davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

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 XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-07
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. (TX)

In accordance with Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights!

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C Section 604a A Section 2 It also states a consumer reporting agency can not furnish a account without my written consent These accounts do not belong to me
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested LexisNexis Consumer Center to reinvestigate these accounts : they haven't taken these names or address off my account. 

section 2 record 1, 3, 4, of the report 1. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX section 3 record 1 of the report 2. phone number XXXX XXXX section 1 record 1, 2, 3,4,5 of the report 3. XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if NO PROOF HAS BEEN SHOWN? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-04-28
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. (NY)

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (LA)

I would like to be provided investigation results and be provided validation of the accounts being reported on my credit report. It is my right as a consumer to dispute information that is inaccurate and false on my credit report, please investigate and send me my updated copy of my credit report to my current address. I will attach my letters regarding the information and accounts that I would like to be removed from my credit report below. I have unauthorized inquiries on my credit report that I have no contract or no affiliation with those creditors that's reporting on my report and other information that needs to be removed immediately.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I got a judgment from the XXXX XXXX XXXX in XXXX, Michigan, XXXX. Asset Acceptance LLC, said I owed them {$1300.00} and issued a lein on any property or any future property. On the Judgement it had the year XXXX. When I called the number to this Asset Acceptance the man I spoke with said it was for a outstanding XXXX  bill back in XXXX. So, I called XXXX after getting off the phone. I gave the lady my ssn and she saw nothing that I owed anything. I believe this company might be a loan company trying to get there money back. If so, it should be illegal to false documents and have it signed by a Judge. I very confused and upset about this. I currently rent and I am on XXXX for my XXXX. Can you please help me?
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 

XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

There are 15 student 's loans reported by XXXX XXXX to Experian Credit bureau with multiple discrepancies. Experian and XXXX unable to validate the loans. most recently I checked XXXXXXXX XXXX  website the loans on its website is XXXX, XXXX. Experian had reported XXXX on my credit. Multiple calls to XXXX XXXX XXXX and Experian with unsuccessful result. No one wanted to update the information.
Consumer complaint received 2024-03-11
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

My stimulus card was stolen. I filed a police report. I viewed a picture of the woman who completed the transaction I did not know her. I filed a dispute with eipcard/money network. They declined my dispute before I even submitted the forms. I submitted an appeal as advised. I called multiple times. I would get transferred, hung up on left on hold. Everyone would give me different answers to my questions. Nobody would give me information on their company so I could go up the chain of command. I requested multiple times why my dispute was declined. I spoke with someone yesterday and found out my appeal was declined but no one will explain why. I cant speak to that department. I cant speak to anyone who can help. Someone used my card on XX/XX/XXXX. I filled a police report my card number is XXXX XXXX XXXX XXXX. I Spoke to officer XXXX at the XXXX XXXX Police department at XXXX XX/XX/21. Case # XXXX dispatch number XXXX. I have tried and tried to resolve this issue. I am a victim of theft and this company refuses to do anything to resolve the issue. They have been extremely difficult to work with and impossible to get anyone helpful to fix this issue. Please please please help me resolve this issue.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in XXXX, I tried to get an apartment, and on the background check it said I had been arrested back in XXXX XXXX XXXX, in XXXX texas for forge check was not true, in XXXX I paid off the bad check which was actually my husbands, and I was living in XXXX TX from XXXX XXXX XXXX was not arrested and it costed me and my XXXX son to become homeless for about 6 months
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On or around XXXX XXXX XXXX my wife and I applied for credit at XXXX XXXX XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a XXXX and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XXXX XXXX XXXX I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Consumer complaint received 2022-12-05
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. (SC)

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.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.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX, Last XXXX of XXXX XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC (FL)

I purchased my car over a year ago in XX/XX/2022. I have tried working on my credit score and innovate loan service has not reported my payments not once in a whole year to the creditors. Therefore all this time my credit has done nothing. They refuse to fix it saying they are reporting when I have called all the Bureaus and there is no account of my car loan at all. They can not do this to people. It wasn't our chose to have this company. Now I'm the one being punished when I pay on time. Something has to be done. They do not let you speak to any one higher up in charge don't give any answers and don't care just taking people 's money. Horrible customer service. This has to be illegal I have read so many reviews now of it happening to so many people with this company
Consumer complaint received 2023-08-17
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. (TX)

I applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX.It is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP ()

My name is XXXX XXXX, I have an account at the US Bank. Im XXXX, living in XXXX XXXX in an elderly care home. Im physically only able to travel very short distances ( few XXXX meters ) by using a wheel chair. Money from my pension-plan is coming in on my US Bank account on a monthly basis. Since XXXX I have been trying to get money transferred from this US Bank account to my account in the XXXX. The US Bank is refusing to make this possible. They claim the only procedure is a wire-transfer which requires a visit to a branch in person in the US. Clearly this is no option. My son might be able to do this on my behalf, although it clearly is ridiculous to travel to the US for such a procedure. But that would require him to become a signee on my account. I was told adding him as a signee also requires me to visit a branch in person in the US. I have tried to make him signee by sending official paperwork, such as an existing notary statement. All legally translated and authenticated by a court in the XXXX. This should be legally accepted according to the XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XXXX which states that documents verified in this way should be accepted as official documents in de USA for private law. XXXX entered into force for the USA in XXXX. The US Bank refused to accept these documents. They claim it to be policy not to accept foreign documents. XXXX I stopped calling and emailing and sent a letter. The US Bank has still not answered. Not even a confirmation that they are working on the issue. The letter simply asks which procedure to follow to wire money and which procedure to follow to make my son a signee without having to travel to the US. If required can provide copies of emails and letters and official document if needed.
Consumer complaint received 2023-09-07
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. (TX)

CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless
Consumer complaint received 2023-09-07
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. (TX)

The applicable provisions of the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ), Pub. L. 108159 117 Stat. 1952, shall be effective in accordance with the following schedule : ( 1 ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX account XXXX XXXX,
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file