davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I believe this collection is falsely being reported on my credit report by error or as a result of identity theft. in 2019 I was contacted by a business who suggested I contact the credit bureaus because I may have been a victim of identity theft and fraud. I contacted another credit bureau is where I found the collection. I reached out to the business. I had never heard of this business until seeing the name on the report. I am not liable for this debt with NATIONAL CREDIT SYSTEMS INC. I do not have a contract with the collection agency trying to collect and report this to my credit report. I did not sign any paperwork with the collection agency NATIONAL CREDIT SYSTEMS INC. stating that I would pay them or owe them any money. I requested they provide me with the original contract. They did not provide me with the contract as requested. I want a correction to my credit report, I demand that this account be removed from my credit report. I do not know who National Credit systems is, yet I do know that they are doing bad business practices as far as I can see, National Credit Systems does not verify information they receive for accuracy. They report inaccurate information and put debt in collections accounts that otherwise would not be there. This is wrong and has caused conflict when it comes to verifying my identity because I do not have any debt. I am making this complaint because I have contacted National Credit Systems about this more than once, from the time I first learned about their information on the consumer report file account, yet they have not made any effort to remove the inaccurate information that they are reporting saying I owe them money I never agreed to pay them and do not owe and is not my debt, yet they have made every effort to have it remain on the consumer report so that they can be paid from my account to themselves which is a attempt to use me as a source of their funding, which is wrong. They have been trying to do so by using a way to have this incorrect information continue to be reported, causing me delays, false declines, and a negative narrative that I have debt and owe and not responsible to pay. Which is not true and absolutely unfair that no one is taking that seriously, because I have made several complaints about this from the time I have learned about it, and even I years later I have made complaints about it and it is still there on the report. I am making this complaint to have this removed for a resolution for this error or what is being intentionally done by NATIONAL CREDIT SYSTEMS INC. Thank you for you help with this.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

Submitted a dispute about an inaccuracies on my report. Chexsystems did not accurately verify information
Consumer complaint received 2018-06-08
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: JPMORGAN CHASE & CO. (FL)

I lost my card on theXX/XX/XXXX, reported it stolen on theXX/XX/XXXX after checking my online statement and seeing someone was using it. When I went to the bank to close the account, I filed a dispute for the claims that I didn't make and the banker told me the account would be frozen and closed after the investigation was completed. About a week later a total amount of {$1600.00} was reversed on to my old account and I was told by three different bankers that a check for that amount was being sent to my home. As I patiently waited for the reimbursement check, I opened a new checking account with the financial institution. I received an insurance check in the amount of {$3700.00} on about XX/XX/XXXX for a car accident I was involved in on XX/XX/XXXX to repair my car. A few days before my car was scheduled to be released from the shop, I noticed that {$1100.00} was withdrawn from my new checking account due to rejection of my claim and I still hadn't received the reimbursement check of {$1600.00} that I was told about on multiple occasions. I went to multiple branches of the bank, spoke to many bankers, and people in their claims department over the phone and nobody could give me a definite answer to what happened to my money. When I spoke to a supervisor I was told there was nothing that could be done at that point unless I toke actions into my own hands by hiring a lawyer and notifying my local police department. So I had to take my car out the shop ( without it even getting worked on and on top of that I had to pay a {$500.00} storage fee just for having them keep there with no work done ). I feel like the lost of all this income could've easily been resolved had the bank investigated my claim correctly the first time
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Accounts were fraudulently opened in my name and illegally reported to XXXX upon request to remove information with legal proof such XXXX police report ftc report ect and is still reporting fraudulent information after I sent in correct information for investigation
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MO)

On XX/XX/XXXX Security credit services continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But Security credit services refuse to provide and it continues to get verify on my credit report as accurate information.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.
Consumer complaint received 2024-10-18
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)

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from XXXXXX/XX/XXXX XXXX Opened on XX/XX/XXXX, XXXX XXXXXX/XX/XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX Opened on XX/XX/XXXX, and unauthorized Inquiries : XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Per XXXX XXXX, the ownership of this debt is XXXX XXXX , XXXX and I have made payment arrangements with them ... MIDLAND has no ownership of this debt and I would like them to be remove from my credit ASAP ...
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-25
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. (NY)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NV)

Since Heartland ESCI took over my loan a few months ago, I have seen a sudden and unexplained increase in my regular payments. In addition to the monthly payments I make, I am frequently sent messages informing me that I have an additional {$40.00} that I must pay. What this payment is for has never been explained to me, and I have received no response whatsoever to any of my frequent requests for clarification via the company 's customer service page. Due to my own work schedule and my time zone, I am largely unable to contact the company by phone, and the single instance in which I did manage to call resulted in an hour-long wait time. I continue to make my regular monthly payments ( which again, were inexplicably increased ) and yet I still get hit with this additional ( likewise unexplained ) {$40.00} fees. From my understanding of the XXXX statement 's page ESCI gives me, I am also paying a " convenience fee '' for paying online. On the whole, I feel that I am paying my loans, paying additional fees, and paying for the right to make these payments. And I have yet to receive any explanation or cost-breakdown from the lender, who frankly seem to have no interest. The impression I get from the company is that I 'm a borrower, not a customer, without any right to explanation or common courtesy. At this point, I am so frustrated by Heartland ESCI that I am hoping to pay off my loan in one fell swoop, rather than continue to interact with this company.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank denied my application for a Sam 's Club Credit card due to " Prior unsatisfactory obligation with Synchrony Bank. '' Since my only other account with them is my Amazon card which is paid on time every month, has never been late and I am not over my limit, they are denying me credit because of a fraudulent account that was opened in my name with XXXX. I fought and won to have this account removed from my credit reports with the credit bureaus but synchrony still harasses me for payment on this account. ( Not going to happen, and they have made several FCRA violations in their quest ) This is a clear violation of my rights for exercising my right under the consumer credit protection act to have this info erased from my reports since it was a fraudulent account/identity theft. They listed no other reasons for the denial of credit since there are none. I have a good credit score ( even though they tried to destroy it by adding the account back to a report after it had been reported as fraud/identity theft, another violation ) and I pay ALL of my bills every month on time and have a 100 % on time payment history. They consistently violate consumer rights and I will be filing a lawsuit against them. This violation is just another to add to the growing list they have already accumulated. ( XXXX violations ) This company needs to be fined and shut down in my opinion as this is not the first time they have had this issue. In my research they settled another class action lawsuit due to similar violations.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AL)

Wells fargo account was hacked funds taking out my account I went 2 months trying to provide it was not me. My online account login was changed and money was taking out shortly after. Wells Fargo refused to give me back my money for 2 months. Bills got behind and had to find another back
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

My 8nformation has been breach while under their monitoring and my personal information is at risk an can be detrimental to the hacker or person or persons that has my personal information birt certificate social number and other personal information
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I received a decline from a an apartment in DC. The reason given was Guarantor required. As per my XXXX XXXX report all of my accounts are open and paid on time and my score was a lot higher on XXXX XXXX then on Transunion. I received a copy of the rejection from the leasing agent indicating my scote to be approximately 7oints lower .Also, I have yet to receive a copy from Transunion explaining the specific reason I would require a guarantor. I have attempted to contact Transunion via telephone and have not been able to get through.