davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has failed on numerous occasion to provide me with proof of verification for XXXX accounts XXXX XXXX as well as XXXX XXXX. I have asked them to provide me with who verified this information, when did they verify this information? How did they come to the conclusion that this information was verified and were the proper steps initiated.

15 U.S code 1681 states my rights as a consumer to a fair and accurate report.

15 U.S code 1681i states that The consumer reporting agency shall promptly provide the person who provided the information in dispute all relevant information. 

I believe my request for this information was disregarded on many occasion and I have a accurate paper trail of neglect from Experian. I have asked the company countless of times to provide me documentation that validates this information. They have never provided any factual documentation. 
Also I asked them to provide a wet black or blue ink signature to prove I am the one who signed and open these accounts. 

EXPERIAN PLEASE PROVIDE ME WITH ALL THE NAMES, DATES, TIME, ACTIONS, VERIFICATION METHOD OF THE XXXX  XXXX XXXX AND XXXX XXXX EMPLOYEES WHO PROVIDED YOU WITH ACCURATE AND VERIFIABLE INFORMATION STATED ON MY ACCOUNT. IF YOU FAIL TO COMPLY THESE ITEMS MUST BE DELETED IMMEDIATELY. 

15 U.S CODE 1681S HIGHLIGHT THE FACT EXPERIAN HAS NOT PROVIDED SUBSTANTIAL INFORMATION TO SUPPORT THEIR CLAIMS AND MUST DELETE ALL DEROGATORY REMARKS UNLESS PROVEN OTHERWISE.

I HAVE TRIED ON MULTIPLE ATTEMPTS TO FIX THIS AFFAIR EXPERIAN ALONG WITH THEIR BUSINESS PARTNERS HAVE VIOLATED MY RIGHTS.

15 U. S CODE 1692D IS ANOTHER VIOLATION I HAVE ENDURED FROM EXPERIAN.

THEY HAVE VIOLATED AND ABUSED ME AS A CONSUMER. MY FINANCIAL REPUTATION HAS BEEN TARNISHED. I AM UNABLE TO AFFORD AND HELP MY FAMILY DURING TIMES OF DIFFICULTY DUE TO MY CREDIT WORTHINESS. ACCORDING TO MY RIGHTS AS A CONSUMER I AM ENTITLED A SIGNIFICANT AMOUNT OF COMPENSATION FOR DAMAGES ( 15 U.S CODE 1692K ) I ALSO RECEIVED A NOTICE FROM EXPERIAN ON THE 19TH OF DECEMBER THAT MY ACCOUNT DISPUTE WAS OPENED. ACCORDING TO 15 U. S CODE 1681i, WHEN A DISPUTE IS OPENED THE ITEMS THAT ARE BEING DISPUTED MUST BE REMOVED FROM THE ACCOUNT DURING THE TIME OF DISPUTE. THE ITEMS NOR REMARKS WAS UPDATED ON MY CREDIT PROFILE AND REFLECTED THE TERMS DELETED AND IN DISPUTE THE PROPER PROCEDURES WERE NOT CONDUCTED.

15 U.S CODE 6802 STATES THAT A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC INFORMATION TO A NON AFFILIATED THIRD PARTY. MY INFORMATION WAS PRESENTED TO EXPERIAN ( NON- AFFILIATED 3RD PARTY ) BY XXXX XXXX XXXX FINANCIAL INSTITUTION ) AND XXXX XXXX XXXX FINANCIAL INSTITUTION ). I ALSO WASN'T GIVEN THE OPPORTUNITY TO OPT OUT BEFORE SUCH INFORMATION WAS DISCLOSED WHICH IS A VIOLATION OF MY RIGHTS. 


