davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (NC)

I'm having problems again with Experian and my credit score dropping with no explanation. I opened a dispute Report XXXX  XXXX XX/XX/XXXX stating that experian dropped my credit socre by XXXXXXXX XXXX. I never received an explanation and they did not restore the full XXXXXXXX XXXX 

New complaint - I checked my credit score today ( XX/XX/XXXX ) and my credit score dropped XXXX points from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see no transactions, significant increase in credit use, no accounts closed or any other reason why my score would drop. Same problem as previous complaint : no way to submit a dispute with Experian about Experian ; can only submit a dispute about a creditor. 

I'm starting to feel targeted with this happening a second time a little over 1 year from the last incident and Experian not providing any explanation. I received an email from Experiean stating the dispute was completed/closed and could be viewed ; when I tried to access the results/comments, there was nothing to view. 

I also pulled my scores today ( XX/XX/XXXX ) from the other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (AL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-09
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I AM A VICTIM OF IDENTITY THEFT. XXXX  XXXX XXXX REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO CHEXSYSTEMS. ALSO XXXX HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND CHEXSYSTEMS is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
XXXX IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.
Consumer complaint received 2024-06-19
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 a victim of identity theft and I saw a couple of negative accounts on my credit reports that are not mine. I reported this but they said they verified it as accurate but no letters or proofs or anything was even provided. These accounts are not mine and I really need your help to address this for me please. It's been going on for almost 6 months now and the disputes are still pending. 

I will attach here the FTC reports that they told me to resend again and again. Pls delete the following fraud accounts and inquiries : Fraud accounts : XXXXXXXX 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 

This is also a fraudulent inquiry : XXXX XXXX - XX/XX/XXXX XXXX 

I have not even studied. I wasn't capable to. The student loans don't make sense at all.
Consumer complaint received 2023-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (GA)

I have contacted Westlake portfolio management on multiple occasions I sent ftc reports to the credit bureaus and all. I told them can I get a contract where it say I signed with them. Every phone call is recorded so yesterday on my 5/6 time calling for an update the guy stated we dont have to send you anything only the credit bureaus. They keep stating a car from us auto sales and how they took over their accounts. This has been all over the news.
Consumer complaint received 2024-08-15
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)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-04
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. (LA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (DE)

On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account # XXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. Furthermore, despite inaccurately reporting to XXXX that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX XXXX XXXX Account Number : XXXX Please XXXX account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX XXXX  XXXX 
Account Number : XXXX Please XXXX account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX Account Number : XXXX Please XXXX  account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX  XXXX XXXX Account number Please XXXX  account from credit file.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (NJ)

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 2024-04-16
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account XXXX XXXXXXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. Furthermore, despite inaccurately reporting to XXXX that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (DE)

On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account # XXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. 

I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. 

Furthermore, despite inaccurately reporting to Equifax that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. 

I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-22
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-18
Product: Credit reporting 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: Experian Information Solutions Inc. (NJ)

Experian refuses to score me despite the fact I have 6+ months of credit history. This is prejudicial and harms my chances getting new cards, getting limit increases, and getting loan offers.
Consumer complaint received 2024-06-15
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. (IL)

Any transaction on my credit report is a transaction that is from a real life experience and should not be included in my credit report. Experian is violating my rights to privacy as a consumer. 

I have disputed this account with Experian. 


XXXX XXXX XXXX XXXX  Account # They keep updating the account and reaging the account and artificially damaging my fico score. The last activity date for Experian says XX/XX/year>. I need them to remove this account completely or I will sue. This is unacceptable and Im losing faith in Experian as a consumer reporting agency because they are not looking out for the consumer at all.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX refused to update my accounts current balance and status after receiving gap and insurance payment that should have lowered my balance and updated to current, they have not updated since XXXX. They are reporting inaccurate my balance is XXXX they are reporting XXXXXXXX XXXX  they received a payment of XXXX from my insurance and did not update to current for the month of XXXX. They have also been adding interest and taking from my insurance payments in which my interest was updated to XXXX back in XXXX.
Consumer complaint received 2024-07-01
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. (SC)

15 USC 1681C-2 states except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please honor my request and remove these accounts from my credit report immediately.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (VA)

The first loan I applied for was a XXXX XXXX XXXX loan it was denied for insufficient income ; i disputed it, at that time The home I had under contract ended up being XXXX XXXX. I disputed Navy Credit Unions decision for the amount of XXXX XXXX I got a denial letter stating they didnt receive my income. The next loan I applied for was the business line of credit ; I was denied for being an Outside Risk. Recently after being told I can apply again I've applied for an XXXX XXXX dollar auto refinance and was denied. I have an recording on the matter of me asking about being considered an Outside Risk. I will get the other dates and send them in.Thank you...
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-11
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. (TX)

these accounts is all unauthorized I NEVER RECOGNIZED this account PLEASE DELETE them all XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-04
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

these accounts is all unauthorized I NEVER RECOGNIZED this account PLEASE DELETE them all XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX