davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (NV)

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to XXXX and XXXX. 
XX/XX/XXXX Experian. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to Experian. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. Experian has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.
Consumer complaint received 2024-03-18
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 5th 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, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BV XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-21
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. (KY)

Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (TX)

experian violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence
Consumer complaint received 2018-12-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from XXXX XXXX XXXX , XXXX until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX  XXXX XXXX and all the other Financial Institutions. I spoke with XXXX  XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, 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 a account without my written instructions
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (AZ)

I have been a part of the Equifax XXXX XXXX and I am trying to protect myself from being a victim of identify theft because my information has already been leaked. I am protecting myself from potential risk.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX violated my rights I have not supplied proof under the 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.
Consumer complaint received 2023-05-02
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)

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 in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

I set up a payment arrangement 2 weeks prior & I paid my car note the same day It was repossessed unknowingly. When I inquired, I was advised there was no documentation.My main concern is the integrity, motive of all individuals that work for this organization, & the customer service is extremely poor. I was ordered to cancel my payment & pay again before my vehicle could be released. 

Prior to the balance being re-paid in full, I scheduled an appointment Per XXXX XXXX website to pick up my vehicle the next day. The repossession refused to release my Vehicle even after accepting payment. They then released my vehicle 3 days later & demanded I pay an additional {$370.00} for storage fees, because of their error. There was never a delay in my response and I was cooperative in the process of the recovery of my vehicle ; before, during and after work ; in which caused my mental health condition to worsen. I have recorded phone conversations and emails. I stayed in communication and was forced to pay additional charges and inconvenienced financially. I was verbally attacked and belittled by several individuals within the organization. Each time I request for management to pull a phone call and or review notes from what previous agent promised, their response was, they have no record of the information and refuse to assist professionally, and responsibly. They also wouldnt release my vehicle upon arrival until I signed a document ; confirming I received personal property. The same day, I immediately notified both the finance company American Credit Acceptance , XXXX XXXX & XXXX XXXX XXXX about the mechanical damages & visible damages to the body of my Vehicle. I then spoke with XXXX XXXX, who request I send in proof of repairs ( mechanical repairs ) & pictures of my Vehicle as proof my Vehicle was in good condition to be reimbursed. After receiving documentation of the condition of the Vehicle, she proceeded to rebuttal & make excuses why they were not paying for the damages they caused on my car & or the mechanical issues. All documentation & pictures were proof there were no issues with the vehicle both the body and mechanical. Since then Ive been paying out of my own pocket for the damages they caused.
Consumer complaint received 2023-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report regarding account # XXXX, the Charge-off account from XXXX XXXX. I believe that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation into this matter. 

I request the immediate removal of account # XXXX, along with all related late payments, from my credit report. These items do not accurately represent my credit history and are adversely affecting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected.

2. The right to receive a complimentary copy of my credit report once every 12 months from each credit bureau.

3. The right to dispute any erroneous information with the credit bureaus and have them perform a fair and timely investigation.

4. The right to know the sources of information that contribute to my credit report.

I expect you to handle this dispute promptly and in compliance with the law. Kindly provide written confirmation once the investigation is complete and the disputed items are removed. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-28
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. (SC)

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX XXXX  Opened XXXX {$300.00} XXXX Opened XXXX {$400.00} XXXX XXXX Opened XXXX {$420.00} XXXX XXXX  Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX  XXXX Opened XXXX {$620.00} XXXXXXXX XXXX XXXX Opened XXXX {$850.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX Opened XXXX {$1100.00} XXXX Opened XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Currently on-time XXXX XXXX XXXX XXXX  Currently on-time XXXX Missed Other loans XXXX XXXX XXXX 
Currently late XXXX Missed XXXX Currently on-time XXXX Missed Inquiry details XXXXXXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  ( Retailer ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Hotel and travel ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Home shopping ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and travel ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX error XXXX days late {$250.00} XXXX  error Needs attention {$3500.00} XXXX XXXX XXXX XXXX attention {$1100.00} XXXX XXXX XXXX error Needs XXXX {$1100.00} XXXX XXXX error XXXX XXXX {$1000.00} XXXX XXXX error XXXX XXXX {$990.00} XXXX XXXX XXXX, error Needs attention {$850.00} XXXX XXXX XXXXT error Needs attention {$620.00} XXXX XXXX XXXX XXXX Needs attention {$540.00} XXXX XXXX  error Needs attention {$480.00} XXXX XXXX error XXXX XXXX {$420.00} NCA error Needs attention {$400.00} XXXX XXXX error Needs attention {$300.00} XXXXXXXX XXXX XXXX 
error XXXX days late {$3600.00} XXXX error XXXX days late {$1800.00} On time XXXX XXXX 126 % credit card utilization {$620.00} XXXX XXXX XXXX % paid off {$5500.00} XXXX XXXX XXXX % paid off {$1800.00} XXXX XXXX XXXX % paid off {$1500.00} XXXX 0 % credit card utilization {$0.00}
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My experience with XXXX XXXX  has been terrible. They falsely reported a 30 day late, as well as a 60 day late for the month of XXXX and XXXX of XXXX. I contacted them and requested they review and confirm and then accurately report and remove the delinquencies which were effecting my ability to qualify for financing and placing me in a potential position to lose my earnest money deposit with the builder constructing my home. I spoke with several supervisors over the course of months, in attempt to resolve, one time after another ... each was friendly confirmed the inaccurate reporting and promised a solution. The first time they advised me would take up to 30 days to remove the inaccurate reporting. The supervisor from XXXX confirmed that they would remove both delinquencies across all three bureaus. She sent the request to their " credit reporting dept '' They confirmed that it should not have been reported late, as I had a balance of XXXX and the only amount on the card was a fee added from them which goes against company policy to report. Great, I thought it would be removed. Time passed they only removed one account off the three bureaus which they later added back on. They sent me a letter to confirm that they had updated it and the delinquencies reported would be corrected. Since this was not done properly. I called again, they said they didn't know why this happened. They said they would put a rush on it, apologized, and stated that they would remove the false reporting from all three bureaus again sent me a letter. The lender was able to use the letter to remove the false reporting thru a third party that completely what is called a rapid rescore however, XXXX added another late for a different month from XXXX of 2022 ( this was also false ). Then when the credit was eventually hard pulled, the false reporting for XXXX and XXXX of 2022 had been put back on there! I called them again and they said the same thing sent me another letter and then they removed one of the two delinquencies off of one of the bureaus. Then within days they re-reported the false negative information but, removed the XX/XX/2022 late they had reported but this time they added another false late for XX/XX/2022! I did not call them again however, a month later they removed the XXXX late. At this point XXXX and XXXX are reported accurately but XXXX and XXXX the originally false reported month are back on there and are effecting my credit. This is causing extreme anxiety and placing a huge XXXX deposit with this builder at jeopardy. Meaning, that I am outside of my financial contingency with them ( XXXX ) if I can not get this corrected in time, they are entitled to keep my deposit and will. I have the credit reports from most pulls to prove what I am saying is factual as well as the letters that they sent me.
Consumer complaint received 2022-10-21
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.