davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (TN)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 these accounts are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a re
medy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2018-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion incorrect information : XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX incorrect information XXXX  XXXX - ( XX/XX/XXXX ) XXXX - (XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX )
Consumer complaint received 2018-01-18
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. (MI)

On XXXX/XXXX/2018 I contacted XXXX, Experian and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, Experian, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the Experian Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
Consumer complaint received 2018-01-18
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. (MI)

On XX/XX/2018 I contacted XXXX, XXXX  and Transunion Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, XXXX, and transunion as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official XXXX credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NV)

My credit report has a collection account showing a {$5.00} balance from a water company. The water company says nothing is owed and it was paid a year ago. 

The collection company says the debt is owed and wo n't remove it from my report with the bureaus until an investigation can be completed. 

I 'm trying to purchase a home currently and this issue could cost me thousands of dollars in fees and a higher interest rate on the mortgage.
Consumer complaint received 2018-01-18
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: SCHOOLSFIRST FEDERAL CREDIT UNION (TX)

I disputed an error on my credit report previously. It was fixed at that time. Now XXXX has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XX/XX/XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust XXXX to not change it back. 

Remove SCHOOLSFIRST FCU " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. XXXX IS TRASH.
Consumer complaint received 2018-01-18
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)

On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX  Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
Consumer complaint received 2018-01-18
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. (CA)

On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (CA)

XXXX incorrect information : 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 ) Experian incorrect information : XXXX - ( XXXX/XXXX/XXXX ) XXXX - ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX - ( XXXX/XXXX/XXXX )
Consumer complaint received 2018-01-18
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: FORD MOTOR CREDIT CO. (SC)

In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to independent XXXX jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( XXXX ). I have filed complaints with XXXX to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
Consumer complaint received 2018-01-18
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: EQUIFAX, INC. (CT)

There is one closed collection account by XXXX XXXX XXXX XXXX XXXX that Equifax is refusing to remove from my credit. I challenged the incorrect information with the company which once they were not able to VALIDATE the debt as mine, they have sent all 3 credit bureaus a letter back in XX/XX/2017 to remove their agency from my report. XXXX and XXXX have done so, but equifax is still refusing to remove this inaccurate information from my credit report. This inaccurate account is effecting my credit score which has become very frustrating to deal with.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (GA)

I have contacted Experian many times to get problem solved. I am asking them to verify that the debt actually belongs to me. They have not provided any proof of doing this. The account was removed from report and then placed back on with notification. They have violated two laws. The account was disputed and removed before and now appears again One by not verifying the debt and another by not notifying me that the account was added back to my report.

This item should be removed from my report immediately per the fair reporting act. or verify debt XXXX XXXX XXXX Account number XXXX open XX/XX/2015
Consumer complaint received 2018-01-18
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)

I disputed an error on my credit report previously. It was fixed at that time. Now Experian has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XXXX of XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust Experian to not change it back. 

Remove XXXX XXXX " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. EXPERIAN IS TRASH.
Consumer complaint received 2018-01-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc. (GA)

I was left a message on my voicemail from XXXX XXXX stating that they have sent information to my address from 9years ago about an alleged XXXX XXXX debt and they will be pressing charges for check fraud. I called the number left with the claim number she left me and was asked to provide my SSN for verification. I refused. I told them that I do not owe any debt to XXXX XXXX. I need verification of this debt. I let them know that I need to speak with my lawyer before anything happens. My phone number has not changed in almost 20yrs. If they wanted to send me a bill to my current address, I 'm very easy to find. I was told that they will just put the information in and I can explain it to a judge.
Consumer complaint received 2018-01-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SUNTRUST BANKS, INC. (NC)

When I obtanied this loan in XXXX XXXX 2007 from Suntrust I was attending XXXX XXXX XXXX. The loan was a joint loan with myself and XXXX XXXX. The loan was suppose to have been put into forebarance and then a defferment due to me still attending school. I have other student loans that are in defferment due to me being in school as well. When I contacted Suntrust about the loan being in defferment they told me that it was.This loan has been reporting very negativley on all three credit reports and I would like the information to be removed. On my credit report it is reporting that I was late and I was not due the fact that the loan itself was suppose to be put into defferment.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

Outstanding debt with XXXX for articles for incorporation. I had an outstanding debt XXXX XXXX Ref # : XXXX  Balance : {$440.00} CW # : XXXX I had closed out the corporation as part of the XXXX XXXX legal incident of opening numerous accounts. I forgot to clear the issue with XXXX XXXX. They are working on closing out the corporation with the State of Texas.
I received a phone call yesterday from a debt collector : XXXX XXXX Caine & Weiner XXXX XXXX XXXX.
XXXX, TX XXXX  Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX I spoke with XXXX XXXX  and explained I needed more information from XXXX XXXX. After consulting with XXXX XXXX, they have me a 20 % discount on the debt and I payed Invoice # XXXX with a XXXX XXXX ending in XXXX for a total of {$350.00}. While on the phone with XXXX XXXX, we conferenced in XXXX XXXX, and the matter has been closed out.
I have received harassment email from XXXX XXXX. He was on the phone with XXXX XXXX. I have spoken with XXXX XXXX, and they have alerted him the matter is closed. This matter is closed and XXXX XXXX and CFPB should cease harassment.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Today, XX/XX/2018, I went online and was asked to update my personal information. For the first time, Bank of America is now asking a new " required '' question, " Do you have dual citizenship? '' I have told them that I am a US citizen and that I am living here in the United States. I see no reason to answer this question and am offended that they are even asking it. When I called to ask them what was the legal basis of why they were asking this question, they responded that they had to verify my identity, my citizenship and my residency per US government regulations. I told them that I have provided them with all of that information and that it was none of their business whether I am a dual citizen because I am a natural-born US citizen who was born and raised in the United States and that I hold a US passport and currently reside in the United States. As I explained repeatedly to the customer service representative, whether I am a dual citizen should have absolutely no bearing on them providing me financial services because I am a US citizen. I also told them that I was going to refuse to confirm or deny whether I have dual citizenship and that it is possible that I may not even know one way or the other because citizenship is determined by each country  individually. I find it highly offensive and potentially in violation of the 1964 Civil Rights Act that they are even asking me this question. They have informed me that I can currently ignore the request but that if I do not answer it, eventually my access to online banking could be cut off. As it turns out, I am unable to update any of the other pieces of information because they consider the dual citizenship question to be " required ''
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NC)

We used XXXX XXXX XXXX service to advertise a B2B service of our company. After getting wrong calls, for example someone calling to order a fast food package, or printing puzzles, etc, I called XXXX to complain on XXXX XXXX, XXXX. The representative, which by the way was recorded, said that since I wold have no control over the keywords in XXXX, we should switch to XXXX from XXXX XXXX. I said ok, and that we need help in cancelling the account and help with signing up with their other service. I never heard back from that representative, which I was hoping will be via email or phone call. After a few days, I noticed that we were still being charged and that the amount was increasing without our consent. So I complained to Wells Fargo, and was assured help with this dispute. Then, today I got a call from their dispute department saying that they have received a letter from XXXX that all my claims are untrue and that I have only until Monday to help provide proof. I told the representative that I have the calls recorded that will prove that I complained that I was told I have no control over my XXXX account. But the Wells Fargo rep kept saying we can not use that. If I can not than it is very unfair that I am not being given a chance to prove that I tried resolving the matter with the merchant and the credit card company.
Consumer complaint received 2018-01-18
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. (CA)

On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
Consumer complaint received 2024-11-02
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: 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. 

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.