davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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. (MO)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (IL)

A paper was left in door in XX/XX/XXXX regarding a judgement dated XX/XX/XXXX and the paper indicated it would revive judgement. But I did not open any accounts and was not aware of any judgement. I was told by company that it did not matter because the judgement was already entered and that they could collect any amount listed plus interest.
Consumer complaint received 2018-11-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I had a lease with XXXX XXXX XXXX that ended XXXX of 2018, I paid my last months dues and thought I was finished. XXXX claims to have sent me an invoice regarding a {$390.00} " Disposition Fee '' however I never received any letter or invoice stating how much was due. Even if the amount was due I have screen shots of my balance at {$0.00} owed and was not allowed to log back in once I made my final payment. 

I received a collection letter from an agency requesting a payment of {$390.00}, I don't want it reflecting on my credit report as I never knew this amount was due and was not informed of this in anyway. 

XXXX claims to have mailed letters but theres no proof of delivery
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Credit and Collection Service, Inc. (OR)

This is a predatory company set up to fine anyone who even remotely is around them. 

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


The name of this company is XXXX XXXX 

They claimed we parked on their parking lot for XXXX minutes, and did not pay their mailed parking ticket. 

They then sold this {$80.00} parking ticket to their own internal debt collection company, that mailed us a fine for not paying them for parking. I asked for proof of this debt in some way, and they said it was not their responsibility nor were they required to provide proof of the debt, and hung up on us. 

We called multiple times. 

This is not uncommon according to many others online who have attempted to interact with XXXX XXXX and their debt collection company.
Consumer complaint received 2023-11-14
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-11-19
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. (FL)

Contacted both Equifax and XXXX regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

XXXX XXXX XXXX
Consumer complaint received 2018-11-19
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. (GA)

On XX/XX/2018, I filed a dispute with Transunion after filing a dispute with a collection Agency ( XXXX XXXX XXXX XXXX XXXX ) regarding an item that appeared on my credit report. The collection agency agreed to have this item deleted from my credit report and sent me confirmation which is attached that this item will be deleted due to their error. All other credit unions deleted this item based on the facts and evidence presented. However, Transunion did not and inaccurate information still remain on my credit report. Despite the being provided information from the hospital collection agency stating that this item should not have been reported.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AK)

I have had to dispute multiple times with Jefferson Capital Systems. The accounts are closed because they are incorrect and illegitimate. Jefferson Capital Systems then decides to re-open the previously closed accounts and continue their negative reports on my credit. This needs to stop and they need to reverse the damage they have caused to my credit.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have addresses and telephone # s and names that do not belong to me reporting on my credit report I had fraud and identity theft I will be sending a copy of my identification of where I have resided for the past 15 years I will like them to be deleted from my credit report please
Consumer complaint received 2023-03-13
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: CREDIT ACCEPTANCE CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights. 
Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have a mortgage with Wells Fargo, which I have been in default with for several years. My issue with Wells Fargo is that in the early stages of the default, I called the bank and stated that I wanted a modification. In good faith, I sent them 4 payment. They in return sent me a letter stating that they would divide the arrears by 12 and add it to my current monthly mortgage payment. I knew that this was not a modification. I stated to the representative that I could not afford to catch up with the arrears at that time and I wanted a modification. I was told that I should not bother with a modification, because I would not qualify. I was struggling with child support and needed relief. 

The foreclosure started and I could not afford an attorney, so I tried the best I could to defend my rights. Wells Fargo transferred the servicing to XXXX and their attorney 's. 

About 2 months ago, I heard in the news that Wells Fargo set up a fund for loans that they should have modified in 2015, but failed to do. I feel that I am one of those people and deserve an opportunity for a modification. XXXX XXXX XXXX is unwilling, but I feel that they have an obligation to submit, or question Wells Fargo. 

My home has a value of approximately 500,000. The balance  with arrears is XXXX. I have seen mortgage statements of Wells Fargo customers with modifications. I can't understand why I wasn't given the same opportunity. 

Wells Fargo needs to review and do something about this. If they set up a fund, but know that they transferred the serving, what good is that to a consumer.
Consumer complaint received 2024-05-07
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: ENCORE CAPITAL GROUP INC. (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-11-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-14
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (GA)

I am writing to express my continued frustration and disappointment regarding the unresolved inaccuracies in my credit report despite numerous attempts to rectify the issues. 

I have diligently submitted correction requests for the following discrepancies : Despite multiple efforts to address this matter, my credit report persistently displays a late open account that does not accurately represent my financial history. The account in question is inaccurate. I urge you to conduct an immediate and thorough investigation to correct this persistent misinformation. 

The credit report inaccurately reflects a charge-off that I have disputed on multiple occasions. Despite providing detailed information and evidence to support my case, the erroneous information remains on my report. I demand an urgent and meticulous examination of this matter, followed by the prompt correction of the inaccuracies associated with the charge-off. 

These inaccuracies are not only adversely affecting my creditworthiness but are also causing significant distress and frustration. I have made multiple attempts to address these issues, and the lack of resolution is deeply concerning. 

I insist on a comprehensive and expedited review of the matters mentioned above. Please provide me with a detailed explanation of the steps taken to correct these inaccuracies and a clear timeline for the resolution of these persistent disputes. I am asking for your assistance to correct the following accounts : XXXX XXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/2020 Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

I filed an earlier complaint with the CFPB on XX/XX/2024 regarding unfair debt collection processes by IQ Data International ( XXXX ). They responded to my complaint on XX/XX/2024 by saying " [ t ] he account has been marked disputed and will remain in that status until resolved. '' In fact, that is not what they did, because I just received notification that they sent this false debt to credit reporting agencies, which has tanked my credit score by nearly XXXX points. So this is another misrepresentation by the same company. Under 15 U.S. Code 1692g ( b ), if the debt is disputed, the debt collector must cease collection on it until they have sent me certain information, which I have not received.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have an auto lease XXXX XXXX XXXX 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 XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me XXXX days late in XX/XX/2022. There was an error on their part. I was never XXXX days.
Consumer complaint received 2023-11-14
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)

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, EXPERIAN shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
PERSONIFY Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX & XXXX NA Date of inquiry : XX/XX/XXXX
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-11-14
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)

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (LA)

I was trying to buy a house and I realized I had damaged on my credit report. According to the 15 USC 1681 law, I should not have any damage on my credit report it is a defamation to my character. I have all these hard inquiries on my accounts. I also tried to dispute collects on closed accounts that was not up to my knowledge. I have sent in many letters and have not been helped.
Consumer complaint received 2023-11-14
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (CA)

I am writing to raise a formal dispute regarding pervasive inaccuracies within my credit report maintained and reported by you the credit reporting agency. These inaccuracies pertain to two significant issues : identity theft and the improper reporting of unauthorized credit inquiries. I firmly believe that these issues necessitate a thorough examination to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974.