davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (UT)

I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance was paid in full for XXXX XXXX still shows on my report a balance of XXXX I HAVE DISPUTED THIS ON MY CREDIT REPORT and they still refuse to update accuracy on All 3 bureaus.
Consumer complaint received 2022-09-05
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)

The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.
Consumer complaint received 2020-12-19
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: Experian Information Solutions Inc. (NV)

I submitted a dispute to Experian, XXXX and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I recieved a text from on XX/XX/22 at approximately XXXX XXXX  from PNC bank saying my debit card was place on hold.. I called the number provided. Gave SS number, card number, PIN, security code. 
Then realized i was scammed..
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NC)

Securities Fraud and Breach of Contract. On XX/XX/XXXX, I sent the amount of {$15000.00}, via mail as prepayment/credit on my personal wireless account to XXXX XXXX corporate offices. XXXX did not credit my account. I sent an additional amount of {$2700.00} on XX/XX/XXXX to remittance center in XXXX, XXXX, XXXX did not credit my personal wireless account. On XX/XX/XXXX I spoke with a XXXX service representative concerned about my service being disconnected, and was told she would note the system so my phone would not be turned off. On XX/XX/XXXX, I received text messages to make a payment. On XX/XX/XXXX, I emailed a Notice of Dispute and Arbitration regarding credits for the account, and received no response. On XX/XX/XXXX after XXXX received my Notice of Dispute and Arbitration, my personal/household wireless phone account service was disconnected. I am being force to make online payments via floating rate notes.
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellantis Financial Services US Corp. (IL)

On XX/XX/XXXX. XXXX  I noticed as I was looking over my credit I noticed there was an auto loan that I was unaware about. Overtime I've received calls and emails from Stellantis financial services about this but I never really sat down and paid it any attention until now because it started to affect my credit. During this time I received paper mail from the company and emails about missed payments. Now that I'm looking more into it I believe there has been an identity fraud theft because I've been receiving notices about car tickets in my name under this cars information. I am taking the proper precautions to get this taken care of because this is an unfortunate circumstance and is affecting my credit and causing me debt.
Consumer complaint received 2022-11-16
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. (LA)

XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sent certified letter # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-06-15
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. (TX)

I sent letters to XXXX, TransUnion, and XXXX during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello! Im writing about an issue Im having with Experian.

First, my legal name was changed over three years ago. Ive sent them certified documents through the mail at least three times and for some reason my old name keeps reporting on Experian? They wont update it and refuse to let me file a dispute about it online. I would like my name to be updated to match my current legal information so I can apply for credit cards without being flagged.

Second, there are three closed accounts showing on my Experian credit report. I asked them on multiple occasions to verify the correct dates and amounts for the closed and charged off accounts, as both the date and amounts are different across all three bureaus. They SAID they verified the accounts but when I asked them to provide proof of said verification, they refused to present it. Can the CFPB possibly look into the validity of their claims and provide me with the proof of verification and an update to my name? The accounts in question are as follows : Account name : XXXX  XXXX Account number : XXXX ( credit limit : {$600.00} ) Account name : XXXX XXXX Account number : XXXX ( credit limit : {$300.00} ) Account name : XXXX XXXX XXXX Account number : XXXX Im just trying to have a uniform credit profile across all three bureaus, so I know what Im working with. If Experian can not prove how exactly they verified this information, which is my legal right to know, then I would like to have these accounts removed from my report completely for their inaccuracies. Thank you very much for your time!
Consumer complaint received 2023-05-17
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. (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. XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry
Consumer complaint received 2024-03-05
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-02-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NC)

This loan was a consolidation of XXXX, then it was a XXXX XXXX XX/XX/XXXX. Was only support to be one they given me both. They correct it, but not on paper.They loan when to XXXX XXXX ( XXXX ) Then they changed it to Mortgage line of credit. Then I filed for bankruptcy ( XXXX ). My husband passed away and I filed for XXXX  XXXX. Then it when to Sn servicing then it changed to a Mortgage. They foreclosure on the property they don't owe.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (CT)

UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX GATESTONE & CO had 30 days to validate a debt ACCORDINGLY under 15 USC 1692g and my letter sent and have failed to validate the debt. GATESTONE & CO has instead responded with BANK STATEMENTS which is not sufficient evidence of a debt according to 15 USC 1691g and FEDERAL CASE - XXXX XXXX  FCU vs XXXX XXXX XXXX  has attempted to collect an alleged debt through obscene matters and is now in violation under 18 USC 892 for attempting to create extortionate extension of credit because a consumer credit transaction was created which comes from a FINANCE CHARGE under 15 USC 1605 where in fact is a SUM OF ALL CHARGES so any alleged debt coming from a FINANCE CHARGE is already paid for and any secondary collection on any extension of credit is fraud, obscene and in violation of 18 USC 1962 under RACKETEERING. GATESTONE & CO has failed to validate the alleged debt accordingly and IS STILL LIABLE for remedy under 15 USC 1692k and 15 USC 1644. I am willing to settle the matter one last time before matters escalate to litigation.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX XXXX account report 4 missed payments in XXXX XXXX XXXX XXXX XXXX XXXX missed payment all inaccurate XXXX XXXXXXXX business showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my balance