davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
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. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (OH)

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NC)

In the past XXXX years there have been THREE fraudulent charges on my Discover Card. I disputed all three each at the time when the charge occurred. The first two were not properly investigated and I was unable to get a phone call from a human. I therefore paid the fake charges to keep my account in good standing, as I have never as much as carried a credit card balance in my entire life and my credit score is around XXXX. However the third charge was a ridiculous amoung and the final straw. I did still pay the charge while I disputed it. However, for the third time, Discover failed to investigate and failed to return any phone calls whatsoever. I have been requesting phone calls for XXXX consecutive months and have not received a single callback. Their hold times are absurd. Their chatbot online does nothing. So, Discover card actually owes me money as I overpaid the account. Because I have never missed a payment or even carried a balance, this must be the only way Discover card can make any money from me. It shoucld be noted that this same fake charge came up on XXXX other credit cards who both found the charge fraululent immediately. Discover however told me to " call the merchant '' except that is not possible since it is a fake merchant. There is no phone number, address, email address, etc. Discover also mailed me an ilegible document with some lines in it and no text, claiming that was their documentation from investigating the charge, so obviously no investigation happened. They wrongly updated my credit report inaccurately and continue to owe me money. Lastly, they failed to remove a second user on my account that was removed several years ago, then endangered my personal info and privacy by sending that personal person info about my account. I have not yet received a response that addressed even XXXX of these issues let alone the whole complaint. To sum : 1 ) fake charge # 1 2 ) fake charge # 2 3 ) fake charge # 3 ( current ) 4 ) person not removed from account 5 ) inability to investigate fake charges multiple times 6 ) wrong info on credit report 7 ) WILL NOT EVEN GIVE ME A PHONE CALL BACK 8 ) Discover still owes me money Please investigate these horrible crimes committed on the behalf of Discover as this is downright theft of hardworking people who don't carry credit balances so clearly this is Discover trying to make money any way it can. If it hopes it will frustrate people into giving up and paying it did that with me twice already but not this time.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Check Resolution Inc. (PA)

National Check Resolution Inc. contacted me by phone last year in XX/XX/XXXX and told me I owe money from an account from a loan or credit card company and I told them I will send {$250.00} on XX/XX/XXXX and {$150.00} for 11 months and then {$21.00} for the last payment. When they contacted me I panicked and agreed to it without getting this debt validated. So far I paid over {$800.00} and when I started researching credit articles I saw that if I was unsure that I can request verification and validation of the debt that is being collected. On XX/XX/XXXX I contacted the credit bureaus and ask for them to verify the debt however this company was listed on my credit reports. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX I've asked National Check Resolution to validate the debt and so far they have failed to do so. I also phoned them today and asked them to take {$220.00} to leave me alone and stop deducting money out of my checking account. I spoke with XXXX who said he would ruin my credit and hung up on me.
Consumer complaint received 2023-10-12
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 have reach out to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX XXXXXXXX letter XX/XX/2023 and then on 2nd letter XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX XXXXXXXX letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX XXXX letter XX/XX/2023 and filed a dispute through XXXX. 
Other accounts were removed do to the identity theft but these additional have not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from XXXX. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.
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. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2018-06-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have 2 Inquiries From XXXX XXXX I never Authorized as well as XXXX  File Number : XXXX Report Date : XX/XX/XXXX Disputed Inquiries are XXXX XXXX XXXX XXXX XXXX Requested On :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My mom opened a XXXX XXXX credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account
Consumer complaint received 2018-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (FL)

I started a hair treatment, with the XXXX company of XXXX FL, with a total cost of {$4500.00}, I spent about 8 months paying the bank lending club that was the bank that approved my credit, for the treatment, I paid the bank XXXX dollars a month, but because the treatment does not worked and the fall of my Hair got worse with the treatment provided by XXXX, I withdrew from the treatment. Lending club paid the entire treatment XXXX dollars to XXXX at the beginning. Now I owe the bank a total of XXXX dollars, despite having withdrawn from the treatment which I consider I should not pay for lack of results and not having a guarantee of satisfaction. I have made a total of 3 bank disputes, which have been denied to me by the bank, they tell me that I should pay him so he is not receiving treatment, since XXXX XXXX refuses to reimburse the balance due to the bank. I urge you to help with this problem, as I find it absolutely unfair to have to pay for a product that did not work for me and that I am not currently receiving, so I will retire in XX/XX/2017. But Lending Club insists that I must pay them. please help me I'm desperate and nobody gives me definitive solution. I thank you in advance for your good offices for my problem.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-06-07
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. (SC)

i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP
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. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-22
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
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. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-10-26
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. (FL)

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (GA)

I started searching around to find somewhere to live to finally move out of my mothers house I applied for a few places and kept getting denied, I had never moved out before so was wondering why I kept getting denied, I later checked my credit and saw that a debt collector that goes by preofessial debt collectors located in XXXX, so I called them and asked why that was on my credit when I never lived at XXXX XXXX, he stated he didnt know he would have to call the apartments and see. I called the apartments as well named XXXX XXXX in XXXX Alabama and spoke to the manager named XXXX ( XXXX is the apartments number ) provided my name and number and she stated there is no record of me ever living at the apartments, so I then called the management company the apartments is under which is called XXXX XXXX corporate office located in XXXX and the supervisor over the XXXX XXXX   property whos name is XXXX XXXX also verified to me that they have no record of me ever living there, she then asked me why was I having an issue with something. I told her yes it is showing up on my credit that I owe you guys and its prevnting me from getting approved. She stated that I would dispute it with the ( 3 ) credit companies and when she has to verify there is no record she will do that, I was able to have XXXX  remove it but XXXX and XXXX have not. I have disputed this already once I believe I had to redispute with XXXX and XXXX  Im just really frustrated Ive spoken to every one in the apartments complex who is management and the management company and both have verified that there is no history! I have attached both numbers and managers names so you guys can do the same research I did talk to them directly so they can advise you guys that the apartment shouldve moved from my credit. I also spoke to the debt collectors when I noticed and after I called the property and advised them that I believe the account was put in error because Ive never lived there, I also shared with him that I spoke with the property manager and management company in which they both agreed that the property should not be on my credit and they dont have any history of me ever living there, while telling a rep at XXXX XXXX XXXXXXXX what I discovered he proceeded to yell at me and say, well the fact of the matter is you are going to Pay us, it was very disturbing and they have Called constantly since! Im just trying to move forward and be able to find a place to stay. Thank you so much XXXX.
Consumer complaint received 2023-06-30
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)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX  and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.