davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-03-19
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. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

I run a small business and i signed for a merchant services for a period of 4yrs and we completed 4 yrs and i was on month to month for a period of 8 months. A representative from the company visited and said that he will give us new updated machine. ( i had already owned both the machines ). He switched one machine only, he said I own the other machine and signed a new lease. 
He said this is a new lease and the old lease is terminated. 
when i checked the monthly statements, the merchant services were taking ( withdrawing ) 2 different amounts. old lease amount of {$64.00} and new lease amount of {$130.00}. I called the company and the customer service people were very rude and was not helpful, they insisted that I have to pay both. 
I had about 4 to 5 calls and I did not get any help. They did not even connect me to the manager or supervisor, when i requested them. I disconnected the machines and switched the company. 
Later they requested the machines to be sent and i did send the machines. 
I requested them to settle the issue with a suitable amount, they asked for {$6900.00}, which is beyond my reach. 
Later i got a letter from a collection company for {$3900.00}. I replied this company and they stopped all the communication. 
Now I have a call from another collection company called XXXX XXXX XXXX XXXX, a person named XXXX XXXX LEFT a message to be called back. 
I request you to help me in this regard. 
My business is very small and my income is also limited.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

This is a debt happened 20 years ago.It 's a ( Zombie Debt, Credit Systems re-aging the debt saying it was opened in XX/XX/2012 ) it was opened 20 years. It been with multiple collections Agencies.

This is a ( Stature Barred debt as well ) It exceed the State Of Texas debt collections laws which is 4 years limitation.

Their violating the ( FCRA ) Laws.I contact the original creditor doesn't have a account on file.
Consumer complaint received 2023-10-17
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. (CO)

My credit has reported false reports since I have turned XXXX ( I am now XXXX ). For the last 2 years I have been in constant communication with Experian and the other credit bureaus, to ensure they are removing false statements from my account. I am a victim of identity theft and fraud. I have disputes numerous cases, many in which, have been resolved and removed. As the evidence points to me being a victim of identity theft and fraud. I have two negative accounts reporting on my credit score : one that has been proven as fraud, and the credit card company has confirmed that and sent Experian emails to prove it, and another collections company that was removed previously ( because it was found to be fraudulent ) and now it is back on my account. I am newly XXXX XXXX XXXX and a XXXX XXXX. It is incredibly difficult and frustrating to not be able to build credit ( out of fear, the false reports will be even harder to remove ). I understand everyone has their own lives and problems and Im just one of many. But it would be greatly appreciated if you guys could simply look into this matter and help me out. Thank you in advance for your help and support. 

The Accounts in Question : Account : XXXX XXXX Date opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance {$360.00} Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Removed : XX/XX/XXXX Reopened : XX/XX/XXXX Balance : {$670.00}
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX. They have erroneously processed my IDR Forgiveness incorrectly. My loans were consolidated on XX/XX/XXXX and completed a consolidation add on form on XX/XX/XXXX. I received confirmation from XXXX dated XX/XX/XXXX that it was received and processing, and the balance of my XXXX loans with MOHELA increased by XXXX while the balance of the loans included in the add on form reduced to XXXX. My Federal student loans with MOHELA were forgiven through the XXXX XXXX time adjusmtent, however the XXXX that was added on to the consolidation was not included in the forgiveness. With the XXXX time adjustment I should have credit for all periods prior to the consolidation for the full balance.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX XXXX XXXX Acct # XXXX late payment was removed from my credit report XX/XX/XXXX, then added back XX/XX/XXXX. How is that even possible? I Cleary stated the late payment was against my rights in the first place with my complaint last month. But to remove it, then add it back is not right, my rights were also not addressed as well when late payment was added back. 

They are violating my rights under 15 U.S.C Section 604 A Section 2. 15 U.S.C 6802 The law clearly states a consumer reporting agency can not furnish a account without my written instructions, or share info to third party. 

I haven't giving these accounts written permission to furnish theses accounts on my credit report.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (GA)

Experian did not remove fraudulent items off of my credit file. Please reinvestigate these items, and remove them if they can not be verified. I have submitted a copy of my driver 's license, social security card, and proof of address.
Consumer complaint received 2024-03-19
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (IN)

Experian continues to violate FCRA with stall tactics!!! they are refusing to acknowledge dispute letters sent by me in type format!!! i used a free website to type my dispute letters and i made that clear to them in the letter they still continue to STALL!!! 

STOP EXPERIAN FROM STALLING!!
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. (KY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC (TX)

XXXX appears on my credit report last updated XX/XX/2018 for Accelerated Financial. I have reached out to them requesting information spoke with a rep name XXXX ( I think ) that said she only had 2 pieces of information that was the same information and no signed contract to provide. I asked her to remove the account from all 3 reporting agencies until she had proper information because I have disputed them 3 times which these last XX/XX/18 came back as valid. The rep transfer me over to XXXX XXXX where he states he has all the signed documents and could send them out to me. I told him to fax them and he said no and the debt will remain and he was not going to remove. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.
Consumer complaint received 2023-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.
Consumer complaint received 2024-03-19
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. (TX)

I am writing to express my profound disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As a loyal customer, I expect a swift and thorough resolution to any issues pertaining to fraudulent activity on my account. 

It is deeply concerning that despite your assurances, the fraudulent items have not been effectively removed from my account. This not only reflects poorly on your company 's ability to safeguard its customers ' accounts but also exposes me to continued risk and inconvenience. 

I insist that immediate action be taken to rectify this situation, including conducting a comprehensive investigation into how these fraudulent items were allowed to persist despite previous attempts to address them. Furthermore, I request that appropriate measures be implemented to prevent similar occurrences in the future. 

I urge you to prioritize this matter and provide me with a swift and satisfactory resolution. Failure to do so will leave me with no choice but to escalate this complaint to the relevant authorities and seek further recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

i reachout numerous times to XXXX XXXX equifax about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due
Consumer complaint received 2024-03-19
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-19
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I put in a request for my XXXX account to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against XXXX and transition. I sent you the proof the account was paid in full. There is a difference between paid in full and closed.
Consumer complaint received 2024-03-19
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. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-19
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. (NY)

I want to express my extreme dissatisfaction with the continued presence of a fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be immediately removed. So please remove the accounts from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
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. (IN)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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