davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

On XX/XX/2018 I requested my free annual credit report from all three companies. I have some disputes about separate issues on two of the three accounts. When I tried to view my third account ( equifax ) the site refused to allow me entrance after verifying my identity. When I tried to re-enter all identity questions and was finished the site told me that I already viewed my account. I would like to view my account please?
Consumer complaint received 2023-07-21
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. (VA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-11-10
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax refuses to update my credit score that has changed there where several inquiries removed but they are still reporting my credit score before the inquiries were removed and they refuse to update my credit score and my Equifax.com never show your real score they removed items from your credit report but never update my score
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE TO OPEN THESE FRAUDULENT ACCOUNTS. I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THESE CREDIT REPORTING COMPANIES TO BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS AS I AM A VICIM OF IDENTITY THEFT.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX and Experian credit bureaus are resting a XXXX  XXXX that is reflecting on my credit report, information stating that XXXX and Experian claim the information was verified as accurate through the XXXX  XXXX courts. 

I have sent in numerous of times a certified letter from the XXXX  XXXX court that it clearly state that the XXXX  XXXX courts to not share or report any information to any credit bureaus but they refuse to remove or have written information of verification of this.
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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I was told by credit acceptance that my auto loan didn't report on my credit due to a dispute they received from XXXX on XX/XX/2022 in allegations of fraud which has not been proven legally be either parties and by law credit acceptance is legally required to report my paid in full auto loan on my report
Consumer complaint received 2022-11-10
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. (PA)

I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX  XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

I have received repeated calls from the Midland Credit Management, and each time I've informed them that I do not wish to be contacted by phone, only through written correspondence. On XX/XX/2023 I received five calls from them as of XXXX XXXX. On the last call, the agent used a blocked number and claimed to be calling from the " Treasury Department '' and it sounded like she was trying to use a different voice.
Consumer complaint received 2022-11-10
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

An account was opened in my name and it shows the account opened with my information but with a different birth year. My ID has been stolen on a few different occasions and it looks like this account was opened without my consent. 

The account that was opened shows my age at the time that the account was opened as incorrect. There is a phone number on the account that is not mine. The signature on the account when it was opened is signed electronically and it is just scribble and could be signed by anyone. 

I had a few documents come in the mail from the company but I thought they were just advertisements and didn't even open the documents. I was served with papers saying I was being sued by this company and had no knowledge of the account.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

I've dispute certain information present on my credit reports provided by XXXX and Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ). I request a thorough investigation into the discrepancies and the prompt removal of the disputed items. They still continue to report this on my credit report. This was closed on all three Credit agencies and then place back on my credit report without notification. 

Upon reviewing my credit reports obtained from XXXX and Equifax, dated XX/XX/2024 I have discovered that child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. 

I understand that consumer reporting agencies are required to maintain accurate and up-to-date information on consumer credit reports, and including non-credit related information such as child support obligations is a violation of federal law. 

Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal. I request that XXXX and Equifax conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify this error. 

In accordance with the FCRA, I request that both XXXX and Equifax provide me with written notification of the results of the investigation and any actions taken as a result. Additionally, please provide me with an updated copy of my credit reports reflecting the corrections made after the investigation is complete. 

I trust that you will take the appropriate action to rectify this error and ensure the accuracy of my credit reports.
Consumer complaint received 2024-04-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2023-09-27
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. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America account was accessed at on XX/XX/2021 XXXX The transaction posted on XX/XX/XXXX ) {$240.00} was illegally taken from my account at the XXXX XXXX in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX XXXX When they took this {$240.00} it emptied my bank account and then when legitimate bills were paid the bank assessed several overdraft fees. 

My Bank of America account was accessed a second time on XXXX XXXX XXXX This transaction posted on XX/XX/XXXX XXXX This time {$220.00} was taken. The Thief again accessed my account at a XXXX XXXX, this time they use the branch in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX ) When I spoke to a representative at the bank they said they contacted XXXX XXXX on the first claim but XXXX XXXX did not respond. There is no way they can legitimately arrive a the conclusion that I or anyone I authorized made these charges as they claim. Again, let me be clear - both of these were thefts - I did not make these charges nor did authorize anyone to make this charge at XXXX XXXX. 

I have made a report for fraud and Identity theft with the XXXX Police Department - File Number XXXX
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (OH)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I received my debit card today and when I tried to activate it with my PIN as requested, I was told the PIN was incorrect ( it wasnt ). When I got home I tried to login to my account and it said my password was wrong ( it wasnt ). I then tried lost password and it said my username didnt exist. I called Truist and was told my account is frozen, I have to visit a branch immediately and that I would never be able to withdraw funds from this account. These thieves have stolen my money!
Consumer complaint received 2022-11-10
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. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (MI)

XXXX/ATLS/FORTIVA MC are reporting to the credit bureaus missed payments. Also they are reporting payments that were made that were never made. The account was reported closed. So im not sure why missed informed information are being reported.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was told by capital one both my accounts were closed after. Paying both cards off XXXX found out attempting to rent a car. I could not use the card. One of the cards that they stated was closed was used months prior to secure a hotel reservation. Upon finding out the accounts were closed I used a paid debit card exiting the hotel. I do not know how that card was charged. They can check their hotel cameras. I had to use my sons pay pal to secure the car rental that day for my youngest son college trip. I remember this day because I was devastated and shocked I could not use the cards for the car rental because I was not aware my accounts were closed by capital one and I thought I wasnt not going to be able to make the trip with my son.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.