davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (TX)

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Consumer complaint received 2023-09-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MS)

Date : XX/XX/2023 the amount of the loan {$23000.00}. The loan was paid off by my insurance company. Pay Status ; Account Paid in full. This has caused other financial departments to deny me another loan. Well-Fargo XXXX XXXX put Status as a Charge off on my credit Report. The status on my Credit report should only show current or paid off status.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Company reached out to claim that I have been offered a job and emailed me a check to deposit and then asked me to put it into a gift card. {$1000.00}. Impersonated company named XXXX XXXX using email XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

since XX/XX/2022 Credit score Account Removed XXXX XXXX XXXX XXXXXXXX A account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX XXXXXXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors.Credit Inquiry Removed A hard inquiry was removed from your file.

I previously notified that I'm a victim of identity theft and requested that you do the following close that unauthorized account remove any charges on the unauthorized account and take steps to remove information about this account from my credit files. I still have not received writing confirmation about this action as I stated before I'm a victim of identity theft and I recently learned that my personal information was used to open an account at your company I did not open or authorize this account. and I requested it it be close immediately please send me a written confirmation that I'm not responsible for charges on this account and take appropriate steps to remove information about this account for my credit files. I have enclosed a copy of my Federal Trade Commission identity theft report because the information you are reporting is the result of identity theft and inaccurate I requested you stop reporting this information to the CRA S as directed by section 623 of the Fair Credit Reporting Act 15 USC and I ask you to take this step as soon as possible I also have a enclose a copy of the Federal Trade Commission notice to the department of Child Support Services which explains your responsibilities when reporting information to the CRA s please start reporting this problem information and investigate this matter and delete any dispute item as soon as possible
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I'm sending my disputes letter to dispute problems with my credit report and they not accepting my letters to help me fix my problem of XX/XX/XXXX i send them off they receive them XX/XX/XXXX this is the third month i just send new ones off today i have tracking number im just trying to fix my credit report
Consumer complaint received 2023-09-14
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)

Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) | XXXX - {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX  | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX  | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX | XXXX - {$2700.00} XXXX | XXXX - {$0.00}
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc. (MI)

I hope all of you are satisfied in the taking my car without any notice late Friday XXXX, we never heard them and I hope your satisficed now that we have no way of getting anywhere, We had a funeral to go to on Saturday and we did not have any way of getting there, We are now trapped in our home with no vehicles and I am suffering from XXXX XXXXXXXX XXXX. I counted all of the emails I sent to GM and they were in the teens, I let all of you know that I was going to be late but yet all of you simply ignored every one of them. I thought this was rude, in fact, down right disrespectful and mean to take our car while we were sleeping, is this the way you work, being very sneaky. All of my belongings and important papers are in the car but yet you made the decision to have it towed away anyway without notifying me. I read that by the law you are to let me know if my car is in repo status, no one ever called or emailed me regarding this situation. Furthermore, we were going to pay the past due balance but I could not because you have me locked out of my account, how did you expect me to pay, did not give me a chance, but you rather take the car late on a Friday XXXX without our knowledge, which I think was wrong and it is a sneaky way of doing business. We have no idea how we are going to get the car back home ; my wife can not drive due to her XXXX XXXX and I do not have a way to get there, you had to choose the furthest destination which I thought was very unacceptable. 

I am very disturbed by your actions of repossessing my XXXX on a late Friday XXXX with all of my belongs still remaining in the car. I can not believe you would stoop this low to get my car. You have ignored all of my emails, which I sent every day to you regarding why I was late on my payments, you ignored the fact that I had a XXXX XXXX and XXXX XXXX XXXX you ignored the emails regarding my wife 's XXXX XXXXXXXX. I have no way of getting my car back, you sent an agent that is so far away now, we are now strapped to get the car back. We planned on making our past due payments today. I wanted to do it online but you have me locked out to do anything, I tried so hard to work with you to get this paid, but again all of you simply ignored my emails and none of you contacted me in writing notifying that my car was being repossessed, if I would have known this, we would have paid the past due balance. I tried to pay the past due balance on line but again you have me locked out. I am very disturbed with your actions, that you ignored everything I sent by email. I have no way to get to my XXXX and my wife has no way of getting to her XXXXXXXX XXXX just because of your rush to judgment to obtain my car.
Consumer complaint received 2023-09-14
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. (GA)

Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) | XXXX - {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX | XXXX - {$2700.00} XXXX | XXXX - {$0.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Genesis credit attempted to collect a debt from me and joint party XXXX XXXX from an old apartment complex. First XXXX was harrased and verbally abused at work by two employees from Genesis. They called him back to back while he was at work yelling into the phone when are you going to pay and then hanging up before he could speak. I sent a written request via email to have no further contact at that specific number and asked that the verbally abusive employee XXXX not contact us at all. We did not accept or make any settlement agreement with XXXX. He sent a settlement offer that we did not accept. I called Genesis and requested a supervisor which I received named XXXX XXXX. He said their legal department said they couldn't use the form I created but he was willing to accept my settlement offer as paid in full and request deletion from my credit report. I asked for proof in writing that if I paid XXXX it would be accepted as paid in full and deleted from my credit report. He said okay and emailed me a letter with no expiration on it saying he would accept my payment and req deletion. I paid XXXX on their website 2 days later. A week later XXXX the verbally abusive employee that harrased XXXX at work emails us an attempt to collect the remaining balance and did not request deletion as stated in the email supervisor XXXX XXXX sent. I filed two complaints. One with XXXX and one with XXXX. XXXX looked at my evidence and deleted this debt from my report and XXXX stated today that Genesis says the remaining balance is valid and they are not removing it. Genesis violated FDCPA each time they called XXXX at work screaming and then hung up and they are now trying to collect on a debt that they accepted XXXX as payment in full on and agreed to delete. They are reneging on the agreement made.
Consumer complaint received 2023-09-14
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. (NY)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
Product: Credit reporting, credit repair services, 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. (IL)

I never gave my written consent to pull my credit from the list provided blow. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (AZ)

I opened my loan on XX/XX/XXXX. On XX/XX/XXXX, their website stated the " today 's payoff '' balance of my loan was {$5000.00}. There was no indication of additional interest or fees. There was an asterisk next to the amount but it only stated that I needed to call the local branch to obtain a payoff balance for a future date. 

I paid the " today 's payoff '' balance in full on XX/XX/XXXX and received a final confirmation message on their website that " Your payment of : {$5000.00} has been applied to your account. '' I interpreted this to mean my account was now fully paid off. 

I later found that my loan wasn't paid off I'm accruing interest on the interest. The first time I spoke to them about the balance, I believe I owed them around {$100.00}. I told them that I paid the full payoff balance on their website and was told that they would investigate. 

The interest continued to compound over time and I hadn't heard back so I reached back out and spoke to someone at my local branch. I provided them with screenshots I had taken for my own records showing the " today 's payoff amount, '' my payment being made, and the confirmation page. Even with the proof that I paid the full balance, they stated they couldn't waive any of the remaining balance and I now owe them over {$130.00} if I want to close the account. 

I did pay the remaining balance today and received an email from the agent at the local branch as confirmation that is now paid off ; however, this whole ordeal felt very predatory and I'm grateful I had funds to pay off the balance so it didn't impact my credit score. I will never do business with this company again. 

Also worth nothing- now that I have paid off the loan, I am no longer able to access any of my loan documents on their website nor can I view my loan history.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$180.00}.