davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
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. (FL)

Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$35000.00} ; XX/XX/XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XX/XX/XXXXXXXX Balance Owed : {$920.00}.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Portfolio Recovery keeps calling after I specifically requested a written validation of the debt. I requested that they not call me any further until I have written validation sent to me. They called me on XX/XX/XXXX and I requested the written validation of the debt and for them to cease calling until that time. They called me again XX/XX/2023 from a number that is verified to be from Portfolio Recovery. I want the calls to stop and them to honor the FCRA. I do have the call recorded when I requested them to validate it. I will attempt to attach it here
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Equifax, and XXXX are reporting 30 days inaccurate late payments for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 30 days for the months of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Equifax, and XXXX violating my Federally protected rights. To add to this, I did not give XXXX, Equifax, and XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, Equifax, and XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (IL)

The XXXX XXXX  popped up on my credit report on XX/XX/2018. Its says I have an account that was opened with XXXX XXXX XXXX on the same day in the amount of XXXX. I have tried to call the company to see where the account came from but all I have gotten since calling is only music playing. This has dropped all of my scores on my credit report by 42 points and I'm trying to by a home. I have never had an account with XXXX XXXX XXXX. Please help me. I have looked them up online and it says the company is a scam. Please help me. This has set my family back. Thank you.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. XXXX XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet Equfiax is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.
Consumer complaint received 2023-10-21
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 Balance : {$27000.00} DEPT OF ED/XXXX XXXXXXXX Balance : -
Consumer complaint received 2023-10-21
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. (AR)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

Set a reasonable deadline for the recipient to resolve the issue. This will depend on the urgency of the situation, but typically, allowing a few weeks for a response is reasonable. ] I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. I am asking for your immediate assistance to remove the items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
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. (TX)

i only have one account with XXXX XXXX account. the correct inquiries are on XXXX. 
The other inquiries aren't incorrect are the following : XXXX XXXX  XXXX and noncom/road runner motor XXXX i don't recall making an application or have an account with this companies. 
i only have one XXXX XXXX inquiry i do know is mine. 
( XXXX ) i already try reaching out to the following companies.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2024-03-14
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)

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-21
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. (CT)

I am writing to formally file a complaint regarding my persistent efforts to correct a late open accounts on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$15.00}.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, 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. (LA)

See attached!! I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2023-10-21
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)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company. I believe these items are fraudulent, and I request their immediate removal and resolution. 
I have attach my supporting documents, such as DL, SSN, and POA.

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00}.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX Open {$3300.00} Account Details Last Reported XXXX XXXX XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX  XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (  XXXX ) XXXX Since you currently have an open dispute request, you ca n't dispute any other errors through XXXX XXXX at this time. If you found new errors to dispute with XXXX, please wait for your prior dispute request to be processed or contact XXXX directly.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I submitted a message to Mohela on XX/XX/XXXX, notifying them that XXXX of my XXXX loans had been enrolled in the incorrect repayment plan. All of the loans should have been automatically switched from the REPAYE to the XXXX plan, but XXXX of the XXXX plans had been switched to a LEVEL plan instead, which is the standard repayment plan that is not based on income. A reply message was sent to me on XX/XX/XXXX, instructing me to call Mohela. I did call then, and after waiting on hold for an hour, the representative was able to do nothing to rectify the issue. In spite of having received a letter from the DOE that all my loans would automatically be switched to the income-based SAVE plan, I am now either forced to make the choice between paying an incorrectly elevating loan payment or applying for forebearance while my application for the correct income-driven repayment plan is processed.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

I am trying to make an additional target loan payment. The website says to call them. Call times are XXXX minutes and the recording says I can make an additional targeted loan payment online. Online says to send a secure message about making an additional payment, and they will respond in 3 business days. Currently waiting a week to hear back. 
I dont know why they are making additional payments so difficult to make. Do they not want loans to be paid in full? It seems like they want borrowers to take on additional interest payments due to their slow response. This seems inappropriate and slightly illegal. 

To summarize, I am trying to make additional payments to specific loans to pay off my loans and manage my interest. MOHELA doesnt allow easy additional payments to be made. It seems they dont want the loans to be paid off.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Remove XXXXXXXX XXXX  account from my credit report for inaccuracy. The date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax!
Consumer complaint received 2023-10-21
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: EQUIFAX, INC. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX {$12.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} ; XXXX XXXX XXXX XXXX  : {$0.00}.
Consumer complaint received 2023-10-21
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. (GA)

This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX SHOWING THAT I WAS IN XXXX  AT THE TIME THIS ACCOUNT WAS OPENED.
Consumer complaint received 2024-03-14
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-10-21
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX