davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (UT)

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I requested a copy of my forbearance exit document on XX/XX/XXXX. They claim it was sent on XX/XX/XXXX but my bank did not receive the document. When I called on XX/XX/XXXX they first claimed it was sent to the wrong number. After being transferred to someone else to expedite a copy being resent, the agent then gave a conflicting story saying the report was originally sent correctly. I was given the run around and had to request the documentation to be resent.
Consumer complaint received 2022-08-30
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. (CA)

Experience is still adding inaccurate information on my report. They will not take them off claiming they have verified the accuracy of the information but will not provide me with the information they have. The only account that should be on my report is XXXX. All those other items are inaccurate or was supposed to be billed too my insurance, I provided my insurance information so that those companies could bill my insurance for emergency services but the charges are still on my report. Can someone do something to make them take this information off and not add anymore unless the have the correct information.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I have made huge strides in clearing up my credit to include removing a recent debt with XXXX XXXX. Please Refer to Complaint ID # to XXXX Date XXXX. The result was that XXXX XXXX  removed a debt off of my credit report completely. This has been notified to all 3 credit bureaus. I have my current score with XXXX as well as XXXX with some improvement in score. However Experian has notified me as " unscoreable '' as my debts that were terminated whether settled or deleted by the debt collect now shows that I have nothing to score. How is it that I can get scores from the other bureaus but not Experian? I have added my credit card that has yet to make an impact and I tried having my phone company submit pay history and bills but still Experian has not budged on a scoring for me. My husband and I are trying to avoid homelessness as we are trying to purchase a home. He is a XXXX veteran who will need to utilize the veterans home loan. For that loan, they need both parties credit scores from all 3 bureaus. His end all 3 show, mine however show 2 out of the 3 bureaus. Experian ruling me unscoreable is the only reason our loan can not go through. XXXX has me scored me with a XXXX credit score and XXXX has scored me with a XXXX credit score. I've cleared everything on my credit in a short amount of time with the highest of patience in the process but with this being the last thing I need in order to purchase a home with my husband, I really need to have some type of score posted via Experian to have our loan be able to go through. I don't know who else to turn to. Please help.
Consumer complaint received 2022-08-30
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. (MI)

n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 an account without my written instructions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Delete the following accounts, addresses, and inquiries listed below : EQUIFAX : Addresses : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX Accounts : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in AdvanceThanks in Advance
Consumer complaint received 2022-08-30
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. (IL)

I have sent in a number of disputes to you guys for these particular accounts that are inaccurate first disputes were sent XX/XX//2022 and 6 more disputes after that my last one was sent XX/XX//2022. This account is still showing up and none of them show that I have disputed them on any of the bureaus as if I am being ignored so I have done research to go above the bureaus to here and tell my issues to receive some results finally. I haven't got any response. The XXXX XXXX account is showing up incorrect and was not fixed the policy I thoughts was to have a 100 % accurate on all three bureaus saying inaccurate payment history and status and account number are reporting different this need to be corrected. As well as XXXX is show in a negative way and has been paid a agreed to be removed from creditor and has not been reported correctly either. Also XXXX is reporting multiple times. This account is showing up with a incorrect date of activity and open date and status as well. I have wrote letters about this numerous of times.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

This account is paid twice a month to XXXX. They have been contacted repeatedly and refuse to report payments accurately. They respond that a depreciating balance is sufficient enough to reflect twice monthly payments. The account status is not delinquent.
Consumer complaint received 2022-08-30
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 recently started looking into my credit more and noticed a fraudulent account appearing on my Experian report # XXXX. The fraudulent info is listed below : XXXX  BANK XXXX Account numberXXXX This account was closed after I contacted XXXX bank and let them know the account is not mine. I have also filed a report with the FTC Report # XXXX. 
I submitted a dispute with Experian to remove the negative info and they have verified it twice. My personal information was included in the data breach of XXXX with XXXX and I was notified by mail about this. This account was opened within that timeframe. 
I would like to exercise my rights under the ( FCRA ), 15 U.S.C. 1681.
Consumer complaint received 2024-10-08
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. (AL)

I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life. 

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.
Consumer complaint received 2022-08-30
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, recently I was alerted by a late payment being reported on my Transunion report ( XXXX MICHIGAN XXXX  ) opened XXXX XXXX with no proper form of communication on the lender 's end ( XXXX XXXX ). I have been in communication with the company and my school only to provide me with inaccurate information on my graduation date and no information on the late payments being reported. I put in a ticket to be reached out to by a supervisor never received a call back. All my student loans were in deferment due to me losing my job this loan reported to my credit report with out providing me with any deferment options or any payment deadlines. I am reaching out to have these late payment reports removed immediately.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I was notified buy XXXX that a credit card application was opened without my knowledge. I waited for 45 minutes and transferred three times to have this issued resolved. The account was found to be opened, yet the bank refused to close it immediately. As I am going through restoring my identity theft, I find it imperative to resolve these open accounts immediately.
Consumer complaint received 2022-08-30
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. (NC)

On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from XXXX late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX XXXX, hold a XXXX XXXX visa number : XXXX. 

I delivered my baby in the US in XX/XX/2019, and I was covered by XXXX XXXX. 
There were a miscommunication between the hospital and XXXX caused the delivery to stay unpaid for a long time. 

The hospital and ( the doctor ), forwarded the bills to collection agencies, and the agencies reached me out, and it took so long till we fixed the issue with XXXX and get XXXX  balances, which as per the collection agency, will take time to be reflected to my credit report and this might cause some problems to me.
Consumer complaint received 2022-06-24
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)

CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 
All persons mentioned can all be tied into Racketeering A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, XXXX, Equifax Racketeering activities the CEOs and CFOs of each company mentioned shall be held accountable.
Consumer complaint received 2022-08-30
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$52.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00}.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX 2022 someone ran my credit through Barclays Bank delware. I never was in delware and I didnt authorize this credit check. This is complete fraud!
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a XXXX  card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) XXXX times per day, literally XXXX days per week. From XXXX until XXXX, every XXXX  hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, XXXX months after court date, they started again. For example, today, XX/XX/2022, I have received XXXX. Over the last several years, I have blocked more than XXXX numbers from them, and they just continue to call from another number. I am XXXX XXXX XXXX XXXX  and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back XXXX hours later!