davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (MO)

Subject : Formal Dispute of Inaccurate Bankruptcy Reporting and Notice of Aggravated Identity Theft Dear Experian Dispute Department, I am writing to formally dispute an inaccurate bankruptcy record currently being reported on my credit report under my name, XXXX XXXX, and dated XX/XX/year>. 
Pursuant to 15 U.S. Code 1681b, the consumer reporting agency is permitted to furnish a consumer report only for permissible purposes. As outlined under subsection ( a ) ( 3 ) ( A ), my report may only be used in connection with a valid credit transaction involving me as a consumer or in response to my explicit written authorization. I have never provided consent or engaged in any credit transaction that would validate the inclusion of this bankruptcy on my report.

Moreover, this bankruptcy entry has been reported without my permission, which constitutes aggravated identity theft under federal law. Reporting inaccurate and unauthorized information on my credit report is a violation of Section 605B of the Fair Credit Reporting Act ( FCRA ). Therefore, I request that this bankruptcy entry be removed from my credit report immediately, as it does not pertain to me and was reported without permissible purpose or my authorization.

I demand that this item be removed within 4 days of receiving this dispute, as required by the FCRA when dealing with cases involving identity theft.

In support of my dispute, I have attached the following documents : A copy of my credit report highlighting the incorrect bankruptcy entry.

A copy of my identity theft report ( submitted previously ).

A copy of my government-issued ID and proof of address.

A copy of the " verified '' results from disputing. In the notes the Experian representative notated the item was not reporting on my credit report but it is which also makes this aggravated identity theft.

Please confirm in writing that this action has been completed. I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-10-18
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: Bonneville Billing and Collections (TX)

I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children  that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX  app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company XXXX XXXX Im not sure who that is since they told me it was XXXX XXXX well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XXXX of XX/XX/2021. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Inquired with Wells Fargo about possible deferment during COVID because of hours reduction. They went ahead and processed our question as a request and we could not make payments. I attempted to contact them about not being allowed to make payments, without appropriate replies. I finally just made 3 back to back payments to play catch up on our mortgage. I would like to refi shortly and this is a roadblock.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. 
( XXXX treatments/shots/doctors/surgeries ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. 
In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX Hospital. C & H was no longer handling my account. XXXX took it over. I again made payment arrangements with them and paid {$2000.00}! 
QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it XXXX years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!
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 — Old information reappears or never goes away
Company: Accounts Receivable Inc. (WA)

This will be the third time I will have had to have the negative information removed for the same issue, previous XXXX dispute XXXX account in question is -Accounts receivable- on my trade line with XXXX. This collection company has re-aged the debt and falsified payment info as well. the original creditor is XXXX XXXX  XXXX XXXX. This trade line from the original creditor was removed twice already from my XXXX  credit report. This account was was also removed from a previous dispute with the CFPB XXXX. It is back on my XXXX credit report. This is not my account. I'm enclosing the original dispute investigation as it shows XXXX XXXX could not verify the debt and it was removed.
Consumer complaint received 2020-07-07
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT XX/XX/2020
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc. (TX)

I keep receiving calls when Im at work and they also threaten me to call my employer and to verify I was at work. What kind of business is that? They call me during my work hours and threaten me to sue me, also that they will freeze my bank accounts and collect my wages.
Consumer complaint received 2020-07-07
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. (TX)

There is debt collection reported by XXXX on my Experian credit report that I have disputed because the original hospital XXXX XXXX XXXX has yet to provide me a full itemized bill. I don't care what XXXX certifies or not, because they have refused to validation of the so called debt. During my various requests to XXXX XXXX XXXX for a full itemized bill they changed their payment software so I could no longer access my even if I wanted too. XXXX XXXX XXXX  has violated Federal Law when they continued to refuse to provide me a full detailed copy of charges before this was sent to a zealous collection agency. Now comes Experian who refuses to remove this collection. Now I am not going to be bullied or allow these agencies to continue to break Federal laws. If this is not resolved I seek relief in Federal Court against all three : the hospital, the collection agency and Experian.
Consumer complaint received 2022-11-07
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. (DC)

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-07
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: GOLDMAN SACHS BANK USA (PA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " APPLE CARD, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " APPLE CARD, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave '' APPLE CARD, '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. '' )
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (AZ)

The first complaint, is that we called 2 weeks ago, and the company failed to add my wife to speak on this account.

Calling in today, she got the run around and got switched to 4 people. 

When she asked for a direct number for me to call back in on they would not provide her the direct number to the hardship department, only to a general number : XXXX XXXX XXXX The second complaint is that they have been unwilling to help us settle this account. For years we had to do auto debit without seeing our account because we couldn't gain online access. They finally restored that for us on XX/XX/XXXX. 

But company is refusing to work with a settlement offer, unwilling to help during a time of insolvency.

Chase I believe is also one of the banks that swooped in and took small business loan money making it impossible for her to apply for protection.

We need our account settled. Wife needs to be added for like the 100th time as authorized to speak on this account. 

This is crazy, a bunch of inept banking folks.
Consumer complaint received 2022-05-25
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. (DC)

XXXX XXXXXXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

1 ) Capital One has placed secret " Remarks '' not available to the individual consumer credit card holder noting that the individual filed a dispute. 
2 ) Capital One has maintained this information on file with the credit bureaus for more than 8 years. 
3 ) Capital One reports a XXXX balance on the now closed and previously inactive account since XX/XX/XXXX. 
4 ) Capital One refused to remove the remark and could not tell me what is was about or why is remains on the Credit Bureaus records. 
5 ) Capital One 's practice violated the Consumer Finance Fair Credit Reporting Act due to its secret nature, these remarks imperil my ability to procure a mortgage loan, these remarks impose a chilling effect on the consumer 's rights to dispute a financial transaction, these practices are causing the retention of information older than 7 years. 

I note that my XXXX FICO score is XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The reason for my message is I filed a dispute for two unauthorized inquiries that were seen on Transunion. One was " XXXXXXXX XXXX XXXX  XX/XX/2022 '' and the second was " XXXX XXXX XX/XX/2022 ''. I filed a police report, dispute letter, and printed out my driver license plus social security for these inquiries to be removed from my credit report because they are unauthorized. Transunion refuses to remove these two inquiries even though they were unauthorized by me. I know my rights and law. 15 U.S. Code 1679c. There is a Consumer Credit File Rights Under State and Federal Law. I have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX, XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax did not properly investigate my XXXX account. It still shows as me having a late payment and I was never late. 

Equifax did not properly investigate my XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my Us Dept of Education account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report and have Duplicate accounts. 

Equifax did not properly investigate my XXXX account. I never a had a XXXX account.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

I've have disputed this account with Franklin Collections Services last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see XXXX bought this debt from Franklin Collection Services from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida told me that if any company try to buy that debt and try to collect to let him know.
Consumer complaint received 2020-07-03
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)

To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally complain against Experian regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My last 4 Digits of My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
XXXX XXXX XXXX XXXX XXXX