davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-05
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, North Carolina XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX Equifax and XXXX Subject : Request to Opt-Out of Reporting Process Dear XXXX, I am writing to formally request that you opt me out of your reporting process in accordance with the provisions outlined in the following laws : 15 USC 6508, 15 USC 6081 , 15 USC 6802 , 15 USC 6805 , 15 USC 1681 , and 16 CFR 313 and 313.7, as well as The Privacy Act of 1974.

As a consumer, I understand my rights under these statutes, which provide me with the ability to control how my personal information is used and reported. I request that you cease reporting my personal credit information to third parties and take all necessary steps to ensure that my data is not shared without my explicit consent.

Please confirm receipt of this request and inform me of any actions taken to process my opt-out request. Additionally, I would appreciate it if you could provide me with a written acknowledgment of this request and any relevant details regarding your procedures for opting out of your reporting process. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  sold this account number on XX/XX/XXXX  even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (VA)

While I have been in the process of getting qualified to purchase my home, an account was brought to my attention by a XXXX XXXX that was showing on my credit report. 

The account was added in XXXXXXXX XXXX XXXX without my knowledge or consent. In fact, the individual who added me as an XXXX XXXX onto this account has received XXXX XXXX requesting the exact opposite. In fact, I have recently initiated XXXX XXXX  against the individual for other reasons. 

The company, Elan Financial Services, was contacted by me on XXXX  XX/XX/XXXX. I requested access to be able to view the account XXXX through XXXX XXXX and the representative would not give me access. I am not sure why I was unable to receive this access upon review of the full policy and terms of agreement for the XXXX XXXX XXXX, I should have been able to request access or information. 

This has been taxing my report heavily, showing I am XXXX XXXXXXXX in debt that is not mine. Please expedite and investigate this matter to the fullest extent.
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: Experian Information Solutions Inc. (WI)

Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX  # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : 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. Any other adverse item of the 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CT)

This debt from credit resource management for XXXX they claim I opened in XXXX of XXXX is not correct this debt is more than XXXX years open and has reappeared. It was not on my report I purchased my home in XXXX
Consumer complaint received 2023-10-30
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. (AZ)

In XXXX I took 3 loans with XXXX so that my daughter could go to college, I paid these loans for 17 years finished paying all 3 loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my XXXX bills as can be seen in the attached XXXX screen shots. I also have a copy of all my payments!
Consumer complaint received 2024-08-07
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. (FL)

I have reached out to Experian on multiple occasions, via phone, mail, cfpb etc to no avail and have yet to get my issue resolved. The list of negative items have yet to be removed even in providing the necessary documents requested of me! This is not right and If not expedited I will be suing for monetary relief as well.
Consumer complaint received 2024-06-01
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. (GA)

I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified.

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries by UCC-11.

Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

My wife just filed a complaint to you earlier today. This complaint is about the same thing. Transworld Systems is reporting a fraudulent account on my credit report. It is an account which was opened illegally, and I have nothing to do with it. Just like my wife, I signed a fraud affidavit and made a Sherrif 's report. I submitted them to the collectors and credit bureaus to let them know I was a victim of fraud. Like my wife, all accounts were removed from my credit report in XXXX. Again, like my wife, XXXX XXXX XXXX reassigned a fraud account to Transworld Systems in XXXX. We have never lived in XXXX  or anywhere else than XXXX and XXXX. Transworld Systems and XXXX XXXX XXXX need to delete this fraud account from my report as well as my wife 's or we will both sue them.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed I hadnt received my package after it was said to be delivered I called the customer service at Capital One to dispute the charge because the company refused to help stating sales are final. Capital One provided a provisional credit until the investigation had been completed. Upon completion of the investigation the bank ruled against me & my account was overdrafted over XXXX dollars. I am now attempting to open an account with a credit union years later but this prior transaction is impeding the process. I called Capital One to retrieve information on said dispute. Upon receiving the information on the investigation, there is nothing that proves I have received the package & the investigation says that the package was left in a mailroom of an apartment complex I was living in at the time in XXXX XXXX. The apartment complex has over XXXX units but only shared XXXX mailroom. Now Capital One is insisting that I received the package & is refusing to reverse the issue even though I never physically received the package.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX SSN # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Hi to whom this matter may concern. I recently pulled my credit report and discovered some errors reporting on my credit report. 

Please DELETE the following accounts listed below immediately. 

Ive included my experian credit report as reference. 

Please see attached credit report. 

The following accounts listed below are all in error. 

