davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I closed my account with XXXX before moving from my apartment last year, sent back all equipment and paid all of the bills due. Almost a year later with no communication from XXXX, a collection for {$340.00} showed up on my credit report. I don't know where this came from or how it could possibly be mine. The collection is the XXXX XXXX XXXX and after disputing through XXXX it came back that the account is accurate with no further information. I called the collections company and they said it is from when I closed my account. I have contacted an attorney and they said that a lot of times these are from equipment but I do not have the serial number still as it was over a year ago that I sent the equipment back.
Consumer complaint received 2022-09-20
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. (CA)

I XXXX XXXX disputed some negative items that were showing up on my credit report that were showing up an inaccurate and unfair reporting on my consumer credit profile. I sent all of my paperwork and proof to all three credit bureaus and to this date they have all failed to notify me within the time frame given by the fair credit reporting act ( 30 days ). and it is my understanding per federal law that if any of the Credit Reporting Agencies fail to correct or finish an investigation by the allowed time frame then they must delete the information disputed. In this case all three Credit Agencies have failed to comply by their own policies and federal law. Please help me enforce my rights as a consumer with these companies.
Consumer complaint received 2023-04-03
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. (GA)

On XX/XX/2023, I wrote Experian disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS. On XX/XX/2023, Experian replied to my dispute, stating the inaccurate personal information was updated to reflect my legal name and address. In addition, Experian also stated my credit score had increased by 20 points. Although Experian stated the information was updated and credit score increased, my current credit information remains unchanged as of XX/XX/2023.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

on XX/XX/XXXX, and XXXX XXXX  I sent certified letters to XXXX asking to verify this alleged debt with columbia debt recovery, Failure to Provide Verification Documentation XXXX should provide : 1. The specific method of verification used to confirm this debt.

2. Documentation supporting the legitimacy and ownership of this debt, including : The original signed contract or purchase agreement. 
Proof of chain of custody from the original creditor to Columbia Debt Recovery. 
Date of first delinquency with the original creditor. 
I received immediate response within XXXX hours that it was verified with no method of verification .under 15 usc 1681i this is now pending litigation and I expect this account be removed immediately from my consumer report.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (LA)

On XX/XX/year> I purchased a loan with credit from XXXX XXXX XXXX GMC for roughly XXXX  XXXX plus interest charges that would finally total up to XXXX XXXXXXXX. My grandchild lost the original loan contract so I requested another and to my surprise upon reading it I felt I had been taken fast. I talked to a family member who began to teach me about loans, debt, the Federal Reserve Act sections 16 and 29, and the Bill of Exchange Act and l learned l could satisfy the debt by law using a negotiable instrument. I prepared the necessary documents and forwarded them to the dealership and GM Financial for processing but GM said " the documentation l submitted was not recognized by the IRS, the Federal Reserve nor the US government as legal tender '' so it wouldn't be an acceptable payment for my account. However, the Bill of Exchange Act says different. I then sent these documents XXXX more times and each time the form of payment was kept by the company but i was only sent a bill. no answer to any of my questions and stonewalled when trying to speak with anyone who might help in this matter. Because of their non-transparency in the contract and in trying to resolve this matter l feel l had to bring it to someone in authority who could help in this matter. l also asked for arbitration since it was a clause in the original contract. That is the quick version...
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City State Zip : XXXX, Florida Date : XXXX Creditor Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX New York XXXX RE : Inaccurate Credit Reporting ( XXXX XXXX XXXX ) To whom it XXXX concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( XXXX XXXX, account number is reporting a balance of ( {$1.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file.

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-20
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These hard inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-20
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. (TX)

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 any item 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-23
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. (MN)

On XX/XX/XXXX I had a storage unit I rented that got burglarized. A couple of boxes of items as well as a laptop bag with personal and business documents were stolen. Among these items were sensitive paperwork containing my social security number and birthday, etc. I filed a police report claiming all the pertinent information related to the missing items and the theft. 

Apparently, within a month someone was using my data to obtain credit and apply for credit. Between XXXX and XXXX of XXXX, I was in XXXX  for 30 days and on XXXX XXXX  for 44 days up until about the first week of XXXX give or take. 

I have repeatedly requested that Equifax XXXX XXXX investigate this account, provide me with proof of my signature or anything like method of verification, etc.. they have not. The in fact, continue to report the item as verified and updated. 

XXXX XXXX XXXX collection account XXXX... IS A RESULT OF IDENTITY THEFT AND I NEED THAT TAKEN OFF OF MY CREDIT REPORT. 

*Data sets related to inputting of accounts were not Metro 2 Compliant.

*Payment Status Data Listed is Mismatched, Compared to Other Credit Reports. 

I am going to submit the police report and insurance claim documents related to this incident as proof of my truth. I can even get the documents regarding my brief jail time to PROVE that I wasn't even in any way able to open a XXXX account in XX/XX/XXXX. 

My Original CFPB complaint is XXXX If they claim it's to remain on record until XX/XX/XXXX, and won't provide any proof to me, I humbly request the item be immediately and permanently deleted from my Equifax and XXXX Credit Reports XXXX 

They have not provided any proof of the Method of Verification nor have they deleted the account from my report. Continue to say the item is updated and it will remain on record until XX/XX/XXXX. How can they do this? They clearly have not properly investigated and have violated my Federally Protected Consumer Rights. 

I have substantial grounds and valid proof and reasoning for the Deletion of This Account.
Consumer complaint received 2022-09-20
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)

existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT My XXXX  XXXX Trans Union FICO score recently dropped from XXXX to XXXX on XX/XX/2022, and then it dropped again to XXXX on XX/XX/2022. I have an XXXX 100 % payment history, and I haven't made any large purchases on any of my credit cards. I recently made a change of address but that should not drop my score that much. I attached a screenshot of my XXXX  XXXX Trans Union FICO score to this complaint. 

The odd thing is that my XXXX TransUnion FICO score went up from XXXX to XXXX on XX/XX/2022. It stands to reason that my XXXX  XXXX Trans Union FICO score should also go up. My XXXX Trans Union FICO score went up, while my XXXX  XXXX Trans Union FICO score went down. This makes no sense. This drop in my FICO score on my XXXX  XXXX card is preventing me from obtaining the best possible interest rates on loans and balance transfers. 

I attached a screenshot of my XXXX  XXXX credit score showing the decrease to XXXX.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/2022 I learned my Synchrony XXXX XXXX account as sent to collections, although my statements show the account current. Synchrony sent me to collections after rejecting a proposal from a debt management company XXXX XXXX XXXX XXXX XXXX, and the payment sent in my XXXX XXXX. I asked about the status of the account, and a copy of my statement, and Synchrony told me a verbal cease and desist order was placed on my account with a telephone call XX/XX/2022. I was at work, in a team meeting, when the supposed phone call was made. There's some fraud or identity theft going on with my account and I reported the incident to the police. Synchrony has never investigated that phone call and it's hard to find out what is going on with my account. 

I have been requesting for three months with Synchrony Bank, Care Credit card, that a cease and desist notice be removed from my account. I faxed a letter XX/XX/2022. 
I have been calling in for three months to follow up on my XX/XX/2022 letter, requesting the cease and desist order be removed. 

I also need a letter stating the account is paid, closed and settled. They won't send me a copy of the letter due to the cease and desist order I never authorized. I need the settlement letter to update my credit report.
Consumer complaint received 2022-06-18
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. (CA)

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( EQUIFAX ).
Consumer complaint received 2022-08-19
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)

I sent a letter out on XX/XX/XXXX to Experian. 
Here is my tracking number : XXXX. However, the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they ( Experian ) talk to? 

How did they complete this investigation?
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 any item 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.