davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
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. (CA)

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

Here is the list of items that 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 Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-26
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. (IL)

XXXX and Experian are reporting an incorrect coding of the XXXX/XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I initiated a phone call to the company inquiring about my credit limit and why wasn't I provided a card in the mail? The company referred me back to the dentist office, Dentist office referred me back to the company. I certified mailed in a Debt validation letter inquiring about this account. As well as started a dispute with all 3 credit bureau about this account, it was reported closed but not removed. Currently The company XXXX XXXX continuously attempting an ACH withdraw everyday or every other day out my account as the account is reported closed on my social security credit report. Furthermore The Dentist office XXXX XXXX XXXX as well as XXXX XXXX are reporting two different company names. Which has me totally confused.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Consumer complaint received 2023-12-27
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information ; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (DC)

Dear Sir, Dear Madam, I was satisfied with the case involving XXXX XXXX. And now a strange case shows up that seems to be a fake debt since I don't have any loan or bought anything on credit and didn't pay it off. 

HUNTER WARFIELD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX But I don't know about HUNTER WARFIELD or about that debt since I was never convicted by any Court. 

And I'm thinking about some companies like XXXX XXXX XXXXXXXX XXXX XXXX which tried to scam me by inventing fake debts in different amount of money than {$1300.00}, but still they're stuck until a Court decision before a debt collector can be involved if their claims are proven by Court decisions, what is less likely to be proven. 

So, HUNTER WARFIELD defamed my reputation online by falsely reporting for debts I don't owe and I ask for damages reparation before all competent Authorities.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent the following letter on XX/XX/XXXX. On XX/XX/XXXX, I received a response that Capital One could not respond in writing. WHY NOT? I was assigned a case # of XXXX by Capital One in this letter where no questions were anwered. I would like this escalated and for someone from Capital One to actually answer these questions. 

Capital One ATTN : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Credit Card Officer : I have repeatedly called your customer service number, and no agent can answer these simple questions. I have a secured credit card with CapitalOne ending in XXXX. My Social Security # for reference is XXXX. 
1 ) A credit line increase was apparently automatically approved after six months of having this secured credit card around XXXX/XX/XX/XXXX. Does another credit line increase automatically come? If so, when? I have applied for credit limit increases and they continue to be denied. 
2 ) How long do I have to have this secured card before it becomes a regular credit card? Does that automatically happen or do I apply for regular credit cards through Capital One and then when I finally get approved for a regular credit card it gets converted? CapitalOne has a deposit of mine from when I first opened this secured card, and I would love to get that deposit returned to me or applied to this card balance, and have the card converted to a regular card. How do we make this happen? 
I would love to discuss these questions with someone who can actually answer these questions, or get a written response with the answers in full. I appreciate having this secured card for over a year, but the lack of ability of your customer service agents to answers these questions has left me frustrated and writing this letter. I can be reached at the above address and phone number. I await your response. 

Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2019-11-07
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-07
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (GA)

On XX/XX/2019, I received a l collection notice from XXXX XXXX XXXX XXXX,  and I call and and spoke with a rep. and I told her that two other collection agency failed to provide Debt Validation of the {$850.00} that is required. I also told XXXX XXXX XXXX XXXX, rep that during the same time I was requesting Debt Validation from the two collection agency at same time one was sending noticed in an email and other by us mail which was harassing and confusing both collection agency was referencing over the phone that they was collecting on behalf of XXXX XXXX XXXX. The debt {$850.00} that is alleged that I owed to XXXX XXXX XXXX and as of today I dispute the debt of {$850.00} because of unfair trade practices and collection practices used by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, refused and delay and to accept my request to file a dispute against the merchant and XXXX XXXX XXXX provided false information and miss leading information as of the dispute status and the current amount owed at that time in letter to me. I asked that the Consumer Financial Protection look in this matter because XXXX XXXX XXXX is using several different names at same time to collect on {$850.00}, today I called XXXX XXXX XXXX XXXX-XXXX-XXXX who told me over the phone that I owed the debt to XXXX.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland credit is constantly calling me from spam numbers. There's no way I can call back because they use a spam number and when I try and call the number back it goes to someone's personal phone or a local business. when I do answer and I tell them to stop calling or ask who's calling they either get hostile or they hang up on me. They usually call form a number that is very close to my cell phone number usually a XXXX number. They never leave voicemails, they call multiple times an hour. I've repeatedly asked them to stop calling but whatever I do they hang up on me or get hostile. Calling from spammed numbers is illegal, so is calling multiple times an hour.
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (KS)

Was called from a phone number of XXXX at XXXX XXXX Central Time on XX/XX/2019. Sent to voicemail as I didn't recognize the number. The caller ( not recorded ) asked for XXXX XXXX in regards to XXXX XXXX (? ). Left a phone number of XXXX with reference number XXXX. I am not XXXX XXXX. I don't know any XXXX XXXX. I don't have any outstanding debts. Even if that were the case, no one should be contacting anybody except employers about other people 's debt.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

I completed paperwork for the Toyota Motor Credit settlement. I received a letter that I was turned down without an explanation. I sent an email asking for details about the determination. I received a phone call on XX/XX/2019 about the settlement. I was unable to answer the call. When I called back, I was told that I was not eligible again without any rationale and, also, told that no appeals were possible. Toyota Motor Credit is still playing games. If I am truly ineligible, provide a written statement explaining. Now, I am frustrated and feel distrustful of Toyota Motor Credit.
Consumer complaint received 2019-04-05
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: FACTUAL DATA CORP. (NY)

On XX/XX/2019 I received a call and email from my mortgage provider/service provider XXXX Mortgage ( XXXX XXXX ) to refinance. I said i am not interested. The next day XX/XX/2019 at around XXXX am I received another call from a different rep. I can not talk they should call me back, soon after that they ran a credit check. When I contacted the company they told me that i gave consent because when I told Him he should call me back he said I will call you back at XXXX I am going to pull up an updated mortgage statement and a credit check and I answered OK which literally meant OK you can call me back. 

Where was my signature? They want me to take a NEW loan, which mean it is a new business relationship and it has nothing with my old load they would need to have written consent. 

I believe it was a fraud, i told them I don't want to refinance, so they sent a more aggressive agent, when he called I said I can not talk, which I couldn't then he mentioned some words which you can guess i wasn't listening because I couldn't talk that time. Now they say I gave consent. I think it is ridiculous and my credit check should be removed from my report.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (MA)

In XXXX XXXX, XXXX XXXX  XXXX put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX years old and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXXXXXX in Nevada ... I don't know if this is legit.
Consumer complaint received 2019-04-05
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)

I have request under the Federal Law and of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) to Transunion Physical Verification of information that i previously disputed as inaccurate and they have failed to comply with my request. 

They contine to report my name inaccurately on my credit report and i have asked them not to continue to report the error. 

they continue to send letters showing that no real investigation has been completed. they are being paid to post information to my reports and they have not complied with federal law to ensure that it is in fact accurate.