davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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. (MO)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts and numerous communications, these unauthorized entries remain on my credit report, causing significant distress and potential harm to my financial standing. 

Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 
Received acknowledgment of my dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit file, causing additional stress and potential financial repercussions. 

The prolonged delay in addressing this issue is highly concerning, and I find it unacceptable given the urgency and the potential impact on my creditworthiness. 

I urgently request the following actions : Immediate and thorough investigation into the fraudulent entries on my credit file. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items. 

Swift removal of the fraudulent entries from my credit file and a confirmation of their removal. 

Assurance that my credit report will be accurately updated, reflecting the removal of the fraudulent items. 

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (GA)

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a 3rd party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to company on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Acima is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of XXXX. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-03-29
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. (MI)

Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX on my credit report as having late payments. I have never been late on this account and I have continually disputed this account and Experian fails to verify accuracy of this account.
Consumer complaint received 2024-03-29
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. (NY)

I am writing to express my profound dissatisfacation with the continued inaccurate reporting by XXXX XXXX Account Number : XXXX on my credit report. Despite filing a detailed complaint regarding a inaccurate and inconsistencies, it persists in reflecting on my credit profile. This marks my third dispute concerning this matter, and I am deeply troubled by the lack of resolution. 

It is imperative to note that the inclusion of this account on my credit report is both misleading and detrimental to my financial standing. As such, I am formally requesting the escalation of this issue for thorough investigation and prompt resolution. Additionally I Insist on receiving verifiable documentation to substantiate any reported late payments associated with this account. 

I implore you to take immediate action to rectify this situation by either providing irrefutable evidence or expeditiously removing the inaccurate information from my report or removing the account as a whole from my credit report. I trust that you will uphold your duty to ensure the accuracy and integrity of consumer credit reports. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this ongoing issue. 

Attached is my identification and a sworn affidavit to ensure my identity.
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (AR)

Hunter Warfield is showing up on all 3 of my credit reports showing they are collecting a debt for an apartment complex I moved out of in 2021. My lease was up and I was on a month to month agreement with the previous manager XXXX XXXX. I got her permission and okay that it was fine for me to move out since I was on month to month. In the middle of my move something happened at the apartment complex that forced them to change managers, the new manager didn't know me and didn't know what was going on I assume. I spoke to her briefly when I turned the keys in to let her know I was moving and the previous manager and I agreed to the move being that I was on month to month and under no lease agreement. She stated she would look into it but I never heard from her again. Then years later I see this collection agency on my reports that I have no knowledge of, they have never tried to communicate with me by any means to validate or verify this debt that I don't owe. I have an emergency in my family and we are needing to move from our home because of health reasons and now this unlawful reporting is causing hardship in my life to where I can't move.
Consumer complaint received 2023-11-08
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. (NJ)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

Ive been paying on my nelnet account for years and never had an issue. My payment increased earlier this year and I needed to speak with them about helping me adjust it so I can continue to pay my student loans back. One day I was contacted by a company named XXXX and the representative told me they were helping nelnets clients and for me to upload my recent paystubs to my nelnet account and nelnet would take care of it since she put in a request for them to contact me. I did this back in XXXX and have yet to receive a call from nelnet with an actual person on the phone. I have received calls from nelnet, but every time I answer they would hang up. I was advised by the XXXX rep not to make any payments until I received contact from nelnet. I decided to reach out to nelnet myself in XXXX. I called multiple times and sat in que for 1-2 hours each time. I work for a living and have a new baby that I need to attend to. I dont have hours to waste on the phone since my job requires me being on the phone. I spent XXXX, XXXX, and most of XXXX trying to call nelnet and never once got through to a representative. I decided to try to contact them through email late XXXX. I received an email back but it just apologized and said heres some online things that may help. I responded and told them I needed an actual representative to contact me ( Im still waiting ). All three of my credit reports had great scores in the mid to high XXXX. Since this all started my scores have dropped to the mid XXXX! I know I owe the money and Ive been fine paying it for years! I needed help from nelnet to ensure I can continue to pay as normal. Ive been dodged and held hostage in a phone que for months and this has now ruined my credit! I want them to remove the past dues on my credit reports and help me correct the account so i can continue to pay it.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

This complaint will serve as a reminder and also a follow-up to my previous complaint last XX/XX/XXXX. My previous complaint contains these erroneous items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my credit score drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at XXXX XXXX XXXXXXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted XXXX to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made XXXX attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully XXXX from a chapter XXXX bankruptcy and am establishing my credit. This inaccurate reporting has hurt me significantly.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have asked for validation of this debt and did not receive the original contract and statements I requested. I also requested a 1099 for the charged-off amount which I did not receive. Toyota Motor Credit is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I sent them a letter certified mail that this account was being reported inaccurately and they failed to provide me with the original contracts I requested. I have attached a screenshot showing that they are reporting inaccurate information across all 3 credit reporting agencies. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2023 I raised the problem of having an unauthorized charge come from my account in which I raised the concern to Venmo and was told that my money would be refunded instead of that they suspended and closed my account without returning my money back to me! 
I have given them ample amount of time to resolve this issue with me and apparently I am not the only person this has happened to!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to resolve a MAJOR issue with XXXX  XXXX yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an SBA loan to save my business, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with XXXX and Transunion. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus
Consumer complaint received 2024-03-29
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. (CA)

