davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I demand an immediate and thorough investigation into this matter. Why, after providing evidence, going through the dispute process, and supposedly resolving the issue with your bureau, does another fraudulent account appear on my credit report? This egregious oversight not only reflects a failure on your part to protect consumers but also demonstrates a severe lack of diligence in maintaining the integrity of credit reporting. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is utterly unacceptable that your bureau, entrusted with the responsibility of accurately reflecting consumers ' credit histories, would allow yet another fraudulent account to tarnish my credit report after I diligently followed the necessary steps to dispute and remove the previous fraudulent entries. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I insist that you promptly rectify this situation by removing the newly reported fraudulent account from my credit report and provide a comprehensive explanation for this blatant error. This occurrence is not only damaging to my creditworthiness but also indicative of a systemic failure within your organization. 
The continuous appearance of fraudulent accounts on my credit report leaves me with no choice but to question the competence and reliability of your bureau 's reporting practices. This negligence has severe consequences for consumers and undermines the very purpose of a credit reporting system.
Consumer complaint received 2023-12-06
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LoanCare, LLC (WA)

In XXXX and XXXX of XXXX  my mortgage payment was deemed as late. There was an error because funds never were taken out of my account.I had to call and tell responders to take money out of my account. And my payment was late XXXX months in a row because of this. 

Also in XXXX, XXXX, and XXXX of XXXX  this happened again. So I moved payments to another account. Because of this ongoing issue.
Consumer complaint received 2023-12-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-28
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. (FL)

I am submitting this request to the credit bureaus hat the following accounts which I believe appearing to be erroneous and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX 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 2023-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

Navient has repeatedly called and harassed my family, my nieces ( who were not even born when I started college ), and ex 's people I have not seen or heard from for 30 years or more. These people do no know my business. and calling my ex just places me in danger. i had a Income driven plan with them and they did not recertify me after 3 years. When I asked why I got no reply. They wanted me to pay them more than my monthly income. I am now retired XXXX on a fixed income. They have MY phone number they will not work with me. I am being harassed and I have complained about this before. When they called my ex husband. they are NOT working with me on this situation and after paying on time with the IDP THEY CANCELLED IT NOT ME.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (MO)

Several disputes were filed in error by moneylion in which they deducted {$200.00} from my XXXX XXXX account for no reason causing it to go negative. I didn't file any disputes that they're referring to and my money is now missing. I keep getting the same generic response with no information no one can help I don't have my money my account is negative this is absolutely the worst experience
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TrasUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2023-12-21
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. (AZ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (SC)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. During the verification call from Santander, the loan servicer, I stated that I did not authorize any add-ons, such as an extended warranty or protection package. However, a few hours later, the loan servicer informed me that a tire and wheel package, costing {$1400.00}, was included in my loan. I neither requested this tire and wheel package, was informed of its inclusion, nor recall seeing any document outlining its terms or warranties. Upon further inspection of the paperwork, I discovered that page 2 out of 5 of the uniform selling contract ( XXXX ) XXXX which itemizes all costs, is missing from my records and seems to have been intentionally omitted. This missing page is critical as it should disclose all costs associated with the purchase. After realizing the issue, I immediately contacted the finance office at XXXX XXXX. I spoke with someone who promised they would call me back by the end of the day, but I never received such a call. I left another voicemail around XXXX XXXX  but have not received a response. I believe the inclusion of this {$1400.00} charge without my knowledge or consent, coupled with the missing page from the contract, indicates deceptive and fraudulent practices by XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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. (NY)

Investigation Request Letter To Whom It May Concern : I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of the account XXXX XXXX Reported on TransUnion and XXXX Account Number XXXX XXXX The Account was started under A business tax id and they logged it under my Social Security without my consent. And also the report is wrong. 

I need this deleted from TransUnion And XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2023-12-21
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have dispute fraudulent information through XXXX, XXXX and Equifax for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have called and have sent certified letters to all XXXX credit agencies letting them know that the addresses are not complete. They are in all XXXX agencies abbreviated or incomplete. According to the FAIR CREDIT ACT all information needs to be precise and exact no abbreviations are permitted.
Consumer complaint received 2023-12-21
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-21
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. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, please delete all other addresses on my report besides XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas. only XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX.
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (CA)

After placing my home up for sale, I was notified that my property has a default judgment lien that was filed in XXXX by the XXXX XXXX XXXX a law firm/debt collector. The default judgment was obtained by fraud upon the court by filing a defective proof of service. 
Based on information obtained from an associate of XXXX XXXX XXXX the date of personal service was made on XX/XX/XXXX to a male at my address, and a default judgment requested on XX/XX/XXXX. I have undisputable evidence, that from XX/XX/XXXX until XX/XX/XXXX my XXXX XXXX XXXX son and I were in XXXX Colorado taking care of my XXXX mother, and the only person that would have been at my home on the date of service would have been my sister who was watering our house plants. Based on these dates, it is impossible for me to have been served court documents. I have researched this law firm and find this to be a normal practice, submitting defective proofs of service, and obtaining default judgments. 
There have been many civil suits filed against this firm, only to be dismissed based on the plaintiff 's lack of knowledge of the law, giving XXXX XXXX XXXX XXXX XXXX for dismissal.
Consumer complaint received 2023-12-21
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (MD)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (FL)

Received a letter stating they needed to get into contact about my late grandmother 's account. They refused to identify any debts and harassed my family members in an attempt to collect money from someone who has been dead for over 2 yrs. My grandmother was XXXX and had nothing in her name, no estate to collect from, and this was explained repeatedly to the person identified as " XXXX or XXXX. '' They could not or would not identify which companies if any were attempting to collect a debt and would not listen to any requests for more info. These people are scam artists trying to harass surviving members into paying debts which do not belong to them. I hope they get sued.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached
Consumer complaint received 2023-12-21
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. (KS)

i have sent letters to both the debt collection company as well as the reporting agencies. neither company has responded providing information requested. cease and desist has also been ignored as the information has continued to be reported, having negative effects on my report. within my attempts at resolution, i have also challenged wether the data meets compliance standards. why is this data not being reported to all major credit reporting agencies? the information needs to be deleted and i feel that remedy from the effects of the violations is necessary from all parties invloved.