davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (AR)

I am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with XXXX for over 6 mos. I have provided documentation from XXXX XXXX, XXXX keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from XXXX  stating they dont do third party verifications. If XXXX had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. XXXX  continues to lie and disregard the proof provided. 

Not to mention all my data was apart of XXXX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/XXXX she said XXXX verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against XXXX  if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

Experian has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AR)

I am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with Equifax for over 6 mos. I have provided documentation from XXXX XXXX, Equifax keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from Pacer   stating they dont do third party verifications. If equifax had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. Equifax continues to lie and disregard the proof provided. 

Not to mention all my data was apart of EQUIFAX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/Equifax she said Equifax verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against Equifax if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

XXXX has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. XXXX, XXXX and Experian are governed by XXXX XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I completely disagree with the response to your investigation. The following incorrect items are still present on my credit report, even after your investigation. I request that these items be reinvestigated immediately and with good cause. These inaccuracies seriously harm my credit rating. 

XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please provide your method of validation on how you validated this account when it has already been SOLD and TRANSFERRED to another lender. 
XXXX Account XXXX : XXXX If unable to provide your method of validation then please DELETE immediately. 

XXXX. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a closed and CHARGED OFF account. 
XXXX Account XXXX : XXXX If unable to provide your method of validation then please DELETE immediately. 

XXXX. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a COLLECTION. 
XXXX XXXX XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}
Consumer complaint received 2024-08-17
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. (GA)

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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2022-02-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (UT)

LightStream has discriminated against me, I applied for a personal line of credit of {$100000.00} on XX/XX/2022, and got denied. Emailed the company today XX/XX/2022 after having a hard time finding contact information on their website, and got a email back saying their email was full a few minutes after!
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. XXXX is showing past due please correct and repair the damage to my profiles. 

Time XXXX XXXX
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2024-08-17
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX  - XXXX  Account Number : XXXX Account Name : XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX  XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-08-05
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. (TX)

I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX  XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX  XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-08-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Hunter warfield inc has a collection on my credit report on behalf of XXXX XXXX at XXXX XXXX for the amount of {$3000.00}. I do not owe this money and I have an email from XXXX  XXXX at XXXX XXXX  starting my account with them is settled. I have also not recieved any letter, statements, etc from Hunter warfield in regards to this. I request that this be removed from my credit report with XXXX, XXXX, and XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct. correction   Good morning Ms. XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional manager. 

We have corrected your account and waived the termination fee. 



Respectfully, XXXX XXXX Assistant Manager XXXX  XXXX  at XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been having difficulties communicating with transylvia regarding inquiryou got an inquiries on my report II have been notified by XXXX that my email addresses have been found on a dark Web I have to recourse them to lock my credit report but translate it is not offer me these services and these increases are becoming the buildup have 20 inquiries in the last 4 months for transjunior Despite me reaching out to email and no asking for proof of equity they they refuse to either submit the proof or delete the increase regardless of my protection for identity theft and the problems I've been having with it I have notified XXXX and experience which was no problem they didn't investigation and he found that the increase was indeed not mine they removed it immediately immediately TransUnion refuses to And they refuse to supply me with the information that is be quiet to prove such credit increase is indeed valid I am being flagged flag as critics seeken chicken and I am not able to receive any assistance because of this report I am being denied and the reason stated is transjunior 2 is transjunior too many inquiries on my report within the last 12 months I don't even know how 20 inquiries is able to get on one report but not the other 2 I am aware that different companies request and different credit views but this seems to be a bit much and then I try to work with me I've submitted form XXXX and they have not responded I've sent them correspondences certified male for this XXXX disputes that they accept and Put online service that I used to send certified mail They have received my letters and when I called they told me they have not I am not understanding why they are Is not trying to investigate or help me help a situation XXXX but now I have no other choice but to reach out and to respectfully ask for help
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AZ)

I don't owe anything to TRANSWORLD SYSTEM INC with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXXXXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2024-08-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XX/XX/XXXXXXXX ( Original Creditor :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.