send them a Death Certificate, a notarized letter instructing them what I wanted done with my share of the account. For XXXX year no action was taken on the account. I faxed the bank to check the status of my claim and was told to resubmit the information again.waited again for a response and did not receive one.When I contacted the bank again I was told someone would contact me, but no one did. I contacted the bank again in XXXX and was again told to submit another Death Certificate, notarized letter and picture identification.I did this again and still have gotten no response from them. I have been trying to resolve this problem for two years.I was also asked by XXXX Bank to submit a Small Estate Affidavit which I did at a cost to me of XXXX dollars.
Consumer complaint received 2020-07-07
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-07-14
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. (NY)

I called the XXXX/Experian/XXXX  after I purchased a credit report with XXXXXXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXXXXXX XXXX XXXX XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Consumer complaint received 2020-07-07
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. (CO)

I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX site directs you to where you need to be to unfreeze. Neither Experian nor XXXX website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " XXXX '' or " experian.com/freeze '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent to me.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00}