davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, XXXX, and Transunion to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.
Consumer complaint received 2021-11-04
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. (VA)

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-04
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. (NJ)

For my credit report with Experian, XXXX & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by Experian, XXXX XXXX XXXX and my credit score should be returned to what it was in the previous credit report.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

on XX/XX/2021 my phone and wallet were stolen from my car. when word got around seeing as how i live in a small town it wasn't long before i found out who had been seen with my phone and then seen using my cards. charges that were made using my cards were FOR places based in XXXX arizona a XXXX charge for {$470.00} a XXXX XXXX XXXX XXXX arizona for {$510.00} a XXXX resort 4 {$110.00} another XXXX  for {$240.00} another XXXX for XXXX dollars and XXXX XXXX {$7.00}. and two charges for XXXX XXXX by XXXX XXXX {$640.00} and {$540.00} all charges lead from the XXXX of XXXX to the XXXX of XXXX i confronted the people that were said have possession of my phone and my debit cards and when i got a hold of the mail he said that yes it took my card and so a lot of things to it when i got in contact with the girl she said i don't know what you're talkin about thanks for the trip to XXXX it's great. when i filed a dispute for these charges with netspend they denied my claim based on notifications that were sent to my phone and my ip address for my device i would i explain to them that my phone and my wallet were taken because my phones case was my wallet they said sorry why don't you send in some documents so when i did send the documents and i waited another month and a half i called them i called back and aspirin appeal they told me no i couldn't appeal how to talk to their fire department they have no way to get ahold of them i have to get ahold of him so what i asked for the contact information they said that they didn't have it and then they hung up on me so i called back i was on hold for 6 hours and then got hung up on a call back. put on hold for 6 hours and got hung up on i call back between 5 and 7 more times hold from anywhere from four to six hours each time being hung up on it is obvious from my prior history that these charges are not consistent with my normal usage they refused to hear it and they won't work with me
Consumer complaint received 2021-11-04
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: CITIBANK, N.A. (GA)

There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.
Consumer complaint received 2024-10-17
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
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. (TX)

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 XXXXXXXX XXXX XXXXXXXX - {$1200.00} 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 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was told XX/XX/XXXX my account was scheduled for closure after trying to use my debit card. I inquired with the customer service team as to why my account was scheduled for closure I was told per the clause in the contract I signed I was able to close the account at anytime and the bank reserves the right to do so as well. Multiple employees stated the same thing. I have been a Bank of America customer for years and I have never had any fraud issues with my account. 
After withdrawing my funds I was told it would take up to 2 weeks for a full account closure to be done. It would show closed to them but I could not use it. 
On XX/XX/XXXX I had an automatic deposit posted to my closed account ending in XXXX. Assuming its well past the 2 week timeframe of closure that the amount would be closed to sender. XX/XX/XXXX I contacted Account Closure department and asked what the return timeframe was the rep stated 3-5 business days and I asked if she saw anything in my account she stated no. Today is XX/XX/XXXX the sender of the check contacted me and stated no funds had been returned so I called BOFA again I was told that there indeed was funds in my account and I was told it was okay to go withdraw. I go to the Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this is the umpteenth time I walked in and either there were no tellers or their system is down. Every time I enter this location theres some sort of issue
Consumer complaint received 2021-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this right away. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Here is the list of accounts that needs to be removed : CAPITAL ONE BANK USA N XXXX Balance {$0.00} XX/XX/XXXX ; CAPITAL ONE BANK USA N XXXX Balance {$890.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-10-17
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. (GA)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (MS)

I called XXXX XXXX office on XXXX and spoke to attorney handling my case and told her that I received notice from them to collect a debt for republican Finance and that I was already been garnished by my employer. She asked if I could email her the court garnishment order and receipts to prove that my employer was sending payments to republican finance and I did that to her email. On today XXXX I received a letter dated XXXX verifiying debt that I owe debt of more amount to XXXX XXXX from Lloyd McDaniel with the same enclosed documents that they asked me to send to them to prove that I was already being garnishment for the debt. Lloyd McDaniels and XXXX XXXX are using illegal debt collection practices to collect on this debt because my employer has sent payments in the amount of {$230.00} and {$230.00} to XXXX XXXX the Garnishment started on XX/XX/2020. So far I have been garnishment for {$470.00} toward this debt owing {$1100.00}
Consumer complaint received 2021-11-04
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX 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 XXXXl XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-17
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. (GA)

I have contacted all three credit bureaus regarding these late payments, and they have all sent back letters stating that the account has been verified. I have had each of these accounts for some time now and I do not understand how they are reporting these late payments suddenly. 
Due to the law that the FCRA has put into place such as 15 U.S. Code 1666b ( TILA ) : A creditor can not treat a payment as late if it was made by the due date. 
15 U.S. Code 1681e ( b ) and 1681s-2 ( FCRA ) : These sections require that only accurate information is reported to credit bureaus and that errors are corrected. 
These laws work together to ensure that late payments are only reported if they are legitimate and that any errors in reporting are corrected promptly. 

I was never late, I am not sure if they had some type of system failure or what
Consumer complaint received 2024-10-17
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. (CA)

My problem there giving my data out and now there saying im deased i cant work i cant even get loans nothing im in a real bad place and there not helping at all the credit report place also ive complained before never heared back from anyone
Consumer complaint received 2024-10-17
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. (AZ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting agency act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any investigation 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15USC 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 2021-11-05
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: Credit Corp Solutions Inc. (KS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Consumer complaint received 2021-11-04
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. (MI)

Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TX)

I signed up for credit monitoring about 2-3 years ago, I noticed some inaccurate information and things on my bureaus. I took the time to go one by one and reach out to the companies with the inaccurate information. World Finance is one of the creditors. So the first or second time I spoke with someone they told me that they had investigated and was aware the account was not my account. They removed the account, then the account was back on the bureaus. Had reached out like 40-50 times with them. On a lot of occasions I was given the run around. Last month I tried reaching out again and it was the same scenario. It was verified and removed then here again its back on my credit bureaus.
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of my credit report.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2024-10-17
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. (TX)

identified inaccuracies on my credit report regarding 15 USC 16c-2. The inquiries listed were unauthorized and are lowering my credit score. Kindly remove all unauthorized inquiries. Thank you!
Consumer complaint received 2021-11-04
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. (MI)

I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry
Consumer complaint received 2021-11-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

Business is Deville Asset Management. It's been over 4 years since I stopped payments because they refused to send me a letter stating my debt. I didn't know the amount I owed, what has been paid and what my balance was. Once I stopped payment they still refused to send any letter with the debt information. The company called and yelled at me on my voicemail that I had to call them back because of the payments. I would call and the business phone would never be answered. They were under investigation. Now, they have sold my debt to ANOTHER debt collector XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX - Toll Free : XXXX XXXX
Consumer complaint received 2024-10-17
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. (SC)

I told Experian, XXXX, and XXXX to reinvestigate these accounts below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX