davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patiently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the re-invesigation of information. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. Pleas delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX-debt collector Original creditor- XXXX XXXX Amount- {$2400.00} XXXX XXXXy is stating that this account was opened in XX/XX/XXXX but It was in fact opened in the year XXXX. Which makes it over XXXX XXXX XXXX.
Consumer complaint received 2023-07-28
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. (PA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-16
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. (AL)

These hard inquiries should not be on my credit report : 1. XXXX XXXX, XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

2. XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
3. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
4. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXXXXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
6. XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2024-09-12
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. (CA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I purchased this vehicle in XX/XX/year>. I was NOT informed by the dealership, nor Credit Acceptance that my loan payment was the XXXX of every month. I thought it was like another loan where my first payment is 45 days after the signed contract. 

That was not the case. My payment was due on the XXXX day. Meaning, every XXXX of the month, I had to pay. The dealsership had a tablet for me to sign, so I did not see any of the due dates on the contract. When I found out, they told me I can contact Credit Acceptance to change the due dates. 

Over the course of XXXX years, I kept contacting Credit Acceptance asking their agents to move my due date so I am not in the negative trying to pay rent and my car payment in the same week. Those dozens of calls were complete failure, as NO agent would allow the change. They REFUSE to work with me. 

I am certain CREDIT ACCEPTANCE and my car dealership did something illegal on my car loan. The interest is loan shark to where I can not get the payment lowered. How am I still owing almost $ XXXX dollar on a XXXX XXXX, and the original loan was for $ XXXX. I still owe over $ XXXX. Help me make sense. What they are doing is creating an issue to where I am perpetually in debt and will never be out of this vehicle. The retail value is not even $ XXXX. 

When I was able to start making payments again, instead of issuing those towards my late payments to catch up, they keep REPORTING ON my credit bureau that I am late. I can't ever get another car loan because of their ridiculous reporting tactics. 

I was finally after almost 3 years, got one rep to move my due date to the middle of the month. So if this rep was able to due this after a natural disaster, WHY COULDN'T THE OTHE REPS do this for me? They have created a situation where my credit became completely screwed up.
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (KY)

Leaving over for one year it was flooded water in one room i call the office lots of times for them to coming fix theyre coming just look at it do little vacuum and left 2 days later the keep coming after end of my lease they said they not gon na renew the lease and they dont tell me why 2 months later they sent me letters saying that I owe them XXXX dollars for damages i dont do and i been sleeping in the with water snd mold everywhere i think thats wrong
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NJ)

I have a Privacy issue related to my credit report, specifically in connection with the account provided by DEPT OF ED/AIDVANTAGE Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.I have never received Consumer Personal Financial Privacy Policy Notice by Mail in in writing under the GLB ACT that I was supposed to be provided at the beginning of the CUSTOMER RELATIONSHIP and ANNUALLY. 

2.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

3.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship. 

4.Written Contracts and Agreements : Provide any written contracts or agreements between myself and the DEPT OF ED/AIDVANTAGE explicitly granting permission to share my Personal & Financial non-public Personal and Financial information to a NON-AFFILIATED THIRD PARTY 5. Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent to data DEPT E

D/AIDVANTAGE ( OPT-IN ) the sharing of personal information. Failure to produce such is a violated of CONSUMER LAW under NON-COMPLIANCE that carries a penalty of {$100000.00} per officer a
nd {$50000.00} per employee. 

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (FL)

I have tried multiple times to solve fraudulent charges on my credit card account and receive credit for charges I did not make with Avant. Despite my repeated efforts to address this issue, I have not received a satisfactory resolution or action on Avant 's part.

These are the steps I've taken to get this solved : Repeated Phone Calls : I have called your customer service department four times to explain that the cash advances listed on my account are fraudulent. I have not left the state of Florida or attempted to make any changes on the account. Each time I called, I provided detailed information about the unauthorized charges. 

Provided verification documentation to verify identity to get account secure. 

Email Communication : I have sent XXXX emails outlining the fraudulent charges, including a comprehensive list for their review. Despite this, the charges remain unmarked as fraud on my account. 

Lack of Resolution : It has now been several months since I initially reported these fraudulent charges, and I am still waiting for action to be taken. This delay is unacceptable and has caused me significant stress causing interest charges accruing daily for fraud charges.
Consumer complaint received 2024-08-22
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( please remove this account before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
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. (IL)

I am filing this complaint to bring to your attention that Experian is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

I wanted the card to get the six percent rewards on Apple products for holiday. I sent in all of my information the application requested via my XXXX, I removed the freeze from my credit report and included my drivers license ( front and back ) showing my current address. I was approved for the credit card with a {$15000.00} credit limit. I ordered the physical card which was received and activated. I used the mobile pay to make purchases at XXXX, a vending machine, XXXX, Apple Services, XXXX XXXX and XXXX XXXX XXXX totally {$41.00}. I paid the account immediately, I dont like to carry balances. These purchases were made XX/XX/XXXX - XX/XX/XXXX when for no apparent reason my account was restricted and placed under review. I contacted Goldman Sachs numerous times since then, on one occasion I was asked a series of identifying questions regarding my car color, boat length and the city of my alma mater ( which was not listed ). I even sent pictures of my XXXX XXXX XXXX and my XXXX XXXX XXXX. I noticed that they pulled my credit report resulting in a hard inquiry which remains on my report for two years. They finally reported to XXXX the account in XXXX ( a full two months after the account was opened ). They reported I had a {$10.00} balance and to date there have been no updates. I do not have any balance. They are pulling credit, lowering scores doing so, they then restrict the account and their response to the inquiry is, After looking into the account I show that it is currently under review and we will be reaching out once the review is complete. This is now XXXX and still nothing. They are damaging my credit with an account that is not usable, with outdated information and sporadic reporting. They are not providing ANY information on timeframe to resolution, or, for that matter, simply no information at all. I was unable to get the six percent rewards back for my Apple holiday purchases. I feel they are scamming people for information, damaging consumers credit and simply not doing what one would expect from a credit card provider. Its all some sort of scam.
Consumer complaint received 2024-09-12
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. (NY)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Chapter XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-08-22
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> Experian had remove the XXXX accounts from my credit bureau via blocking and then XX/XX/year> the added the XXXX accounts back to my credit file causing financial and emotional stress. I was in the process of purchasing a home which is now in jeopardy by Experian 's unethical move. The following accounts where added back : XXXX. XXXX XXXX Acct # XXXX ( {$17000.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( {$9400.00} )
Consumer complaint received 2020-01-01
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)

I have spent the last several months trying to deal with a fraudulent account listed on my Equifax report and the lender is XXXX/XXXX XXXX. I have sent in multiple disputes with detailed documentation as supporting evidence that the account does not belong to me and Equifax has not removed the account and XXXX keeps verifying the account that I have no knowledge or consent of. If I have sent the required information to Equifax, they are required to remove it. It has severely hindered my financial outlook and all I am asking for is a removal. I have provided everything in the form of documentation and have patiently waited and nothing has changed because XXXX wont remove something that does not belong. I don't understand why I being dealt this situation when I have done nothing wrong. This account should not be associated under my name and social security number and I'm asking for XXXX remove this account and information from my name and social security number and for Equifax to remove the account from my credit report. This has been a prolonged process that shouldn't have taken place. I have spent countless hours and time trying to remedy the effects of this fraudulent account on my credit report and I just politely ask for a quick and seamless removal of the account from my name and social security number and for Equifax to do the right thing and remove the account from my credit report and send me finalized documentation of the removal.
Consumer complaint received 2024-09-12
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NC)

All of these reports has been disputed but the credit bureaus havent removed it due to lack of evidence. I can provide proof of residency and utilities during the time of all of these reports and it is not the same XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX
Consumer complaint received 2020-01-01
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. (NE)

XXXX keeps submitting false information about our cell phone account from 2 years ago and equifax will not remove off my credit report. XXXX illegally transferred more than {$6000.00} in 2 transactions on our cell phone account. Now they keep submitting charges for early termination fees of service and devices that were returned to XXXX at their request. The XXXX XXXX XXXX and the local news station can validate that XXXX did this. They have the proof. How do I stop XXXX from continuing to submit charges that we do Not owe? Why am I not being protected from this illegally credit reporting. 
Thanks XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.