Please Delete charge/off XXXX XXXXXXXX because it is a closed account reflecting a balance of {$2900.00}. 
Please Delete collection account XXXX XXXX because it is a reaged collection account. Reaged. XX/XX/XXXX. 


As you know, the The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I really look forward to seeing that this matter be handled amicably. 

Thanks! 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX FL, XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp. (GA)

XX/XX/XXXX I sent world Omni financial corporation a XXXX sent to me from XXXX XXXX XXXX XXXX and my security of indebtedness stamped and endorsed to properly discharge of the debt and to deposit my security into my Treasury direct account. Per their indentured agreement with the security exchange commission dated XX/XX/year> and signed by their vice president XXXX XXXX they have agreed to not transfer Retained notes. Yet they have transferred these notes anyway, and any principal, interest, and all monies to XXXX bank national as their indentured trustee to deposit into a trust account per the granting clause of their indentured agreement. By doing this world Omni has acted in bad faith and defaulted on the loan as stated in section XXXX of their indentured agreement. The contract also states in section XXXX if an event of default should occur and be continuing the and in every such case the indentured trustee or the holders of Notes representing at least a majority of the outstanding amount of the controlling securities may declare all notes to be IMMEDIATELY due and Payable. By a notice in writing to the issuing entity ( and to the indentured trustee if given by noteholders ) and upon any such declaration the unpaid principal amount of such notes together with accrued and unpaid interest Theron through the date of acceleration shall become immediately due and payable. I have spoken numerous times with XXXX XXXX and XXXX XXXX of their XXXX XXXX and they continue to deny me redemption and blatantly hang up in my face though I am the rightful Holder of this Retained Note. I have also contacted the indentured trustee XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX illinois and he continues to block my calls. World Omni financial has no way of contacting their deerbeach Florida branch though their XXXX customer service branches in XXXX XXXX XXXX seem to believe they are above the law. Today I faxed my Security of indebtedness and XXXX to them stamped and endorsed and XXXX denied me my cusip number and blatantly acted as if she didnt see the certificate and has hung up in my face XXXX times. I will be going to the highest of means to get this resolved since world Omni financial has seemed to have forgotten their fiduciary obligations to the security exchange commission and to the Holders of these Retained Notes of indebtness.
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: Experian Information Solutions Inc. (NY)

I have a late payment on my credit report from XXXX XXXX. I've reached out to the creditor to request validation of them sending me my statement 21 days before the due date and they have not responded. I have also reached out to the credit reporting agencies to have late payment removed as I have not given any instructions to furnish this information on my credit profile. It has been months and they have not responded. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC s 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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: Upgrade, Inc. (TN)

I called XXXX on XX/XX/2023, regarding account # XXXX due to financial difficulties and was enrolled in their 3-month hardship plan. I clarified that my plan enrollment intent was to preserve my credit standing and avoid adverse credit reporting to the account. The representative assured me that no adverse credit reporting would occur while I enrolled in the plan and made timely payments. Under the hardship plan, my first payment of {$110.00} was due on XX/XX/2023, and the plan duration was XX/XX/2023 - XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023, thus fulfilling the terms of the hardship agreement. On XX/XX/2023, I received a XXXX XXXX alert from XXXX indicating that Upgrade reported that my XX/XX/2023 and XX/XX/2023 payments were 30 days late. I called Upgrade, and the representative confirmed there were no indications of late payments. I called Upgrade again on XX/XX/2023, and again was told there were no indications of late payments. In both cases, I asked for a letter or email from Upgrade indicating the reporting error so I could send it to XXXX directly for swift resolution. I was instead told that Upgrade would initiate the process of sending the correction to XXXX, and I would have to wait 45-60 days for the credit correction process. I feel strongly that Upgrade should provide me, the consumer, with some written communication on Upgrade letterhead stating my credit history was incorrectly reported to the credit bureaus so that I have recourse to resolve the credit reporting issue. I am not confident that Upgrade will work as diligently to resolve this issue as I would. I also bear the consequences of my credit score dropping because of something that was not my fault. The Fair Credit Reporting Act ( FCRA ) states that credit reporting companies and furnishers have obligations to ensure that credit reports are accurate. Based on Upgrade 's own records and the supporting documentation provided, it is clear that Upgrade provided erroneous information, which has negatively impacted my credit rating. The FCRA also states that there are legal remedies that I could pursue including actual or statutory damages, which, at this point, I am not interested in. I want Upgrade to update my correct payment history to XXXX in an expedited manner.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I see that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus need to validate these account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-05-28
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. (NV)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-28
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)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC. (CA)

XXXX keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/2023. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.