davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

On XXXX XXXX l sent Nataion Credit lnc certified mail .Not to contact me until they verified the said debt.They haven't sent anything to me, verification of any sort..They wrote me a letter threating to report said debt to credit bureau.Threating me to make it difficult to get credit or housing.Harrasing me
Consumer complaint received 2022-12-06
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)

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. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

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 2022-12-06
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. (GA)

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX, XXXX - report to Experian that my identity has been stolen ( stolen XXXX/XXXX/XXXX ) and used to open three fraudulent accounts ; XXXX XXXX XXXX, XXXX XXXX, XXXX I opened a dispute to have these removed as well as all hard credit inquiries of which there were eight. 
I reported to my local police, I was advised I had a Security Fraud Alert on my account for 90 days, it could be extended to 7 years once I submitted the police report. This would carry me until XXXX/XXXX/XXXX with the fraud alert. 
On XXXX XXXX, XXXX, Experian allowed another hard credit inquiry from XXXX XXXX, unauthorized and fraudulent once again. I received numerous ( urgent ) calls at my place of employment from XXXX XXXX trying to verify my intent to open an account. 
I have been on hold with Experian for 52 minutes, because I am not allowed to open a dispute online, I must navigate their web of confusion. 
Oddly, an account can be opened online, with no proof of who you are, however I 'm not allowed to dispute a fraudulent account online. 
Experian has failed and I 'm not able to get through to them because their lines are super busy because - well, there has been a breach with another credit reporting agency XXXX, perfect definition of irony. 
What really needs to happen seems so simple - allow consumers to open lines of credit when they are fully able to provide proof of who they are, with picture ID, in person. Something perhaps like what is required to prove you can work in the USA, complete an XXXX and provide originals of the documents required.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Consumer complaint received 2022-12-06
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. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX and I am submitting you this CFPB complaint to request to you to remove the fraudulent accounts and information you report on my Credit File. I beilive I am a 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 accounts and Information 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, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-09-15
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. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

Discover Card statement indicated due date for payment XX/XX/2022. On XX/XX/2022 I attempted to make a payment using Discover.com. Payment date of XX/XX/2022 was not an available date to make/apply the payment.The soonest available date to make/apply payment was tomorrow, XX/XX/2022 ( one day after payment due date ). I attempted to use automated phone payment system. Again, the soonest available date to make payment was XX/XX/2022. I then called customer service, an was told by the representative that payments after XXXX XXXX XXXX XXXX XXXX would be applied next day. I again used the online payment system and was forced to select XX/XX/2022 as the payment date. During payment confirmation, on XX/XX/2022 the website noted that payments made before XXXX XXXX ET would be effective same day. 

Although statement due date was communicated to be XX/XX/2022, the payment was required prior XXXX XXXX ET. This cutoff time was not indicated on the statement or on my online portal until the confirmation page. Although I was paid balance on XX/XX/2022 and selected the soonest effective date available, I am now subject to charges and fees as if payment was made after due date.
Consumer complaint received 2022-12-06
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)

To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 
1. XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 
1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/2016, Per the state of Florida Statue of limitation of 5 years for derogatory credit accounts. 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XXXX XXXX, XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to file a complaint against the two credit bureaus, XXXX  and Experian for violation of the FCRA. I am a veteran who was entitled to the GI Bill. I utilized my GI Bill benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the Veterans Affairs informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate negative accounts. 
I need them to remove these items.
Consumer complaint received 2024-09-09
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. (OH)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, and XX/XX/year> ). now i'm requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Consumer complaint received 2017-09-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I submitted a complaint about an hour or so today. FTC Complaint # XXXX. The reason that I am adding this one to it, is because I tried to get the information from them about weather or not the Money Orders sent to them was applied to my Account. I spoke with three different people trying to obtain the facts & my money. I was told that they sold my account & frustrating me, I informed them that they got my payments! I informed them that I have spent hours on this! I informed them that Fraud is happening here! I informed them that I had a right to know if they received my two payments & did they apply them to my only ( One ) account! They said I do n't have that right, my account was sold & I have to call XXXX ... ...??? I told them that I was NEVER sent any correspondence via email, U.S. Mail that my account was at this level as I kept in touch with them & kept my arrangements I made with them. It is their duty & responsibility to notify the Collectors of their error. Meantime, I call the Money Order place to inquire if the amoney Orders had been cashed & yes they cashed the money order on XX/XX/2017. I have to call back for the last payment, if it was received & cashed. It is going to cost {$18.00} - {$25.00} to get copies of the cashed money orders. I informed them that I was going to turn their company in for Fraud! I am being Harrassed by a Collection Agency & Cash Central refuses to professionally tell me what is going! They had no right to sell my information! I have already been a targeted victim of Identity Theft! This Company is Shady! I want to sue them because if they are doing this to me, how many more are people ripped off! Please put the Pressure so they do not hurt anyone else! Please Investigate their Practices! I HAVE A RIGHT to know who cashed my Money Orders sent to them! They should not, and must not be allowed to hurt consumers like this! It is Fraudulent to cash my payments, keep my money & turn around & sell my file for the collection Company can come after a bill already PAID IN FULL! Illegal, Fraud, Dishonest in their dealings with the consumers! How many more is out there suffering??? STOP THEM PLEASE! I paid my bill in full, who have my money??? Please light under their treacherous behinds. Thank you. Sue Them on my behalf please!
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cornerstone Holdings, Inc. (AK)

I contacted XXXX  XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. 
He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. 
I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. 
They have my current mailing address, that is sufficient. 
This is a violation of the FDCPA!