davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (CO)

I had paid off the loan 2 years early to LOBEL FINANCIAL. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe LONEL FINANCIAL money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them XXXX or XXXX times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job
Consumer complaint received 2024-03-22
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these itemsin 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. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-22
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-03-22
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'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 2024-03-22
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. (IL)

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. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Consumer complaint received 2023-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am talking abou Transunion now. These guys are just crooks. My credit score was at XXXX with 17 % total credit usage. I am back up to 30 % which is recommended and I lost XXXX on my credit report. I never gained XXXX pts for good work. 

Wonder why people are losing their minds out there. All my accounts are paid on time. Theres no reason to do this. I understand XXXX pts but XXXX? Thats a joke. 

Look at my credit report and see what I mean. 

XXXX XXXX
Consumer complaint received 2024-03-22
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am filing this complaint to Equifax I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-04-24
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. (MD)

I've been a victim of identity theft since XX/XX/. I've habitually sent Equifax and XXXX multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.
Consumer complaint received 2024-03-22
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. (WA)

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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have contacted in multiple with occasions XXXX, XXXX, and Equifax to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it. 

According to 15 U.S. Code 1681, I did not give written permission furnish anything on my credit report.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (TN)

Someone opened a Target store card in my name. I dont shop at the store let alone want a store card from them but got a call and a Hard inquiry on my credit regarding a card i never signed up for ( Identity theft )
Consumer complaint received 2024-03-22
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. (IL)

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 2021-01-06
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. (FL)

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-22
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-22
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : 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 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wrote to Bank of America in XXXX and XX/XX/XXXX  in regards to an accoun that they show as a " Charge-off. '' ( See attached letters ) I asked them to provide me with information of the alleged outstanding amount along with charge and payment history on this account. In return, they sent my a " One Paragraph '' letter with no identifying information as to determine if this outstanding amount belonged to me. ( See attached letters ) Nothing other than the same letter with different dates was ever sent to me based on my request.
Consumer complaint received 2024-01-30
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: Velocity Portfolio Group (TX)

Velocity Investments has continuously harassed with phone calls and flooded my mailbox with letters from different law firms. They have yet to provide proper documentation for proof of agreement with my wet signature or contractual agreement with this agency. The constant harassment has caused great stress to my health.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days 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 ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2024-03-22
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)

I have contacted Experian at least 6 times since my XXXX XXXX Bankruptcy to accurately report the information on my XXXX XXXX account. I have called, filed disputes, and sent letters and they are still reporting different information in different areas. On one spot of the report it says the account was over 90 days lateon another spot it says never late. On another spot it says nothing. One area still shows a balance when it should say {$0.00} since it is included in a BANKRUPTCY! At this point, if they can not fix this account, they just need to delete it. They have caused me so many issues with my background check in trying to get a federal job, and a new apartment due to this account reporting the wrong information even though it is included in my Bankruptcy and being taken care of. This is my last resort to have them either fix my credit report or take the account off because I have tried everything at this point. 




This second part is for XXXX which was sent through the mail : I have disputed this account several times, and contacted you all numerous times, and you all will not fix it. The next step is going to be a lawsuit if this is not taken care of. 

Fix the XXXX XXXX. Installment account, immediately. You all keep reporting inaccurate information which has caused me many issues regarding background checks while trying to get a new job among other things. 

In one area, it reports a first delinquent date of XX/XX/2020. In another area it says XXXX was 60 days late. It also says XX/XX/2020 was the last payment date but has XXXX selected as the last payment date. WHY IS NONE OF THIS ACCURATE??? Too many discrepancies. 

Either way, this account WAS NEVER 120 days past due. EVER. No other credit report has ever shown anything like this except you all and I dont know where you got the inaccurate information from but again, I will contact an attorney, and the XXXX  if it is not fixed after this letter.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I continue to have issues with my primary checking account at USAA. I deposit and withdraw/ pay bills via this account. USAA does not have many brick and mortar facilities at all and NONE in XXXX/ XXXX XXXX. They have chosen to save money by utilizing the mobile deposit feature. They allow you to access funds immediately if you have built up a certain credibility with their firm. I have. I have been a member for 12 years. I deposit and withdraw a great deal of funds and on a frequent basis. I own a small business which utilizes credit cards in my name. I pay them off on a monthly basis, but I get reimbursed by my firm. I deposit a check and then pay them off frequently. 

A few months back, USAA mysteriously removed my access to my account. I was livid. I couldn't see or do anything with my funds. They didn't give me a reason after talking to a couple of people. I told them that I frequently deposit $ XXXX ( which is their limit ) checks from my company. This might have raised a red flag. They never confirmed anything, but after 3 days I was able to access my account. 

Now, last Friday, XX/XX/XXXX and two Fridays prior on XX/XX/XXXX, I deposited $ XXXX each. Both times a large portion of my funds were restricted for a week. I called in furious because this has not happened to me before. They stated that it was because of insufficient funds. Well, I received that notice 4 months prior ( and after depositing many other large checks in the interim ). The only reason I got that notice was because I deposited a check and then paid a bill and the timing on USAA 's part caused the NSF. Crazy! I can not believe the US still takes several days to settle funds. That is archaic. 

Anyways, the first time i called in the rep was able to get my funds released. Today, I got the run around. First, they said it was impossible. I told them that the prior rep was able to do this. I was not happy. They finally conceded that the rep shouldn't have done that and they continued to refuse my funds. I worked with XXXX and a lady that has a name that starts with a 'Z '. 

This seems to be arbitrary and discriminatory. As a minority who has done well for himself, but had to go through a lot of discrimination, this reeks of 'we like him/her and don't like him/her '. This is redlining at its worst.
Consumer complaint received 2024-03-22
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. (OH)

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, XXXX, and Experian bureaus. Not only are these accounts XXXX, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX GXXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX