davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I have recieved my Copy B form from my 1099C cancelation of debt for XXXX XXXX loans. Amount of debt canceled and forgiven of {$13000.00} at the time it was along with any update amount showing now. As well as another Copy B form i have recieved for XXXX XXXX XXXXXXXX XXXX XXXX account. Form 1099C cancelation of debt to be properly updated on my experian credit score as paided as agreed as the debt was also canceled and forgiven. Both 1099C forms i will attach to this compliant for my XXXX loan and car loan account to be properly reflected and finilized for my Experian credit report and XXXX as shown.
Consumer complaint received 2021-02-16
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: AES/PHEAA (TX)

I received my credit report from XXXX  and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (NY)

On XX/XX/year>, I contacted M & T Bank to close an account I did not open. I requested information on when the account was opened, what information was used to open it and other identifying information. They would not release any information to me. I asked them to send me confirmation that they had closed the account they refused. I am still receiving information about an account that is still open after I requested that they close it.
Consumer complaint received 2024-05-26
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. (MO)

XXXX XXXX XXXX  XXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-02-16
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX 3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2024-07-08
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-25
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. (NM)

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 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

I am requesting a settlement agreement with Wells Fargo Credit Card Services. Many interest charges and prior disputed charges are not mine/ fraudulent and was denied in past disputes when reported. This collection account and past due charges, is definitely damaging and hurting my credit report and is hurting my chances for applications in reference to credit with other companies in the future. Please consider a monthly installment plan deducting/ reversing all late fees and interest that accumulated since the opening of this credit card. I am requesting for a agreement document for this requested settlement amount and also deletion of this account to all 3 credit bureaus, once payment is satisfied. In order for this agreement to take place. I am unable to make a one or 2 time payment. So please consider a monthly agreement settlement amount until this balance is paid. Please send documents to the confirmed address you have on file or associated with this complaint.
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (TN)

I have disputed this account on several occasions. However it is still reporting as a resolved dispute and verified account. The credit reporting agencies are reporting inaccuracies. This account is a violation of my federally protected consumer rights. I looked on my XXXX credit report and noticed some things not accurate. According to the Fair Credit Reporting Act. I have requested verification of information obtain to list alleged account as verified. According to 15 USC1681 s-2 they are suppose to do this. After any information disputed by a consumer the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify items as appropriate based on results of investigation. No information was provided by agency to verify results of investigation as requested.
Consumer complaint received 2022-10-26
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts 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
Consumer complaint received 2024-08-03
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. (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 2024-05-25
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. (NC)

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 2024-05-26
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: EQUIFAX, INC. (MS)

I have several hard inquiries on my credit report I did not make neither did I authorize those hard inquires. I have disputed these items several times and Equifax refuses to do anything about this situation. this situation needs to be resolved
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (MD)

Given the highest rate possible on a XXXX car loan. ( Truist Bank ) Credit score-XXXX  Debt-only a mortgage-XXXX  per month Take home pay monthlyXXXX When I complained, I was told-go find a better rate.
Consumer complaint received 2024-05-25
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. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-25
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
DPT ED/XXXX XXXX Balance Owed : {$3600.00} DPT ED/XXXX XXXX Balance Owed : {$5000.00} DPT ED/XXXX XXXX Balance Owed : {$2400.00} DPT EDXXXX XXXX Balance Owed : {$530.00} DPT EDXXXX XXXX Balance Owed : {$780.00} DPT EDXXXX XXXX Owed : {$2000.00} DPT ED/XXXX XXXX Balance Owed : {$1800.00} DPT EDXXXX XXXX Balance Owed : {$960.00} DPT EDXXXX XXXX Balance Owed : {$300.00} DPT ED/XXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : XXXX
Consumer complaint received 2024-05-25
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)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (NJ)

In XX/XX/year> I have paid off my loan to loancare closing on the sale of the property. 2 checks were made out to Loancare ; # XXXX XXXX and # XXXX XXXX for a total amount of XXXX as per the payoff statement. These payments were suppose to cover 2 principals. The first was for loancare at the amount of XXXX. The second was for HUD XXXX with XXXX added with fees of XXXX. 
It appears Loancare did not pay HUD their amount and not a year later that amount XXXX is now part of debt collections with Department of Treasury. This has messed up my credit, and also debt is probably reaching more than XXXX with added daily interest. I have been contacting Loancare but they keep saying they are researching. This has a significant detrimental impact on me for something the Loancare should have paid off as they had the funds.
Consumer complaint received 2023-12-15
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. (AZ)

Per the FCRA as a Federally Protected Consumer I am now Opting Out of Any and All Authorization I the Consumer may have given said ( CEO 's ) and ( CFO 's ) Written/Unwritten, Verbal and Non-verbal 15 USC 6802-6805 , Privacy Act 1974. 

Amounts listed in uploaded documents.
Consumer complaint received 2024-05-25
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)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc. (GA)

The amount of the loans I don't know what they are I overheard when the XXXX had the XXXX XXXX recording this whole conversation that the transaction of the loan that the person was taking out as I was on my credit report after XXXX XXXX XXXX XXXX on hold to wait for the IRS to answer the phone for XXXX XXXX XXXX XXXX XXXX to call dropped XXXX XXXX XXXX XXXX XXXX I called after I called back the answer then they told me that there was someone or I was taking out a loan as I was reporting to them that someone was destroying my credit as they noticed there were XXXX dots on the GPS of the satellite of the longitude and latitude of the address where I was at they seen that I was telling the truth and they told me I had only a few minutes to hurry to that other dot or that geological location of the satellite pinpointing the person that was stealing and using my credit to get a loan out which they made a joint account a third party thing up under my account without my knowledge but what they did was they used a XXXX XXXX which was XXXX XXXX XXXX it had no name on it that's what the IRS said and it had the logos that they were sending from the IRS symbol the logo on the papers with the XXXX XXXX XXXX the woman stated that on the phone and then the credit people was also saying that if I hadn't took it out if it wasn't me that who done all this that I was going to be XXXX they said it went back years back like XXXX or XXXX years and come to find out it went back all the way to XXXX that's how long this person has been stealing my credit I reported this to you guys before and now I'm still here in the same predicament but more loans has been taken out but I can't even do anything with my credit the person has to use my credit to build their credit it's stating all over my credit reports he's been breaking into my room still in my paperwork he also burned the financial consumers credit report that you guys sent me the same day I got it in the mail was the same day he snuck back into the house and got it off the shelf which I have a eye witness she read the dog on report what he had done her name is XXXX XXXX and when he seen that I wasn't playing about my credit he has been going I heard he has been to XXXX the same day I called XXXX XXXX XXXX I talked to him on the phone he said he was going to talk to XXXX XXXX XXXX XXXX my cousin the one who was has been stealing my credit for over I don't know what XXXX XXXX XXXX XXXX years and he said he was going to see what XXXX had to say prior to that and me waiting on XXXX XXXX XXXX XXXX to call me back no call so I'm like what's going on XXXX hours later I called my cousin and I said hey where are you I need you to take me to the grocery store oh I'm just coming back from XXXX I'm trying to hurry and get back and I was like XXXX  what are you doing in XXXX come to find out I remember the FCC telling me that's where you go to dispute credits I'll say so I hope you ain't doing what I think you doing