davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-08
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. (IN)

A bankruptcy was inaccurately reported on all 3 credit bureau reports, after disputing several times it was finally removed by one, both my Experian and XXXX credit reports have continued to show the bankruptcy regardless of agreeing that the information was in fact reported incorrect for over XXXX, now XXXX  years. XXXX momentarily removed it, only to add it again, requiring me to submit yet another dispute. Because bankruptcies are so hard to dispute with any bureau, they first repeatedly declined my disputes, regardless of the dates, court, and filing number being incorrect, relying solely on XXXXXXXX XXXX and not the factual information provided by the state of Indiana. I have worked so hard to rebuild my credit and these are fights that they refuse to legally partake in, resulting in XXXX years of harmful credit damage.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX of this year, I notified Experian through Mail Communications about an Authorized User Account being reported to my consumer Report that does not belong to me, which has damaged my reputation. I, The consumer never gave Experian any Authorization to Report this Account & I attached an FTC report to the Letter as evidence of fraud.

Despite this, through Email Communications, Experian Illegally Declined my Request to Block and remove this Account on XX/XX/XXXX without providing any proof of investigation. I warned them that their actions would lead me to file a report via the CFPB. XXXX month later & they have failed to comply with federal law and is still reporting the same fraudulent account, causing further damage. 

Their negligence has caused me stress, XXXX, and hardship, and is eroding my trust in the Banking/Credit system.
Consumer complaint received 2023-09-20
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
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'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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I was wondering why I couldn't afford even a slight help from a psychiatrist but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

XX/XX/2019 I received two bills from Macys. one was regular statement the other was for an XXXX XXXX So I called and found out they transfered me to an XXXX  without my knowing it and said they sent me a letter. I never received a lettering stating this. I ask to have my Macys credit card that I've had for forty six years and they said no sorry we cant do anything about it cuz the letter stated this was going to have this happen. I DO NOT WANT AN XXXX. They said too bad it can not be reversed even thou I didnt know anything about it.Why should they be able to convert my card to an XXXX if I didnt want that. Macys is my card of choice.I view this as fraudulent practice. I never signed anything or saw anything about this. I just want my Macys card back! 
account # XXXX is my Macys  account # XXXX XXXX is XXXX I do not even like XXXX XXXX why should I be forced to take a credit card I never applied for?
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (DC)

I have a XXXX account with TD Bank. I made a purchase at the end of XXXX. TD Bank already had all my info from previous purchases. The prompt in my account said that RECURRING PAYMENTS were activated. HOWEVER, TD BANK 's policy is to de-activate, on their end, recurring payments if the account had NOT been used in a while. As I had not used it since 2022, I didn't know this. As a result, they did NOT take the payment neither in XXXX NOR XXXX, charging me late fees for both months, in spite of having my checking account information on file and my authorization to charge. When I complained about it, they removed the late fee for XXXX ( {$40.00} ), but refused to waive the fee for XXXX ( {$29.00} ). They NEVER sent an email statement nor any notice saying that the payments were late, nor tried to collect. If I wasn't on top of this issue, I would have ended up paying many more late fees. 

While the amount is small, as a person that works in XXXX myself I feel that TD Bank is taking advantage of their customers, unilaterally changing their collection systems, NOT informing them of any changes, and then refusing to return fees even when it's shown that it's their fault, not to mention any potential harm this might have caused to my credit score.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-09-20
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. (MN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Legal Action Bureau Inc (NY)

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.

LEGAL ACTION BUREAU has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

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

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-08
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 contacted Experian XX/XX/XXXX about a despite for and account that should have been closed since its been seven years and it should have fallen off my credit this year. Then I checked and its saying XXXX. The account was opened in XX/XX/XXXX. Statute of limitations states credit card debt is supposed to fall off your credit after 5 years in Illinois. its been 7 and I dont agree with Experian not removing it.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST PORTFOLIO SERVICING INC (FL)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2024-04-10
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)

I am reaching out to inform you that I have been a victim of XXXX XXXX. Please consider this letter as a formal dispute regarding the following accounts. I have already contacted all the companies directly and followed the necessary steps to address this issue. Additionally, I have filed an identity theft report with the FTC and have reached out to each company to dispute the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2024-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC (GA)

I DONT KNOW THESE PEOPLE I MADE A COMPLAINT ABOUT ANOTHER COMPANY THAT I DONT NO NOW HERE ARE AGAIN WITH THE SAME THING I NO NOTHING OF I NEVER HAD A CONTRACT OR WRITTEN OR VERBAL AGREEMENT WITH THEM OR ANYONE ELSE PLEASE LEAVE ME ALONE IM A XXXX XXXX XXXX THSTS LIVING FROM PILLOW TO POST PLEASE LEAVE ME BE
Consumer complaint received 2024-06-07
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. (FL)

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy XXXX states they verified it but I sent XXXX a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (AR)

On XX/XX/XXXX, I received notification that my consumer report was updated with a collections account. It stated that I have an open balance of {$190.00} that has been placed for collections. I previously thought this was a mistake and figured the collector would realized their error and would update inaccurate information. To my surprise three months later, after reviewing my consumer report for any inconsistencies I notice that not only was the inaccurate account still reporting, I noticed that the Original Creditor was AT & T ( well I suppose that is who the stated name was meant to " spell out '' ). Instead the name read " XXXX AT T ''. 

I have previously disputed this same account with XXXX XXXX XXXX for {$190.00} with the CFPB back on XX/XX/XXXX. Now since that dispute has been rectified and closed out, Credence Resource Management now attempts to collect a Verified alleged debt. I upset that I am continued to be harassed and abused with such false allegations directed to my consumer character, and credit worthiness. These tactics are absurd and inexcusable.
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is a complaint against Experian, this complaint is because I sent all the supporting documents of the identity theft and they have not yet deleted the account that was opened without my authorization. The law is supposed to say that if an account was opened under fraud, the credit agency must block the information and Experian has not done its job, I sent the dispute and they do not take XXXX minutes to give a response or even evaluate the dispute..
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-10-30
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. (MI)

XXXX I received your recently letter. XXXX your contract to service the U.S. Department of Education XXXX loans do not start until after a date in XX/XX/XXXX. 
Currently XXXX can only process XXXX claims of federal XXXX loans for the U.S. Department of Education. XXXX I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. XXXX consider that as the last letter you send me. XXXX you stole my identity. XXXX your employer the real U.S. Department of Education wrote you to Terminated the federal XXXX Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal XXXX loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education XXXX The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of XXXX loans website for electronic signatures, etc. Many federal XXXX loans FFLE loans the government are still collecting on no mattter of the amount. XXXX remove yourself of my credit reports immediately. XXXX you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. XXXX your in violation of the Fair Credit Reporting Act. XXXX any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that XXXX sent in to open this XXXX  loan in my identity and if the CRA can not tell my why> XXXX CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. XXXX I AM NOT GOING TO PAY YOU AN XXXX.