davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

There are inquiries that are on my credit report that have no knowledge of and are authorized by me. I have submitted disputes to Experian requesting if they were not attached to an open account and they refuse. I have asked have requested proof previously on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inquiries were made on these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In my initial complaint with number assigned : XXXX, I requested removal of all derogatory remarks on the account, including late payments for the months XX/XX/XXXX and XX/XX/XXXX and {$1000.00} per FCRA violation. Experian has responded with an update and annotated notes according to their reinvestigation that does not resolve or respond to any of my complaints. They have updated my report with The item you disputed has been updated, which may include an update to the disputed information. Please review your report for details. I have attached the report to this complaint for the CFPBs review. 

The FCRA OR 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian fails to exercise their responsibilities with fairness, impartiality and a respect for my privacy by not responding to the initial complaint and simply updating the account with no due diligence.

15 USC 1681a ( 2 ) ( A ) ( i ) states exclusions from consumer reporting which includes report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history is illegal and 15 USC 1681 ( 5 ) states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years should be excluded from consumer reports. The account is in an adverse condition and they even have it listed as a potentially negative item that is being reported.

Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I demand the late payments be removed, and to be compensated {$1000.00} per FCRA violation.

Attachments : CFPB Complaint/Experian Response
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (MI)

XXXX internet offer 's Third Party Router service for home recently Sold. New owner 's transferred service into their names. XXXX notified that router would transfer to new Owner 's service. I have called into to XXXX ( no clue if this is a legitimate company, as they wont identify. ) Robot answers phone, can't understand anything said. Asked for Customer service, it transfers you to a line for a brief waiting period where it then states " There is no one available to take your call. '' Website is provided but the recording is 100 % indistinct and can not be understood. Phone number for initial follow-up was texted in a photograph to me ... XXXX. Not once have I been forwarded written notification of this issue. When cancelling my last service at XXXX they were given my new address. It is {$59.00} I suposedly owe, and If in fact I do I will gladly pay, but I will not be taken advantage of by a company whose act of reaching out is predatory in nature. I work for a XXXXXXXX XXXX  and will pursue this to it's full extent.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This account was opened fraudulently. I DID NOT OPEN THIS ACCOUNT. I ldid Not discover this until I used a visa card XXXX sent to me XXXX XXXX see attatched USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX, XXXX see attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL INSPECTOR USPS ( post office ) DELIVERIES NOT MADE. see attatched USAA DOCUMENTATION XXXX case XXXX Kindly Note ( CLEARLY NOT ORDERED FROM MY IP ADDRESS = means UNAUTHORIZED ). & ( CLEARLY NOT MY SHIPPING ADDRESS = means GOODS NOT DELIVERED INTO MY HANDS. ) see attatched Company Response to CFPB USAA XX/XX/XXXX HOLDING ME LIABLE FOR {$470.00} XX/XX/XXXX transactions. see attatched CREDIT CARD FRAUD CLAIM LETTER XX/XX/XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA HAS PROVIDED ZERO ** NO PERMANET CREDITS. see attatched the 5th work order results after 2 years. REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX. XXXX NO FRAUDULENT ACTIVITY FOUND ON THIS ACCOUNT. ( *** USAA REVERSED {$3000.00} CREDITS USAA NEVER PROVIDED XXXX USAA OPENS ACCOUNTS I DID NOT AUTHORIZE.
Consumer complaint received 2022-10-29
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)

XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED 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 wrong person hands.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Automotive Partners Funding (AZ)

Automotive Partners Funding ( also doing business as XXXX XXXX on my credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX In regards to account number : XXXX This was an auto loan I was second signer on for my ex-spouse. We divorced in XX/XX/XXXX and in the decree my ex-spouse kept that car and all associated debt, then later that year my ex allowed that vehicle to be repossessed and then skipped out on the debt. 

In XX/XX/XXXX, a law firm in XXXX, AZ, contacted me on behalf of this creditor and despite the divorce decree, insisted that I must pay the debt anyway or have my wages garnished. I have good credit habits, so in order to protect my credit, I negotiated a settlement with them of {$5000.00} to ensure the account never went on my credit as a garnishment or unpaid debt. This account was " settled in full for less than the balance owed '' on XX/XX/XXXX. I obtained a letter from the legal firm, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX - ( XXXX ) XXXX, stating this fact. I thought it was done and behind me. I have attached that letter to this complaint. 

