davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Experian has an Item listed on my credit report from  XXXX  and they refuse to remove it. Actually they put the item back on my credit report after removing it back in  2016 .  XXXX  has notified me that they advised Experian that the item was to be removed. It is evident by the proof that I have which is attached that Experian is in violation of federal law and they are just trying to hurt my credit worthiness. This item needs to be removed immediately.     Secondly ( see attachment ) that Experian is reporting that an old student loan which was sold or transferred was late on a payment. I was never late and yet they report me as late and even list in the comment section that they can not verify it but yet have me as late. Once again violation of Sec tion 609 of the FCRA. Thi s needs to be updated to reflect never late as I was never late and they can not verify their reporting.     Third they added a security Freeze to my account and I did not ask them to do so. This needs to be removed immediately
Consumer complaint received 2024-10-26
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX  Account XXXX : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX
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: I.C. System, Inc. (NC)

There is no legally admissible evidence to verify the accuracy of what IC SYSTEMS {$990.00} are is reporting, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by IC SYSTEMS, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the IC SYSTEMS fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ IC SYSTEMS and proof this is a credit transaction w/ IC SYSTEMS ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. IC SYSTEMS accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : 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. 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 XXXX 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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut.  I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. 
I filed a dispute with   XXXX    and they returned their findings as accurate, with no further information.

I C SYSTEMS COLLECTIONS # XXXX 
  XXXX   XXXX   XXXX   XXXX   XXXX  , MN  XXXX 
( XXXX )  XXXX 
Placed for
collection:
 XX/XX/2017 
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance:  $  XXXX    Date Updated:   XXXX   
Original Amount: $ XXXX 
Original Creditor:   XXXX   XXXX   XXXX   (Cable/Cellular)
Past Due: >$ XXXX <
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Consumer complaint received 2017-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (NY)

I have a current dispute with XXXX XXXX/Navient dispute # XXXX. The company has sent in a reply and the dispute is closed. The answer from the company is erroneous. They are now claiming that my son did not submit payments for 5 months claiming that his bank account information was incorrect and the account used to make payments did not exist " there was no bank account with the information XXXX submitted ''. It is rather odd that XXXX XXXX was undergoing a " name change '' due to the negative publicity it received for several years and changed the name to Navient with my son XXXX 's loaned serviced by the new company. At no time did my son change banking institutions. It was XXXX XXXX and Navient who erred in transporting the information to the new servitor Navient. Look at the timing of these errors during the period of change of XXXX XXXX as the servicing agent and Navient. Rather suspect and odd that it is so close in time when these errors where made. It is also rather odd Navient states that " as cosigner you are equally responsible for repaying the loan that you cosigned '' and you report " We confirmed that we spoke to you in XXXX and XXXX XXXX and advised you of the missed payments but you were not willing to make payments to bring the account current '' You also stated that payments made by XXXX during this period where no full but partial payments whay is that not explained in the investigation. I have the names dates and times I spoke on numerous occasions to both XXXX XXXX and Navient people. As for not paying the loan and being responsible I have attempted to pay the loan off but have been told I will not be able to get a letter so that I can take the tax advantage write off as a cosigner. Your employee states that it is law that only XXXX can receive this letter and take the tax write offs. If this is correct than how is it that you can effect my credit report as well as XXXX 's. It XXXX died would I be responsible I am XXXX and on Social Security XXXX. You ca n't get blood from a stone. Other than this negative credit report my credit is impeccable. Both XXXX XXXX and Navient are predatory loan companies that the federal government should put out of business. At no time should this ngative information been placed on my or XXXX 's credit report.
Consumer complaint received 2017-05-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to  XXXX  '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
Consumer complaint received 2023-10-30
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Consumer complaint received 2017-05-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I 've submitted disputes with the  XXXX  national credit reporting agencies ( Experian,   XXXX   and  XXXX   )  concerning (  XXXX   )   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ) , I 'm notified by my own ( not the credit bureau  ( s  ) credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and  credit score t remendously by making appear more at risk to lenders.
Consumer complaint received 2023-10-30
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. (IL)

I checked my credit report and noticed unauthorized inquiries on my credit profile listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NJ)

I 'm the victim of identity fraud. Since  XXXX   XXXX  ( and prior to that  XXXX  of  XXXX  ) I have been battling to have the   XXXX   XXXX   charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who  the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under  XXXX   XXXX . I would never open an account under a nickname and I 've never had   XXXX   as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the  XXXX . Interestingly, only the reports pulled by the mortgage company show these scores.  XXXX   XXXX  still has me in the  XXXX  range where I 've been all my life. PLEASE fix this!
Consumer complaint received 2017-05-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TN)

Every month I pay over {$700.00} to Titlemax!! I located my loan papers and I agreed to pay  XXXX !!! I never would have agreed to pay so much. They also have the incorrect name on the paperwork! I am currently  XXXX    XXXX     XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , TX. I continued my loan payments but now I am   XXXX   XXXX   and only receive {$400.00} biweekly. I communicated this to management who told me I was in default and up for repossession. I explained again that I am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . They told me there 's nothing they can do ... which I do n't believe
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I would like to file a complaint against Equifax Credit Bureau for reporting inaccurate information on my credit report. On or around  XXXX   XXXX , I requested a reinvestigation of a dispute that I filed 45 days prior concerning inaccurate information being reported on my credit file to Equifax by  XXXX   XXXX   XXXX . The first response I received from Equifax stated that the account was verified. Next, I sent a letter to  XXXX   XXXX   XXXX  requesting validation of the debt. Approximately, thirty days later I received a reply from  XXXX   XXXX  and the account had not been validated.      XXXX   XXXX   XXXX , financed my vehicle in  XXXX . In  XXXX , due to unforeseen circumstances I was unable to make payments on the loan. The vehicle was repossessed and sold by  XXXX   XXXX ,  XXXX  or a third party related to  XXXX   XXXX   XXXX . Therefore, the Account Balance of {$11.00},  XXXX  and/or Charge-off Amount of {$15.00},  XXXX  as of  XXXX / XXXX / XXXX  reported by  XXXX   XXXX ,  XXXX  to Equifax is incorrect, because  XXXX   XXXX   XXXX  recouped part of the said debt/ financial loss when the vehicle was repossessed and re-sold to reduce or eliminate the said debt. Although  XXXX   XXXX   XXXX , is responsible for providing truthful information to Equifax, I believe it is Equifaxs obligation to consumers to validate and verify the information being reported, especially if it has been disputed. Since Equifax clearly failed to verify and validate the accuracy of the information provided by  XXXX   XXXX   XXXX , this problem has caused me a lot of   XXXX   as I am trying to rebuild my creditworthiness. For instance, I have been denied credit, car loans, housing, and possibly employment ; because of the decline in my cred it score/ FICO s core.
Consumer complaint received 2017-05-09
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. (KY)

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to All credit reporting agencies including  XXXX . They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on   XXXX   XXXX  . They again resent a letter explaining what a inquiry is. They have failed to respond t o two requests now to research and delete inquiries on my credit report that are inaccurate. T hese inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

On XX/XX/XXXX, I used my Cash App debit card to purchase an XXXX XXXX  from XXXX XXXX XXXX. 

When the unit arrived however, it was defective. It had problems with not only the directional pad but its XXXX unit. 

I tried to get XXXX to exchange my unit for a working one and they refused multiple times despite having video and photographic proof I published to the public. 

Since that route didnt work, I filed a dispute with CashApp. After not even a day, they denied my claim. When I asked for information used to make that decision as that was way too fast to possibly look at the emails, photos, and videos, they just literally sent me a blank page. No interviews with anyone in the company, no investigation records. XXXX. The bank did no investigation whatsoever yet felt compelled to deny me my refund. I filed twice and the same thing happened both times.
Consumer complaint received 2017-05-10
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. (IA)

What I said in my complaint ...       To whom  it may concern, I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-09
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. (NV)

I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is  XXXX   2016  XXXX   XXXX   2016
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Transworld system inc.

This is not my account this is a case of fraud I have not given my written or verbal consent to anyone approving the purchase of anything tht has defaulted into collecting I'm a extremely responsible borrower and this is not my account please remove