davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
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. (CA)

Hello, I submitted credit dispute letters to Equifax Information Services LLC on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached Equifax Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, Equifax does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' Equifax has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. Equifax states in their Equifax Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. '' Equifax made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court - XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that Equifax independently investigated my credit dispute request. Equifax failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court - XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that Equifax did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my Equifax credit report immediately. 

Please help me with this case. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

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.

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 2024-09-13
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. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-13
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

Mohela is reporting my student loan balance twice to the Credit Bureaus. It appears that I have twice the student loan debt. I have disputed it with the Credit Bureaus but no response. I am unable to purchase a home due to the high amount of student loan debt that is showing on my credit report.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXXI HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, XXXX  Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2024-09-13
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. (MI)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I have attached proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Against Experian for Incorrect Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report. I have encountered a persistent issue where my credit report includes a name that does not match my legal name as listed on my driver 's license or utility bill. 

Despite my efforts to resolve this matter directly with Experian, the issue remains unaddressed. I have provided them with the necessary documentation to prove my identity and correct the inaccuracies, yet they continue to report this erroneous name that I don't use when identifying myself. 

I am deeply concerned about the impact this situation is having on my financial standing and creditworthiness. If this issue is not resolved promptly, I will have no choice but to pursue legal action. 

I request your assistance in addressing this matter with Experian to ensure my credit report is corrected. Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I was seen at XXXX XXXX XXXX on XX/XX/XXXX. My bill was {$860.00} and account # XXXX. My insurance company ( XXXX ) paid {$460.00} on XX/XX/XXXX. XXXX performed a bill adjustment ( assumptive write-off ) on XX/XX/XXXX. I received a XXXX billing statement on XX/XX/XXXX with a {$0.00} balance. See attached document. 

XXXX XXXX XXXX sent me a debt collection notice on XX/XX/XXXX, which included XXXX XXXX XXXX XXXX as the current creditor and XXXX XXXX XXXX as the original creditor with an original account # XXXX ( this account number does not match my XXXX account and amount of {$1600.00} ( this does not match the original billed amount that was already paid. XXXX then reported this account as delinquent in XX/XX/XXXX. See attached document. 

I disputed the XXXX tradeline telephonically with Experian. I received a dispute response on XX/XX/XXXX that didn't remove the tradeline. XXXX continued to report the account delinquent in XX/XX/XXXX. See attached document. 

During a phone conversation XXXX XXXX XXXX, on XX/XX/XXXX, XXXX and XXXX, collections representatives, who stated a social security number that didn't match my number. I requested a debt validation from XXXX. I never received the requested information. 

I sent a dispute letter to Experian on XX/XX/XXXX. Experian sent an email on XX/XX/XXXX stating Experian is unable to honor the dispute request. See attached documents.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid 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: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/XXXX I made a purchase at XXXX XXXX for {$100.00} using a SANTANDER Mastercard. This was my second purchase, the first one was all good and delivered to my home in XXXX XXXX, NY. This one was NEVER DELIVERED to me. XXXX tracking confirmed it was delivered to a 'Front Desk ' in XXXX NY XXXX 

I contacted Support at XXXX, and exchanged several emails with a XXXX. She tried to turn it around on me, insisting that I chosen and 'Access Point ' as an option. Complete XXXX  as my confirmation shows 'Home Delivery ', and their Home page also brag Home Delivery. She said that the product will be returned to them and then they will issue a refund.

Two months later nothing happened and in the mean time I twice asked Santander back to issue a charge back and credit the funds to me. Santander responds that the claim was denied, to contact the merchant and washed their hands off. I pointed out the clause in their conditions outlining that I should not have to pay for an online purchase with a cc. They told me that it was my problem now.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX  XXXX XXXX FL XXXX
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ohio XXXX Cell : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, Chairman, President and CEO Huntington Bank XXXX XXXX FL XXXX XXXX, Ohio XXXX Dear XXXX XXXX XXXX, I sent you the enclosed 2 letters but my issue with Huntington Bank remains an open issue. I have been speaking with XXXX XXXX of Huntington Bank with no resolution to my problem. XXXX XXXX  phone number is XXXX. I want to know the name of the Huntington Representative that calls on XXXX XXXX XXXX. The dealership gave me a 5 year loan on a car loan that I didnt need and didnt want. I didnt qualify for the loan because I am a retiree and I had two homes that I owed were foreclosed. I was scammed and charged thousands more for the XXXX XXXX XXXX and your company approved the loan. I received several notifications from other Banks that I wasnt approved for a car loan. My last car that I had my Mother had to sign for because of my bad credit when I lost 2 homes. That loan was made thru XXXX XXXX. Since XX/XX/XXXX, I have paid {$25000.00} for this car which was only worth {$22000.00}. The car is only worth about {$17000.00} at this time. Since your company makes loans why dont you make the appraisal on this car? Huntington Bank believes I still owe over {$5000.00}! 



I would not have bad credit if I didnt loss {$650000.00} when 2 of my homes were foreclosed. This was because I was scam by a nonprofit XXXX that stole over {>= $1,000,000} from the VA and didnt pay me any rent that they owed to me and they didnt exercise the purchase of the home after they received all this money from the government. They were allowed to write me over {$300000.00} in bad checks and then they were allowed to steal my home from me. Please contact XXXX XXXX, Ohio Attorney General so he can prosecute all these people who scammed me, a retiree. 



Huntington Bank was also scam when you spent {>= $1,000,000} for the naming rights of XXXX XXXX XXXX. XXXX  XXXX XXXX has most of the conventions. XXXX is one of the worse cities for a convention. 85 other cities in the United States rank higher than XXXX for conventions. The XXXX XXXX XXXX that has your names attached to it is a ghost town with no conventions. If you want me to represent you and try to get Huntington Bank a large refund from XXXX County who scammed you I am willing to do this for you for a small commission. 



Looking forward to hearing from you regarding my requests. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (CT)

My student loans of {$140000.00} were transfered from XXXX to the servicer MOHELA, and then payed down to a value of {$130000.00}. At some point the loan was transfered within MOHELA as they have updated their online platform. Due to that update and creation of a new account number for my original loan, my XXXX credit report shows two active loans from MOHELA for {$130000.00} AND {$130000.00}. 

This doubles my loan on my credit report and will likely affect my debt/credit ratio. MOHELA has not been helpful in rectifying this and I have also filed a dispute with XXXX. 

The accounts are : MOHELA/DEPT OF ED : XXXX MOHELA/DEPT OF ED : XXXX
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I do not recognize the following accounts, I believe they are the product of identity theft. I have called these creditors and alerted them, going as far as asking for written proof but so far they have denied me. The accounts are 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 XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (MI)

I reviewed my consumer report and noticed some late payments on there from XXXX XXXX Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose