davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Recently, did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy ei report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am writing to bring to your immediate attention a matter of utmost urgency regarding fraudulent entries on my credit report resulting from identity theft. Upon recent review, I have discovered unauthorized accounts and transactions that have negatively impacted my credit history. I am requesting your immediate and aggressive assistance in removing these fraudulent entries promptly. 

Given the severity of this situation, I urgently request an aggressive investigation into this matter and insist on the immediate removal of the fraudulent entries from my credit report. Identity theft poses a significant threat to my financial well-being, and it is imperative that my credit history accurately reflects my true financial standing. 

XXXX XXXXXXXX - FRAUD XXXX PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

Please provide written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. If additional information is needed or if there are specific steps I need to follow, please advise me promptly. 

Thank you for your prompt assistance, and I trust that you will take aggressive action to rectify this situation as quickly as possible.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX  is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally XXXX had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. XXXX  then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX {$670.00} ) itself, but because XXXX  dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?
Consumer complaint received 2024-05-25
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)

Credit beraus have in my credit report acount, information of my XXXX XXXX They are confusing me with him and are putting all this debts, auto loan, XXXXollectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all this things that are showing on my report belong to my XXXX XXXX and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I have previously disputed XXXX XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXXXXXX The following accounts do belong to me, however the dates for the lates are incorrect. 
DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX
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. (LA)

I sent dispute letters XX/XX/2024 and XX/XX/2024 and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
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. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

A couple of years ago specifically some time in XX/XX/XXXX disputed an account which was inaccurately being reported on my XXXX report. After not 1 but 2 disputes XXXX removed the XXXX XXXX XXXX account from my report. I also use Experian for additional credit monitoring services as well as XXXX XXXX. Both companies Experian and XXXX XXXX has the XXXX XXXX XXXX account reporting and negatively affecting my XXXX XXXX. I contacted both companies and even filed a complaint against Experian for reporting the account as it is not listed on my XXXX report. I came to the realization that both Experian and XXXX XXXX are reporting information provided directly through XXXX. My problem stems from XXXX 's inability and/or unwillingness to correct the problem. Upon speaking with numerous customer service representatives XXXX XXXXXXXX I am being repeatedly told because the account is not listed on my report with them there is no recourse. I just need someone to explain to me how to correct this error. I have both XXXX XXXX and Experian saying they're only reporting information provided by XXXX and XXXX denying culpability saying they can not report an account that is not in my credit file.
Consumer complaint received 2023-12-14
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-05-25
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. (MI)

Credit reporting agency, Experian is in non-compliance with proper investigations into active disputes. The company has verified accounts with XXXX after being provided with documentation/proof that their is no debt of the accounts and that the accounts are not in collections. Experian has received all notices and pursuant to the FCRA HAVE NOT done there job on maintaining the accuracy of a consumer report.. The credit reporting agency has for months verified information to my consumer report without providing whom they spoke with, the name of the person and etc. They have not looked at all verifying information sent in to their company to help the investigation. I have advised Experian on different occasions that the reporting collection agency is XXXX and not XXXX this is inaccurate information and must be removed. The collection Agency, XXXX does not report to collection agencies and that XXXX is reporting and should not be as they no longer have the account. Experian has not done anything. I am filing a lawsuit for company, Experian for their false and misleading practices of them providing services pursuant with the FCRA on reporting the accuracy of a consumer report. Experian has received information in other CFPB complaints as advised attaching the information to the dispute, but in my belief they have not looked at the supporting documentation all which shows proof of the inaccurate reporting of the accounts.
Consumer complaint received 2024-08-29
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>, HAS VIOLATED MY RIGHTS I looked at my 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 1681i-5 they are suppose to do this 9 Treatment of inaccurate or unverifiable information ( A ) In generals, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose 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 inaccurate.
Consumer complaint received 2024-05-25
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Received a letter from XXXX on XX/XX/year>, stated I have a {$7300.00} original from XXXX XXXX XXXX XXXX. I have no knowledge of this account and debit. XXXX has no information on this account or the debit also.
Consumer complaint received 2024-08-03
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)

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 : XXXX XXXX  : Account XXXX : Balance : {$7800.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3800.00} Account Name : XXXX XXXX : Account XXXX XXXX XXXX : Balance : {$6300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX CARD : Account Number : XXXX : Balance : {$3900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$4400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 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 2024-05-24
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)

Yesterday, I pulled my 3 bureau credit report and discovered that I was a victim of ID Theft. I just obtained my ID Theft Police Report from my local police department. 
Below are the fraudulent collection accounts that I am disputing to XXXX permanently deleted from my 3 bureau credit report : XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX - Reporting on 3 of my credit bureau 's XXXX. XXXX XXXX XXXX - Account Number : XXXX - XXXX - Reporting on just Experian
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (TN)

On XX/XX/23 I authorize payment of XXXX with Zwicker & Associates. But on that Friday they refused to except the payment amount I agreed to pay by XX/XX/23 It was supposed to come out from my bank. But that did not happen, I spoke to my bank and they couldn't see if a withdrawal was attempted. Later on ZWICKERPC.COM I tried to make that payment online, but on Zwicker payment system, I saw a different amount then what I agreed to and they also agreed. Now I see a amount around XXXX and this is a lot different from our agreement. I also have a letter from Zwicker saying that they are authorized to relive me of the decovery card dept ... .I feel that are committing astortion, and I know that is a crime.
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. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IN)

I detected XXXX XXXX  fraud on my bank statement. I contacted Well Fargo, and the were supposed to check into the matter. They informed me that it was not fraud. So, I personally called XXXX XXXX myself and was told by XXXX XXXX on XX/XX/2023, by XXXX that Wells Fargo was paid 2 separate payments the first being on XXXX and XXXX XXXX for the total amount of {$420.00}. It was reversed off of my account by XXXX XXXX and credited to the Wells Fargo credit card. Wells Fargo gain applied the charges back on my credit card and said it was not fraud that I owed the amount. So, I feel Wells Fargo double dipped by keeping what XXXX XXXX paid and making me also pay on my card.