davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (WI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX XXXX XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

I looked at my EXPERIAN, XXXX and XXXX credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. 
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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-07-25
Product: Credit 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: ENCORE CAPITAL GROUP INC. (WI)

Its a total bill that has been sent to collections. I dont even know who the company is. I have been unable to work for physical medical problems. I can not pay this bill. At this moment I can not even afford food. Im sorry as I have always made an attempt to rectify these kinds of things but I am elderly and XXXX
Consumer complaint received 2024-07-25
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 done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. Seeing Ive submitted my claim with Experian, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber (CA)

This collection of {$380.00} doesnt exist and they cant prove any invoice to its affect. Medical can prove all bills paid. They can not. I request this collection to be removed from my credit report IMMEDIATELY! This is causing me tremendous financial burdens. Call both XXXX & Grant & Weber and was told by case mngr ( XXXX XXXX ), XXXX XXXX - XXXX x XXXX, they dont even have such an invoice. They were only going by what their customer, XXXX XXXX XXXX, told them!! This unproven claim should of never been put on my credit report!! Please help me correct this.
Consumer complaint received 2024-07-25
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I was in the process of making a valid charge to Care Credit, A Synchrony Bank issued card. 

The transaction was denied, I was not told why, but I called Care Credit, and was told that my card had been flagged for fraud. I must add that the transaction was done through Care Credit 's Website, not over the phone or with the merchant. 

I asked to speak with a supervisor and had a hard time getting one because the customer service rep was making excuses for transferring me to a supervisor. 

Things started out well, but they quickly devolved in me being angry, and then shouting and then swearing at supervisor. 

None of the information that I gave to the supervisor in the Fraud Department was sufficient to this person to verify me. The phone numbers weren't acceptable, then my email address, my cell phone number wasn't going to be of use, because the cell phone is from XXXX, not XXXX, XXXX, Etc. My email address wasn't acceptable either. 

I asked for questions but she refused. 

I'm a serial swearer and I must say my language was not my bright moment. But I was doing what was expected and she was refusing to use the information because she couldn't supposedly verify it. Which I think is a bunch of XXXX. 

The payment has not been authorized and now I have to wait for some XXXX letter in the mail.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-25
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
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. (NY)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I have a XXXX XXXX account that handles all of my student loans. 

I had financial hardship was forced to put my account in forbearance. 

The most recent time was in XX/XX/XXXX and I had made payments in XX/XX/XXXXand XX/XX/XXXX - however in XX/XX/XXXX, after the forbearance period ended and I made immediate payments, XXXX still dinged my credit report which dropped my credit score drastically ( near 100 points ) - My account is in good standing - last time I talked to a XXXX rep I was told that I just had to dispute it. 

Please help. I know I had been behind on some payments in the past and these are student loans to a degree a never got. Im still in my late 20 ' and finally learning about credit, I am finally making a better income and just want to get my financial life on track.
Consumer complaint received 2019-05-30
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. (AZ)

XXXX  ; Experian and XXXX are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Consumer complaint received 2024-07-25
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (IN)

MARS is still stating the old amount that we owed. On XX/XX/XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX  agreed to take off {$850.00} of the amount that we owed. We had already paid 30 % of the amount that we owed plus the {$850.00} we should only owe a little over {$300.00} now. MARS is still reporting to the old amount before the {$850.00} was taken off. XXXX XXXX said that she has reported this to MARS more than once.
Consumer complaint received 2019-05-31
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2017-11-12
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. (IL)

Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Method of Verification and Deletion of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of information contained in my credit report. I have previously disputed the account : XXXX XXXX XXXX Account NumberXXXX twice, and on both occasions, the account has been verified as accurate. I am requesting a detailed method of verification for the information provided. 

Specifically, I would like to know the following : The name ( s ) of the person ( s ) or entity/entities the credit bureau spoke with during the verification process.

The phone number ( s ), email address ( es ), and physical address ( es ) of the person ( s ) or entity/entities contacted. 
Moreover, I have identified discrepancies in how this account is reported across different credit bureaus. For instance, the account is listed as open with Experian and closed with XXXX. This inconsistency indicates that there may be inaccuracies in the information being reported. 

Due to these discrepancies and the lack of consistent and verifiable information, I am requesting that this account be removed from my credit report. The inaccuracies are not only confusing but also potentially damaging to my creditworthiness. 

Please conduct a thorough investigation and provide me with a method of verification as outlined above. I expect a prompt response and resolution to this matter, as it is my right under the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Federal Financial Services Inc (NC)

I live in XXXX But i moved to XXXX in XXXX. In XXXX my car was reposessed. The car was towed and i was told i would be notified of the auction of the car and how much i would ow. I never got a call or anything by mail about my car. Federal Financial Service stated that i needed to get in touch with the towing company in XXXX. I did and they said they will send me the information about where my car was auctioned off. They never did and XXXX  reached out several times with no response. I filed a police report in XXXX for stolen car because the financial service nor the tow company told me they knew where the car was or who bought it. The tow company said they sent the financial company certified letters about where to get car before it was auctioned but financial service say they never got it. This is fraud. The car dealership was closed down due to some criminal activity and the financial company closed in my city. I have made them aware for yrs that i habe not had the car yet they continue reporting the full amount on my credit of XXXX withoit knowing where the car is or who has it i asked them to change the status from charge off to settle or just delete. They refuse to do anything. This is a huge hinderance to me as i am a single parent of XXXX kids. After this step I will sue the finance company because they have not provided any proof i should still owe this car.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

CONVERGENT OUTSOURCING continues to try and collect money from a bill that I have no knowledge of. I have disputed their claims through XXXX and have asked to provide a bill showing the amount I supposedly owe. My request has not been completed. 

I ask that they provide a copy of the bill ( which I know they can't provide ) and I DEMAND that they REMOVE this negative information from my credit report! 

Thank you XXXX
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.
Consumer complaint received 2024-07-25
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting 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. (PA)

I checked my credit report this afternoon and It seems like some discrepancies are showing up on mine. What I mean by that is that there are unauthorized inquiries I have no idea on that is appearing on my end.