davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is unable to provide a process by which I am able to submit documents online to correct my first and last name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved. 
1. The experian.com/upload option does not work. The webpage has no elements to interact with as shown in the screenshot. 
2. My credit grantors have my updated first and last name. My active credit cards are in my correct name as well.
Consumer complaint received 2024-05-02
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. (NH)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, 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. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NJ)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2024-05-02
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. (GA)

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 2024-05-02
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. (MI)

Again, I was the victim of identity theft and this is my numerous request to Remove the information in my credit file resulted from an alleged identity Theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove Any Items. Ive already included this report in a previous letter & I am Including it again. Also, the information you provided on some item are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (UT)

I had unauthorized charges on my account both my joint acct with my husband and my personal account. Provisional credits were issued, and then they were taken back by the bank, with no notification all my funds were taken plus now the accounts are negative XXXX $ and the other XXXX XXXX $ and I'm being charged overdraft fees over and over again. I've tried talking to them about this firstly why the credits were reversed and was transferred around to 3 people waited on hold forever and then just told something about an ip address matching mine so they reversed it. My phone was stolen and being used via XXXX XXXX and XXXX XXXX  i believe. And then it turned up at my home. Someone close to me had it and used my account and then left it. Still do not know who it was and it possibly could have been my neice that lives with us and she is XXXX. So I'm not filing any police report yet until i figure out if it was her or my son. The charges were not authorized however and so i don't understand how they can do this. It's causing major hardship for my family and I.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Adjustment Company Incorporated (CA)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-02
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)

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 Account Name : XXXX XXXX XXXX Account XXXX : has violated my rights. Or a 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 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 2023-09-18
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. (LA)

Third time company Equifax is reporting incorrect status of my account. XXXX Account should be in an XXXX status. I have contact XXXX and they have sent XXXX forced reports to show account is OPEN & ACTIVE status. 

I requested Equifax to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. Equifax is INcorrect and not reporting accurately.
Consumer complaint received 2024-05-13
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. (AZ)

I am writing to contest the inclusion of this bankruptcy on my credit report. It's alarming because I possess a court letter clearly stating it should not be reported to you. Additionally, the involvement of an unauthorized third party adds to the ridiculousness of this situation.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MD)

The debt collector is out of state, beyond statute of limitations, is not the original creditor, and violated laws. Removed all false and misleading information immediately or face a class action lawsuit. No debt is owed and the amount is overstated and bogus. See attach
Consumer complaint received 2024-05-02
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. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXXXXXX & XXXX XXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Consumer complaint received 2024-05-02
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

Ally bank told me they are ending their relationship with me and closing my accounts, and gave no reasons as to why. They said they would send me a check with my remaining fund within 10 days. They never sent me anything. They basically stole my money. and it's been almost 2 months.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion credit report requested. File number XXXX, issued XX/XX/2023. Filed corrections with TransUnion and WA XXXX XXXX office. Some corrections made, however, payments made not reflected for years. Items and addresses are I as irate and my ability to obtain loans and financing are nearly impossible. Disclaimer at the end reads : wrote us back to request your original Social Security number and have that issued. I have gone to the social security XXXX office many times and never assigned a different number. This was assigned to me at an early age, XXXX. I want to seek damages from violators. XXXX party billing and collections are never ending and result in double billing, harassing phone calls, and many errors.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (FL)

The company is a 3rd party who brought the old account from XXXX and resubmitted it back to credit reporting up under my name like the account was freshly open up again it was in the credit reporting in XXXX it was closed and removed this company reported it up under a different name Lvnv funding LLC the credit was with XXXX XXXX XXXX this company that brought the paper work has my identity from XXXX XXXX XXXX  they bought out my file and put it back in as though it was a new account and it isnt and I went to court with them and the judge threw it out because it was a old account and they keep putting it back with XXXX XXXX and other reporting companies they are reporting to
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: U.S. BANCORP (MA)

XXXX XXXX sent me a letter saying that the report was prepared on XX/XX/XXXX After looking at the report it showed that someone opened an account with USBANK XXXX. The account Routing number shown in the report is # XXXX and the account number shown in the report is # XXXX. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This is a savings account. The document sent by XXXX XXXX shows my first and last name, my address, my social security my date of birth with is correct however the drivers license ID # XXXX provided to open the account is not my drivers license number. The ID State is MN which is not where I live. 

Upon reviewing the information I submitted a dispute and provided my two drivers license, one who was inspired and the current updated both with same ID number which does not correspond with the ID number on the report. 

On XX/XX/XXXX I received a letter from XXXX XXXX  saying that upon investigation based on the information I have provided the records was removed from my file and no further information existed on my records. 

On XX/XX/XXXX XXXX XXXX sent me a letter stating that they have proceeded with my request fir file discloser ad based on the information I have provided they have determined that I did not have a consumer file on their system. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating that a further investigation reviewed of the deleted information has resulted in the determination that the original information has been reinserted in my XXXX XXXX file. The letter also shares that the furnished of information contained in file many be contacted at : US BANK N.A. XXXX XXXX XXXX XXXX, WI XXXX with phone number XXXX I contacted XXXX XXXX asking why they have reentered information in my file after I showed that my drivers license is not the same people used to open the account. I also asked them to help me but they informed me that I needed to appeal again.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I was looking to refinance my home, and during the application they reviewed all three credit reporting agencies. They advised me of collection accounts on my credit and after careful review, I can confirm I have never done business with any of these companies. I cant get any info from the company because there is a password placed on each account. I have listed the accounts below and what I do know about them. 

XXXX ) XXXX XXXX XXXX {$3500.00} XXXX ) XXXX XXXX XXXX {$920.00} XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX ) XXXX XXXX  {$9000.00} XXXX ) XXXX XXXX  {$14000.00} I have never done business with these company this is keeping me for refinancing my home and pulling equity out to fix up my home. I had a tree fall on my house and i need to get a new roof, so thats the reason i applied for a heloc on my home but because of these accounts above, I cant.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc. (TX)

I made a XXXX. XXXX purchase on XX/XX/year>. The temporary hold amount was for {$120.00}. I only got part of the order delivered for the amount of {$65.00} then part of the order shipped to me for the amount of {$8.00} and then there was the driver tip for {$5.00} totalling {$79.00}. somehow everything got messed up and I was arguing with XXXX and b9 to get my refund for the difference between the temporary hold original amount and the final total. Somehow I ended up with 2 unauthorized pending XXXX charges which put me bank account negative {$45.00} so when I got my refunds finally then took the refund of {$47.00} to cover the negative money in my account and the other refund was for {$12.00}. I had already talked to b9 and they told me that my refund wouldn't be put towards the negative amount in my account since it's was only negative due to fraudulent XXXX charges but they did. Then they took my remaining {$12.00} from my refund from XXXX and Said it was for monthly account fees. I provided them proof that they had already taken {$18.00} and {$2.00} from my account this past week to cover the {$19.00} a month account fees. They still refuse to give me my money back
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (OK)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlas Collections Inc. (of New Castle) (IN)

Went to court made arrangements to pay {$40.00} a month {$20.00} for my debt {$20.00} for my wife 's debt. Have made payments with that arrangement since XXXX. Have requested that a statement with what we owed be mailed to me preferably with a breakdown of the debt because they have it all lumped together as one and we was wanting to try to pay off what we could as we could and wanted to verify we was not double paying any of the medical debt. We have requested this information several times and have always made sure that our address and phone number were updated and correct. Today XX/XX/XXXX of XXXX we received court summons saying that our wages were to be garnished that they sent orders of interrogatories to both of our employers. We have been making our arranged payments and they have not supplied the paperwork we have requested they have our information and have not tried to contact us as to any problems they decided to break our arrangement and go for a garnishment without us being aware of any problems. They did not contact us at all about the situation or say anything when we would call to make payments or request information I have bank statements and a copy of our agreement