On or about XX/XX/XXXX, I submitted a dispute with Experian Credit Bureau for the following account : XXXX XXXX XXXXXXXX- This account is currently reporting inaccurate and incomplete payment history and account information. I submitted a dispute letter requesting a reinvestigation pursuant to 15 USC 1681i. I demanded to see Account level documentation bearing my wet signature such as applications, contracts, etc. I advised Experian if this information can not be produced according to case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is considered incomplete and must be deleted from my credit report. Unverifiable, incomplete, or inaccurate tradelines should be deleted from my credit report and 15 USC 1681i ( 5 ) thoroughly explains. 

On or about XX/XX/year>, I sent a Methods of Verification letter to Experian to request verification of all the steps Experian took to ensure XXXX XXXX XXXX  was reported 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. Consumer reporting agencies shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name & address of any furnisher of info contacted in connection with such information and telephone # of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

On or about XX/XX/year>, I received an update from Experian that my dispute was completed and the XXXX XXXX XXXX account was " verified and updated ''. 

After the reinvestigation by Experian, the XXXX XXXX XXXX account is now reflecting additional incomplete and inaccurate payments in my payment history, further damaging my credit history. 

On XX/XX/XXXX, I contacted the dispute dept at Experian and confirmed my dispute letters were received. Experian representative verified receipt of my dispute letters and stated they contacted the creditor directly and verified the account. 

Experian intentionally and willfully refused to complete a thorough reinvestigation, failed to provide me with all requested documents, refused to delete the inaccurate, incomplete, and unverifiable account, and is now reporting additional inaccuracies on my credit report in direct violation of 15 USC 1681i ( 5 ) ,15 U.S.C. 1681i ( 7 ), 15 USC ( 6 ) ( B ) ( iii ), and 15 U.S. Code 1681e ( b )
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX. XXXX  - XX/XX/XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (RI)

There are 6 unauthorized inquiries on my credit report maintained by transunion that are not attached to any open accounts and should be removed immediately per 15 USC 1681 ( b )
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (IL)

In accordance with the Fair Credit Reporting act Diversified Adjustments has violated my rights.

The FDCPA ( Fair Debt Collection Practices Act ) Validation of Debt. This company has not been in communication with me whatsoever stating that this alleged debt belongs to me. Prior to this getting on my report I never knew anything about this company. How can you furnish anything on my report and havent even given me the rights to dispute it before furnishing this alleged debt to the credit bureaus.

15 U.S. Code 1681b - Permissible purposes of consumer reports.

I have sent this company two letters, one was a validation letter which was my first attempt to them to get this alleged debt validated. The second attempt was a demand removal letter after a timely response and no response at all was was made. I still heard nothing from them and this collection is still on my reports. I have all my certified mailing receipts from the letters Ive sent them along with the original letters that Im going to upload as proof for this compla
int. Im also sending in the confirmation result that I received from XXXX stating that the collection agency reported to them that the information is accurate. How are they communicating with XXXX and not me when Ive written multiple letters to them. Unfair practices!
Consumer complaint received 2023-08-30
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD SYSTEMS KEEPS CALLING ME ON MY XXXX PHONE... THEY ARE ASKING FOR SOMEONE, BUT I AM NOT THE PERSON THEY ARE LOOKING FOR.

THEY CONSTANTLY CALL, CALL, CALL AFTER I TOLD THEM TO STOP CALLING. MY NUMBER IS REGISTERED ON THE DO NOT CALL LIST.

I BLOCKED THE NUMBER -- > BUT THEY OVERRIDE THE BLOCK.

THEY REFUSE TO TELL ME WHY THEY ARE CALLING IN THE FIRST PLACE ( I KNOW WHO THEY ARE, A NOTORIOUS THIRD PARTY DEBT COLLECTORS THAT LOVES TO BARGE INTO OLD EXPIRED DEBTS AND COLLECTION FOR MEDICAL, HOSPITAL, ETC BILLS ).
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

On Tuesday, XX/XX/XXXX at XXXX, I deposited a cashiers check into my checking account at Navy Federal Credit Union inside the Branch office with a bank teller. At the time of deposit, I was informed the funds would be available on Thursday XX/XX/XXXX. At XXXX Wednesday XX/XX/XXXX, I received a message from the bank that my funds were now being held for 5 business days because there was reason to believe my cashiers check from XXXX XXXX XXXX would not be paid due to confidential information. I called the customer service line to try to resolve the issue. I was informed that the reason why my check was placed on an extended hold was because XXXX XXXX  XXXX would not verify the check over the phone. On Thursday XX/XX/XXXX, I went into the branch office to speak with a manager to get the hold removed. I explained the cashiers check was my inheritance and paid from a trust account. I had the trust documents as well as the receipt of the cashiers check issued from the XXXX XXXX XXXXXXXX account. The branch manager, even with all of the information given refused to remove the check hold.