EXPERIAN KNOWS I HAVE A LONG PAPER TRAIL OF THEIR FRAUDULENT ACTIVITIES. I CAN HONESTLY SAY I AM NOT SURPRISED OF THEIR PREDATORY ACTS.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all in violation of my rights. 
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 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've tried constantly to dispute these accounts with this company and they are not giving me a proper settlement. It is to my understanding that they have violated multiple FCRA rules and regulations furthermore Harassing me calling about a debt that i had no connection or knowledge to. I'd like these accounts expunged from my credit profile. 
the dates are not alined on my credit profile as well as balances. This is NOT a request for an UPDATE. but a REQUEST FOR DELETION FROM MY CREDIT PROFILE.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I made a request on numerous occasions for my XXXX XXXX number : XXXX be updated as paid in full and removal of all late payments!! I took it among myself to speak to XXXX myself on. XX/XX/2024 at XXXX and spoke to representative XXXX from the title department on why my credit report was not showing paid in full and the balance reflected to XXXX and all negative items removed, she informed me that they did update all information and it was the three Bureaus that had not correctly updated the information I asked that they send me proof and they emailed me a letter verifying that the account is satisfied I have also submitted proof of payment.
Consumer complaint received 2023-09-09
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-29
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: WELLS FARGO & COMPANY (IL)

I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent XXXX, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Consumer complaint received 2023-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-12
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. (AR)

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 : XXXXXXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-09-09
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: EQUIFAX, INC. (NC)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2023-09-09
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. (NC)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (OH)

XXXX, XXXX, and Equifax have illegally obtain my credit report. I have checked the records and found that XXXX, XXXX, and Equifax are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of XXXX XXXX XXXX Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. XXXX blatantly told me on a recorded call that XXXX is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which XXXX has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form XXXX XXXX and a Form XXXX as all XXXX credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a XXXX charge filling as you have all colluded to defraud myself and my rights.
Consumer complaint received 2023-06-16
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. (MN)

The following accounts currently listed and showing on my Experian, XXXX and XXXX XXXX credit report are not my accounts : Bank XXXX XXXX XXXX XXXX XXXX, balance : {$330.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX  XXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2018-04-30
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.
Consumer complaint received 2024-03-12
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX, TransUnion, and XXXX have illegally obtain my credit report. I have checked the records and found that XXXX, TransUnion, and XXXX are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of XXXX XXXX XXXX Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. XXXX blatantly told me on a recorded call that XXXX is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which XXXX has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form XXXX XXXX and a Form XXXX as all XXXX credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a XXXX charge filling as you have all colluded to defraud myself and my rights.
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is s tating I owe  XXXX  debts of {$390.00} and {$360.00} for credit card accounts originally with   XXXX   XXXX  . I repeatedly disputed this claim several times via mail for about a year now because this is not my debt and fraudulent activity with this account. I have never signed a contract. I have even attempted to a pay for delete sent certified mail for both account if they agree to delete they never responded to my request.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MT)

Contacted XXXX XXXX in XX/XX/XXXX about loan consolidation. They sent me to Nelnet. At that time Nelnet put  me into an IBR ( Income Based Repayment ). The loan originated on XX/XX/XXXX in the amount of {$56000.00} ( 2 loans totaling this amount ). They also indicated I qualified for a 10 year loan forgiveness program. I made {$71.00} monthly payments from XX/XX/XXXX through XX/XX/XXXX. Have not made a payment since. Now per online dialogue with a Nelnet service rep, i'm in a 25 year loan forgiveness program. However, the accrued interest on the loans is now totaling {$11000.00}. This is causing issues as we apply for other kinds of loans. We would like to purchase a house in the near future but this credit score situation is a huge hindrance. We would like to get an answer as to why we went from a 10 year to a 25 year forgiveness. Also, it's a huge weight on my shoulders not knowing what will happen with this loan in the next 2 decades. We would like to have a solid answer as to what the plan is going forward.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MI)

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Equifax Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've educated my lawyer regarding my aims and they are eager to consider that Equifax Credit Bureau is responsible for their tenacious rebelliousness. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been requesting the method of verification from TransUnion since XX/XX/XXXX and they havent complied. I have been receiving generic letters and the latest XXXX XX/XX/XXXX states it was verified. Per the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request which has not happened. This is my 2nd complaint on them