davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX
Consumer complaint received 2024-05-21
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. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (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 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (MO)

On XX/XX/XXXX, I agreed to have a background check with Sterling Talent Solution. This was a requirement as I just got hired with XXXX XXXX. At XXXX, I received an email confirming that my background check was complete. Under DOJ XXXX XXXX XXXX, my result was XXXX XXXX. According to the New York XXXX XXXX XXXX XXXX XXXX XXXX, a Level XXXX XXXX XXXX  is someone who is an offender that is at low risk of repeating the offense. 
After I found this out, I immediately called the company asking to dispute the claim. I have never been accused, convicted, or gone to court for anything of this matter. They said there was nothing that I could do because the report was done. After that call, I made numerous calls to see if this report had any actual truth. 
After speaking with the Department of Justice XXXX XXXX XXXX, they told me that I am not and never have been on their registry. They furthermore explained to me that two errors could have occurred. One : The information was entered incorrectly. XXXXwo : There was an error in the footnotes. They directed me towards the XXXX XXXX XXXX registry to prove to them that I was not on the database. 
I called Sterling Talent Solution again and emailed the documentation that displayed that I was not on the XXXX XXXX XXXX  and had the confirmation confirmed by the Department of Justice. They claimed that as the report was already done ; there was still nothing I could do. No editing to my report or second report done. 
For this reason, I feel my Fair Credit Reporting Act rights has been violated. After closely examining my background check, it confirmed that my rights was guaranteed by FCRA. More specifically, the right to dispute and correct inaccurate information, and their legal responsibility to investigate claims made against my report. They have been negligent and refuse to investigate the claim made against me even though I have provided sufficient proof. 
Today, XX/XX/XXXX, they claimed that no error was made on my report in an email. They said that the XXXX XXXX was meaningless, but no employee told me that after the numerous calls I had with them. I feel the only reason they said that is I said I was talking with my legal counseling to see what my options were. My job that I beat dozens of candidates to get is now being called into question over this. I am upset that they could care less that a faulty report is costing me an amazing job.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Do you know or have any idea how XXXX  it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is showing tow different things. One thing on XXXX XXXX and another thing on My equifax.com. I will include the pictures of both reports. On XXXX XXXX is shows that it is currently reporting as late and its has XXXX months of late history as of XX/XX/XXXX. The account is with XXXX XXXX and it is a closed account that has been charged off since late XXXX and early XXXX. 

On myequifax.com it shows a 60 day late on XXXX of XXXX but was current for XXXX of XXXX. It jumped from being current to being late which is reporting inaccurately. It should have reported 30 days late first then 60 which is inaccurate. The account was charged out at XXXX months and shows XXXX dys when it should have showed 180 days in XXXX. 

I have included screenshots of both reporting. 

dispute confirmation number : XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

I returned to school from XXXX. I was on an IBR with {$0.00} payments. I specifically asked XXXX XXXX to remove the in-school deferment because I was working towards PSLF. XXXX XXXX did not remove the deferment causing me to lose 2 years of payments. I worked full-time 40 hours per week in an extremely difficult public service position while attending school. Being that my payments were {$0.00} on IBR prior to this automatic deferment that I never asked for and furthermore asked to be taken off why would this happen. PSLF states 10-years of public service. I dont think as someone who has read and kept up with PSLF guidelines & done my part should be punished for improper handling of my request by the servicer. I have been trying hard to get this fixed and I have a complaint that has been in review with student aid for about a year. My payments were {$0.00}, I think its highly unethical that I was placed in an automatic deferment to begin with. Then they make all these changes and exclude in-school deferments after the servicers didnt properly do their job. Ive been trying to get his fixed for years, and for years I have been getting the run around.
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. (CA)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$7000.00} -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance XXXX : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XX/XX/year> -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3700.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$7000.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-21
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. (GA)

These accounts are Inacourate and I`m seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that. I received to 15 USC 1681n & 15 USC 1692k.
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (WA)

I sent XXXX friends in XXXX ( hurricane victims who lost food shelter ) {$300.00} and {$200.00} on XX/XX/XXXX through Skrill. I funded the Skrill Account then sent the money. The first transaction went through {$300.00} but the next one {$200.00} failed and my account was restricted and neither recipient received the money. I called and emailed Skrill and received no help. Skrill is a fraud.
Consumer complaint received 2024-05-21
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. (GA)

Recently I looked at my credit report, and I noticed some incorrect inaccuracies with one of my accounts. This account is reporting as paid, collection/chargeoff, and unpaid balance. That's completely false. This account was paid off in full.This incorrect information is severely hurting my credit score, and my ability to obtain new credit.
Consumer complaint received 2023-12-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Previously sent in identity theft form to equifax. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC report
Consumer complaint received 2024-05-21
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. (GA)

Recently I looked at my credit report and I noticed several inaccuracies on one of my accounts. This account is reporting inaccurate Information. This account is reporting as a charge off with multiple late payments. I was never late making a payment on this account. This also is reporting paid and derogatory, with different dates XX/XX/2022, and XX/XX/2022, for dates opened. I need this account deleted from my credit report expeditiously. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I just recently looked at my credit report on XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. I have also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XX/XX/XXXX Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 

XXXX. XXXX XXXX XX/XX/XXXX . Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 

XXXX. XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ). 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because it does not have permissible purpose ( 15 USC 1681B ).
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX auto loan is still reporting as a closed account but many months that were past due. During the XXXX  XXXX pandemic, I entered into an agreement per the federal and XXXX  XXXX that allowed for a payment readjustment during the emergency. XXXX  per law agreed to the adjustment. 

Once the pandemic period was over, XXXX re updated all the old late payments. They violated the agreement that we had in place. 

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes. 

Please remove from my credit report per XXXX Payment Agreement that you didn't honor
Consumer complaint received 2024-07-29
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXX {$1800.00}, and XXXX XXXX {$2100.00}
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX Called Capital One. Agent ID XXXX was able to confirm that a debt with them was settled in XXXX. I have the CC # on file now. 

XX/XX/XXXX Shortly after the call, I got a " New Account Notice '' email from Secured Access Solutions to log into my account. I did not click on the link. 

XX/XX/XXXX XXXX Received multiple calls. When I tried to explain that the credit card was closed and CapitalOne suffered a data breach in XXXX. I asked them to provide proof of the debt and they told me that by the time they reach this point they don't have that sort of information, the person interrupted and continued to rudely say " stop talking '' in an intimidating manner. 

Date unknown : I received a suspicious call trying to collect a debt from a Capital One credit card. When I told them I needed proof they sent me an email with an amount due and no other information. I was told that " The Director '' would call me when I got back from lunch. I received no further communication and deleted the email as I always do with phishing attempts.