davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
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)

Too many inconsistencies in this payment information, this payment information is reported illegally, and in accurate I made a payment, and and settlement in XX/XX/XXXX they still have it that I didnt pay and I have it marked in yellow I requested a 1099C form for them and they told me they would not give me one until I paid more. This is over seven years old and this is reported wrong they keep reporting and theyre telling me Im past due this is the charge off thats illegal. Theres no way this company shouldve reported on XX/XX/XXXX. This is illegal. They dont have my payment of XX/XX/XXXX current on this payment form but they have everything else marked. This is totally wrong and anaccurate.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-04-03
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)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-12-09
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. (NJ)

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 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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 2023-12-09
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)

I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my Experian credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor XXXX XXXX XXXX  Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VT)

I have asked all 3 credit bureaus to remove a non-bankruptcy derogatory report that is older than 7 years from my credit report. Experian claims that only the reporting entity can remove it, and that I need to contact that entity directly, which I know is false. 

However, I have attempted to do so - the entity was XXXX, but since I do not have the old account XXXX  available, I can not get through their voice system to access a human to try to have them remove the information.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have been unable to get my credit report " On Line '' from Experian for several years. I receive the following error message when trying to get my report : " A condition exists that prevents Experian from being able to accept your request at this time ''. I have no way of contacting them to resolve this issue. I even created an account with them ( which they force you to do if you want to try to get a credit report directly from their web site instead of going thru XXXX, which may be the reason they deny me access to my report, to get me to register on their website '', and they still refuse to give me my report, and once you create an account with them they bombard you with spam and wont allow you to opt out of the spam. I just want to be able to go on line to XXXX and get my credit reports just like i do with XXXX XXXX XXXX.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in. 

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX or XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely,
Consumer complaint received 2023-11-20
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. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

This is not valid and does not belong to me. I have disputed the collection item on my Consumer report. They have ignored the request to clear this item and to validate with providing the Original contract. Per the item listed on the Consumer report ; the open date is XX/XX/2023 but reported also on XX/XX/2023. This is violating my rights as a Consumer as they are tarnishing my credit reputation. As per the Consumer laws, XXXX XXXX and others, they have violated many laws. They did not send any letter for collection. Since there is false reporting with this item, I am demanding that they remove this from my Consumer credit report. I do not have any contract with National Credit Adjusters.
Consumer complaint received 2024-04-03
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (IL)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I used Transunion to check my credit, since then they have billed me a charge of XXXX six different times without my consent. I never signed up for a service or purchased anything.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Please remove the late markings ASAP.
Consumer complaint received 2023-12-09
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 sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted Experian directly to go over my results and they assured me they will put in a dispute for investigation. Three days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in three days when the normal dispute process is 30 days. It was NEVER provided to me.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ID)

Citibank card raised my credit limit then they lowered my limit. They are giving me fees on top of that for reaching my credit. They are hurting my credit score and refuse to work with me even though most of my payments have been on time. I also have not been notified of the credit limit change and have had to find out when I tried to use my card I paid it down by XXXX XX/XX/XXXX and they lowered my limit by XXXX on XX/XX/XXXX, while I was in another country and it really put me in a bind. Its ridiculous that they are hurting my credit even though my account should be paid down and far from the credit limit.
Consumer complaint received 2024-04-03
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I formally filed for bankruptcy on XX/XX/XXXX, after filing I called multiple times letting Credit acceptance know that I filed bankruptcy. I was then told that they were able to see the bankruptcy and receive notification. They gave me a hard time but eventually stop trying to collect on the XXXX XXXX XXXX in the XXXXXXXX XXXX. I started I wanted to retain the property and redeem it for current property value, which was {$2400.00}. 

I received confirmation from the United States Bankruptcy Court of the Southern District of XXXX that you all were contacted via email about this bankruptcy. An email was sent to XXXX on XX/XX/XXXX at XXXX, which was the day I filed notifying them that I filed XXXX XXXX bankruptcy. Credit Acceptance was contacted again when I had a telephonic meeting to have a representative present on XX/XX/XXXX at XXXXXXXX XXXX and no one showed up. Again, Credit Acceptance was contacted at XXXX on XXXX XXXX XXXX XXXX of the dismissal and agreement. No one reached out to me. Then I received a letter dated for XXXX XXXX, XXXX of repossession.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles
Consumer complaint received 2023-12-09
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. (CA)

Experian is attempting to charge me {$25.00} for a credit monitoring service - " XXXX  '', that I do not recall signing up for. I believe this is a case of a predatory subscription service.
Consumer complaint received 2024-04-03
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. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-03-01
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: AMERICAN EXPRESS COMPANY (IL)

I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for American Express which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and XXXX  have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.
Consumer complaint received 2023-02-12
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. (CT)

On XX/XX/2022 I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XXXX/XXXX/2022, Balance : {$380.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.