davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (GA)

I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone Experian and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called XXXX and XXXX and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you
Consumer complaint received 2024-08-31
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. (TX)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # - XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MI)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-11-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (FL)

On XX/XX/year> XXXX XXXX XXXX filed a lawsuit regarding a car loan. I was going thorough a divorce and did not want the car, however, the car loan was almost if not all the way paid off. I never received documentation of how much the car sold for at auction or anything that it required by law. I don't believe that I owe this debt. The note was in my ex- husband 's name as well, but for some reason only my name appeared on the summons. During the first court hearing XXXX XXXX did not show to court. A new court hearing was issued commanding XXXX XXXX to appear in court, and again they willfully failed to appear, so the judge dismissed the case without prejudice, but then the court notified us that a new court case would have to be refiled before the statue of limitation or it was time barred in accordance with Indiana law, which is XXXX XXXX  This company is reporting that I owe the debt to all the credit bureaus even though the plaintiff ( XXXX XXXX XXXX ) forfeited their rights to judgement due to their multiple refusals to appear in court. I do NOT owe this debt and am disputing this debt. I did not get a chance to present my evidence in court due to their willful failure to appear. If I owe this debt then why didn't this company pursue their judgment? Why did they fail to appear in court and why did they fail to appear in order to keep their case from being dismissed? XXXX XXXX can no longer pursue a judgment because they allowed the case to become time-barred and never refiled.
Consumer complaint received 2022-04-22
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)

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 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX Experian XXXX XXXX XXXX inaccurate information in my credit report and they are not complying with their own policies in a timely manner.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act, the account XXXX ( XXXX XXXX ) has violated my rights. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-04-12
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: SANTANDER HOLDINGS USA, INC. (TX)

my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but Santander consumer usa wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet santander keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to santander demanding to validate the debt.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2020-08-01
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. (AZ)

I reviewed my credit reports and notice that after thorough investigation, XXXX  removed the negative item that XXXX XXXX reported but Trans Union and XXXX  report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all 3 Credit Bureaus.
Consumer complaint received 2022-10-09
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. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-02-11
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.
Consumer complaint received 2022-02-11
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. (DE)

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights! 
they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of XXXX  years which is also a violation. I will proceed with legal action
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (ID)

XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has XXXX collections from XXXX XXXX {$610.00} {$2300.00} Experian has XXXX collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-08-01
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: EQUIFAX, INC. (WA)

I tried to temporarily lift my wifes security freeze from Equifax. We had placed a freeze and did this temporary lift several times. This time the agent said nothing exists for her SS number. As in she doesnt exist or she has no credit file. I said she does and the other two Credit Reporting agencies HAVE credit files for her and we have a PIN number. 

To get started I informed them that my wife did not speak English very well and that I was present to help her. The gal acted perturbed about that but started questions. They were WAY harder than what I had to answer when I lifted my freeze. I complained and the gal insisted that they werent. I said it was discrimination and I wanted to talk to her supervisor. She was miffed about it but finally the supervisor came on. I complained and he started yelling. I got him to calm down by telling him if she has no file then she has no freeze right? He said we cant see that on our computer. I said its your freeze? XXXX XXXX says YOU, Equifax, have a freeze on her account and it needs to be temporarily lifted. We gave up. We called a second time to file a dispute to get them to contact XXXX and or XXXX to see that she HAS a credit file and were subjected to the same discrimination that we had received before. Rudeness and escalating difficulty of questions.All answered correctly but the questions just kept coming and being more detailed and difficult. I said ALL of your questions were answered correctly ... supervisor please. Rinse and repeat same treatment got nowhere and couldnt even get them to investigate based on this possibly exceptional situation. I was very upset and I believe these overseas call centers are vindictive enough to blacklist a particular person because of a conflict. I say this because I told her make sure all of these notes are documented and you could hear her typing away. My wife basically is completely blackballed by Equifax through their vindictiveness.
Consumer complaint received 2022-02-11
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 visited XXXX XXXX on XX/XX/XXXX for an opinion on a teeth cleaning service. Unbeknownst to me, a revolving credit line of {$1500.00} was added to my credit report which is now seriously negatively affecting my credit. On my credit report as of today XX/XX/XXXX, it shows it is a credit card which is false. The account manager at XXXX opened the account without my permission in anticipation that I would agree to have the dental procedure completed. I have premium insurance as I am a XXXX. I was under the impression the services were covered with my insurance ; however, recently I ordered my credit report only to realize I have a revolving trade-line of credit from XXXX XXXX. I contacted Experian online and through the telephone to submit a dispute ; unfortunately, to no avail.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (NV)

I made a settlement offer to pay 50 %, on XX/XX/XXXX, of a cash loan that I received from the original owner XXXX XXXX  XXXX XXXX, to receive a {$0.00}, balance with the collection company NCB Management. Services, Inc. 
On today, I spoke with a supervisor XXXX XXXX, at NCB Management regarding my XXXX  credit report that has large C 's for each month starting with XXXX, XXXX. NCB did Not have my case file at this time because my account was not in Collection 's at that time. I asked Mr XXXX to please remove this error from my report of anything prior to the date he obtained my file, which he said it was XXXX, XXXX. I am also not certain if this is correct or not. He asked me to send him proof, I did so immediately. Afterwards, he had a letter emailed to me with my payoff amount. The lady, XXXX from this company wrote on the letter that I could not contact Mr. XXXX via email, but he just had me to send the proof via email of the Collections starting back before they acquired my file, and nothing could be done about the prior collection notes. 
This is not fair at all, I am positive that this company can do so but refuse to do so. 
With the pandemic everywhere and millions of jobs gone, we don't need this aggregation with our credit reports, as we are doing the best that we can do.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I once had a secured loan with XXXX XXXX XXXX XXXX. That loan was paid off and the account closed out in good standing but its still showing up on my credit report. I therefore want XXXX XXXX XXXX XXXX deleted from my credit report please.
Consumer complaint received 2021-09-15
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. (FL)

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt