davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus asking them to verify some inaccuracies on my consumer report and I have yet to receive a proper response explain how were they able to verify some accounts that do not belong to me. It has been well over 45 days since I sent in the letters and I feel like I am being taken advantage of. I will take this matter to court and file for litigation if necessary. Please help me with this matter. These inaccuracies are holding my life up.
Consumer complaint received 2020-12-17
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. (NJ)

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (NY)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX ( personal loan payment ) has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information 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 15 U.S.C 1666 B my late payment was in fact a billing era
Consumer complaint received 2023-05-20
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-20
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. (NJ)

To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my third 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. 
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
Consumer complaint received 2023-05-20
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. (LA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (MD)

Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to XXXX that was recieving the payments due to the data breach.
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I recently went into my account to try and figure out why my balance is still so high after paying on this loan for 17 years. I see the initial balance at {$6500.00} on XX/XX/XXXX. On XX/XX/XXXX, it appears that I consolidated my loans with an ending balance of {$7100.00}. The history from XX/XX/XXXX thru XX/XX/XXXX is missing ( which I requested from AES, but never received ). My loan was transferred to AES on XX/XX/XXXX and now showing a balance of {$9900.00}. I did not take out any additional student loans at this time and do not understand how the balance increased by {$2700.00}. I 'm also certain that I made payments during this time, so this could n't be from accrued interest due to forbearance, but I have no way to confirm this since the history is missing. Going into the history details, it shows that I had an Unsub loan with an original balance of {$11000.00} with XXXX and a Sub loan with an original balance of {$2100.00}. This is obviously incorrect as you can see from the attached that my original total balance with XXXX was {$6500.00}, NOT {$13000.00}. Additional payment summary information shows that I 've paid a total of {$14000.00} in principal over the life of this loan. I was able to get a copy of my billing summary from XXXX along with my transcript that will show that I never took out student loans resulting in {$13000.00} in debt. I appreciate any assistance you can provide in helping me straighten this out.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My complaint is that the Experian Credit Reporting Agency has failed to update their records to reflect the fact that as of XX/XX/2022 ( XXXX XXXXXXXX ), XXXX account XXXX # XXXX ) was deleted and no longer being reported on my XXXX credit report. It has been XXXX whole year since its deletion. Experian should already know it was deleted because I subscribed to XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and they gave me information on all XXXX XXXX XXXX ( XX/XX/2022 ). This account had already been deleted from XXXX the previous year.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

On Sunday, XX/XX/2020, at approximately XXXX XXXX, I tried to withdraw {$60.00} from my checking account. The machine took an extremely long time but looked like it would ultimately dispense the cash. However, at the very end of the process, the electronic receipt appearing on the screen said, " Reversal '', and the cash was NOT dispensed. My account was charged {$62.00} ( which includes the merchant {$2.00} fee ), along with an additional {$2.00} which US Bank claims it charges for using a non-US Bank machine. Please note that this consumer realizes full well that ATM machines actually SAVE banks money by taking on the role of tellers. They should be paying us to use the machine. US Bank 's electronic system FAILED to note that it was a " Reversal '' ( I'm sure that electronic message had to have been communicated ) and DECIDED to take the money out of my account officially 48 hours later. The 24 hour delay ( it should have taken only the usual 24 hours to post ) meant that a dispute filing was also delayed for that time. No provisional credit has yet been issued, despite the infinitesimally small amount, and the only thing they will say is that I have to wait AT LEAST 10 business days. They are USING my cash, so will I then get the interest they are making on it while they hold it?
Consumer complaint received 2023-05-29
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. (VA)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-04
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-04
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-17
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. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (AL)

I've discovered a billing error!! 12 CFR 1026.13. I've noticed Regional Finance reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (CA)

Due to me being a victim of identity theft I spoke with XXXX at XXXX on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at EQUIFAX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting
Consumer complaint received 2023-05-29
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-02-06
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Risecredit, LLC (TX)

I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting XXXX Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selene Holdings LLC (OR)

On XX/XX/2020 I received a statement from Selene Finance for a property inspection for {$13.00}. I don't know why they inspected, what they inspected, who inspected and for what reason. I wrote them aletter on XX/XX/2020 requesting what the inspection was for, at what time and who did the inspection. I did not receive a response. 
I received the same type of bill on XX/XX/2020. I again wrote them requesting information as to what type of inspection, who inspected, time and date and the reason and still no response. 
The statement from Selene Finance states they are a debt collector.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/XXXXXXXX XXXX