davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-10-21
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. (AL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2020-09-12
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (NC)

XXXX Dispute file previously. Items are still on my report. Contacted Equifax and submitted another dispute and added a freeze to my report. The following items were not authorized by me. 

XXXX XXXX : XX/XX/XXXX Equifax Mortgage XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ernst, Ernst & Artmann, Inc. (CA)

I tried to explain that this debt is not owed because the manager at the apartment complex this amount is for, reported this debt and lied about the amount when it was paid in full when I moved out of the apartment building, the collection agency has not been cooperating with me and a woman by the name of XXXX XXXX is the one who is in charge of this collection was very spiteful and because I told her I wasnt paying this debt she went and ran a hard inquiry on my credit report, there was no reason for her to run a hard inquiry! Ive tried to get in contact with her and shes not answering, I DONT OWE this money.
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (MD)

On XX/XX/2019 my vehicle was involved in an accident and was a total loss. My insurance company paid out the market value of my vehicle to Regional Acceptance Corporation ( RAC ), an affiliate of BB & T, which financed my vehicle. I also have GAP Coverage through XXXX XXXX which would take care of the remaining balance on the vehicle. I initially sent RAC a Lienholder/Lessor report of total loss on XX/XX/19, that they were to complete and return to XXXX XXXX so they could process and pay out on the claim. They failed to return the form. I placed multiple phone calls to RAC to see what the hold up was from XX/XX/XXXX through XX/XX/XXXX. Nobody was able to give me an answer. I left multiple messages and emails for the claims department, and never received a return call or email. On XX/XX/2019 I received a letter form XXXX XXXX indicating they still had not received the requested information from RAC, and they would close and deny the claim after 30 days from the date on the letter. I again reached out to RAC via email and phone to address the situation, and resubmitted the form again for them to complete. After the threat of non-payment one of the reps sent a priority email to someone in upper management, and they finally filled out and completed the form at the end of XX/XX/XXXX. The last step is RAC notifying XXXX XXXX that the warranty on my car was refunded, which they have yet to do. At this point, XXXX as denied the claim, but indicated that they would re-open and pay the claim once they receive this verification. During this time RAC continued to bill me for the remaining balance and in XX/XX/XXXX reported to the Credit Bureaus that I had not made any payments. I discussed the situation may times with them, indicating that the balance would have been paid and taken care of by XXXX XXXX, but has not been due to their own negligence and lack of timeliness. I simply asked that they put a hold or pause on the account until it is settled. They know I have the GAP coverage and that they will be paid, and any difference I would settle with them. Before this I had no missed payments with RAC. The only reason this has gone on as long as it has, is because they didn't do what they were supposed to on their end. This has been going on sinceXX/XX/XXXX of this year, and its almost XX/XX/XXXX. The process  normally takes less than 30 days. However, their reporting has had a severe and negative effect on my credit score and my ability to obtain financing currently and in the future. I am attaching the correspondence I had with RAC and documentation from XXXX XXXX.
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (SC)

On XX/XX/2019, XXXX XXXX XXXX XXXX came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that XXXX XXXX needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this
Consumer complaint received 2019-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (IL)

This is concerning Citibank. 
I walked into their branch in XXXX Illinois and closed my checking account. 
Months later, I find out they've been charging me fees because the bank account was not closed properly and there was apparently a balance due. 
I went in to the bank to get this corrected but they said they have nothing to do with trying to correct it and that I had to contact some other branch to discuss it. 
I contacted customer service and I started getting the runaround. 
finally, I came across an individual so seemed to think he knew it all and started talking nonsense. 
I asked him to prove that I still owed money and he stated he did by reading off the balance. 
I became quite upset and let him know that. 
Next day, I find out that they have reported the late payment to all of the crediting agencies. 
I disputed with all of them and Citibank insisted they were right and rejected all complaints. 
They even reported to agencies they normally don't report to as I now see this item across all of them. 
Some of the agencies only have this one late payment showing when no other transactions for all the years I was with them showed. 
I then proceeded to close my credit card account with them that had the benefit of getting rewards based on the purchases made on it. 
They told me they were going to keep the money that I had cumulated to that point because I was closing the account. 
I think that Citibank is just quite disgusting. 
This was not the first disgusting thing they've done.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (GA)

XX/XX/21 central services contacted my son about my debt rep named XXXX told him The amount of the debt, and who the debt was owed too. The amount he was given was XXXX when I called they gave me XXXX. After she gave me that amount I advised her that my son was given a different amount. Then she stated that XXXX shouldnt have disclosed that information. I was given an option to pay the amount in full today after advising I wasnt able to pay she stated that I could pay on XX/XX/XXXX and that option could be broken into two installments. After not being able to do that plan I asked if the the amount could be reduced she stated no, but then said that it could be reduced to XXXX something but it would have to be paid today. That option wasnt duable for me so I had to decline it. The last option given was to me was to pay 200 something on XX/XX/XXXX and have 3 installments. The rep stated this company does not have a website where I could make payments on for me a verify this information.
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2019-08-09
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: MOHELA (AL)

IHAVENEVERWENTTOXXXXXXXXXXXX.
ITISSHOWINGTOACCOUNTSONMYCREDITREPORTSONALLTHREECREDITBUREAUSANDFROMMOHELA,ACCOUNT#XXXXAMOUNTS{$1900.00}{$85.00}
Consumer complaint received 2019-08-12
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. (IL)

I've sent multiple letters to Equifax disputing items from ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) on my credit report that I have no knowledge of and they are refusing to remove accounts in question stating that the acounts were verified but they fail to furnish proof. I want the accounts removed off of my credit report. I also have two inquires that Equifax refuse to remove although I'm sent letters stating that I have no know of the inqiries. The inquires are from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Experian I had a Fraud Alert placed on my credit report when I filed Identity Theft recently. Experian let a debit collector XXXX XXXX XXXX XXXX. file a duplicate account ending in XXXX that the account was closed in XXXX. The law : Rule from Experian called aged out accounts stated Experian govern by the Fair Credit Reporting Act will remove any closed account after seven 7 years. The account was removed after seven years on my credit then in XXXX XXXX XXXX XXXX reopen the account in a different name XXXX XXXX. Then law by Experian and the FCRA states the credit bureaus will search their records for closed duplicate accounts automatically and will not have to consult with the furnisher and if the consumer shows supporting documents that account number XXXX XXXX XXXX was on the consumers credit previously by law the CRA will immediately remove the account. The fraud alert Experian representatives told me the alert will stop any duplicate accounts by debit collectors. I am sending you my billing statement for XXXX so you can search your records to see the XXXX XXXX account ending in XXXX was closed in XXXX in good status. Remove XXXX XXXX XXXX duplicate account off my credit report. Aged Out Account law/rule Thank you
Consumer complaint received 2023-09-30
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)

After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
XXXX and experian and XXXX still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!
Consumer complaint received 2023-09-30
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. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX  any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Consumer complaint received 2023-09-30
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. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.