Unfortunately, this loan company has persistently attempted to put this back on my credit report ever since, sometimes posting as a charge-off, other times posting as still owed debt of $ XXXX, and most recently in XX/XX/XXXX, they posted it on XXXX  as a COLLECTIONS account with $ XXXX owed on it. I have repeatedly disputed this and had it removed multiple times. Each time, it is gone for a while and then it comes back again. I have attached an image of how my report looked in XXXX with XXXX due and as a PAID CHARGEOFF ( which is how it looked after I last disputed it ) and another image of how my report looks now in XXXX, where they have now reversed and posted it as a COLLECTIONS account owing {$10000.00}. 

This has got to be illegal? It is false information that is being put on my credit report. They know it to be false information and keep posting it. I settled up with them in good faith and did the best I could by them for a debt that wasn't even mine. They are not honoring that settlement and are harassing me via my credit report ever since. 

XXXX XXXX ( formerly XXXX XXXX )
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (CA)

My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX   XXXX {$250.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXXXXXX {$250.00}
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I rented an apartment at XXXX XXXX XXXX ( XXXX XXXX   XXXX ) from XXXX of XXXX to XXXX of XXXX. The lease stated that a visual inspection of the home would be performed at the conclusion of my lease and stated that it would be performed using a blacklight since I have pets. As such, when I moved into the apartment, I performed an inspection including using a blacklight. I did not on the move in form that there were several stains on the carpet which they said they would resolve. 

When I went to move out, they brought in a carpet crew to lift the carpet and review the underside. This was NOT stated in the lease that this would be a means of inspection or I would have demanded the same prior to moving in. They identified a stain that could not have been caused by my dog since I moved my furniture into the home before I brought my dog and the stain was always covered by furniture the entire time my dog lived there. She died only 2 months into the lease. 

After my lease was terminated, at the end of XXXX, I was contacted from the apartment complex front desk staff saying that they had mailed me an invoice and that it was due. I had never received an invoice nor do I feel that I am liable for a stain that was not caused by me, nor was I ever given adequate ability to inspect. They told me they were promptly turning my debt over to collections. 

On XX/XX/XXXX, I was contacted by Genesis and told they were hired by XXXX XXXX ( the owners of the apartments ) and that they were collecting {$1300.00}. I promptly contacted them and told them I was disputing this as I don't believe I owe as XXXX violated the terms of their lease agreement. 

I had my attorney reach out to them. On XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX sent a request for records and a formal dispute. The collections company did not reply. My attorney subsequently sent in supporting documentation and again got nothing. 

A collections appeared on my credit report in XXXX of XXXX.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$64000.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (TX)

There has been a theft robbery and burglary cases involving me lately. My XXXX   XXXX me with XXXX and XXXX my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an XXXX took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX and a numerous others. Please as she remove these negative items.
Consumer complaint received 2020-06-17
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. (GA)

Listen EQUIFAX ... how many times do we have to continue to do this ... I have proven that I have been a victim of IDENTITY THEFT and have supplied all supporting documentation..so explain to me why this same account which was already deleted has found its way back onto my credit report! I have NEVER lived in XXXX, GEORGIA ... .I LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX GEORIGA XXXX and have been there for 5 years, and prior to that I was at XXXX XXXX XXXX XXXX XXXX Georgia XXXX ... PLEASE ... .PLEASE ... PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND PERMANENTLY! 

XXXX XXXX XXXX # XXXX {$2000.00} THIS ACCOUNT IS FRAUDULENT, IT IS NOT MINE, IT DOES NOT BELONG TO ME, AND IT IS KILLING MY CREDIT RATING.
Consumer complaint received 2020-04-06
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. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have requested XXXX XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the 2 disputed accounts. 

Also, Equifax failed to comply with FCRA and investigate my dispute claiming ( in my earlier CFPB complaint ) that they " didn't receive my authorization '', even though I provided them with my last 4 digits of SSN,  name and date of birth. To prevent them from doing it again I attach a copy of Equifax credit report showing the disputed accounts. 

Please investigate and delete these false disputed accounts.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}