davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (TX)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$3200.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?
Consumer complaint received 2024-04-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On my credit report it is showing an account with your company whom I never did business with.I am unaware of this debt, I was not given the opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide me the certified mail with the receipt with my signature on it stating that I received it. 

The company responded stating they had acquired the debt " sometime around XX/XX/2021 and sent a letter on or about XX/XX/XXXX but failed to provide me with my requested certified mail with the receipt having my signature on it stating I received said notification ''
Consumer complaint received 2023-02-24
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: Westlake Services, LLC (AL)

in 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 an account without my written instructions.
Consumer complaint received 2023-03-09
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. (GA)

Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reached out to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (NC)

I received my Experian credit and dispute results on XX/XX/XXXX after reviewing the document. I noticed that the information was inaccurate. As I attempted to dispute the information online. I was prompted to call customer service to dispute the error. I called the Experian customer service representative and was advised that the information would be removed after investigation. I received results and the error wasn't removed. It took the credit bureau more than 35 days to address the issue.Several months went by and I still was experiencing delay, denial and loss from this error. Just to discover after calling on XX/XX/XXXX that the SS # error was still on my credit report. 
That violations my rights occurring to the law. 
15 USC 1681i ( a ) ( 1 ) ( A ) : 15 USC 1681 e ( b ) 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) & ( b ) 15 USC 1681n
Consumer complaint received 2024-01-09
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. (OH)

I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. Ohio department of human services XXXX XXXX XXXX XXXX - 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-02-23
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. (NY)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (SC)

On or about XX/XX/XXXX, I received a notice from XXXX credit reporting agency that a collection for past rent was place on my credit report by Hunters Warfield for XXXX at XXXX XXXX, causing my credit score to lower by XXXX points. I never received a notice from Hunter Warfield or XXXX at XXXXXXXX XXXX  prior to them reporting this on my credit report, which is a violation of the Fair Debt Collection Practice Act that regulates third party debt collections. 

On or about XX/XX/XXXX, I spoke with the property management XXXX XXXX about moving out because of the 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 from my bedroom window. 

After our conversation, the property manager XXXX XXXX email a letter referencing our conversation and stated that she were sending a new lease agreement to me by email because my current least was expiring on XX/XX/XXXX, and it was XX/XX/XXXX. 

If a new lease agreement is not sign by end of old lease agreement. An additional {$300.00} would be added to current rent. Making residents renting on a month-to-month bases, which would increase the rent from {$1300.00} a month to {$1600.00} added onto the old least agreement. ALL residents would consider renting on a month-to-month basses. 

I feel this is why a new lease agreement was not sent to me because the property manager was trying to get me and the other residents into a month- to- month situation. 

After several months have passed and no new lease agreement were sent out to me. I reiterated to the property manager XXXX that since she never emailed a new lease agreement that it was obvious that she did not want me as a resident or trying to put me into a month - to- month situation. 

So, we schedule a walk through inspection with her assistance manager and the apartment was very clean, and I handed over the keys. This is why I am somewhat baffle to having a collection reporting on my credit report for {$1500.00} after not receiving a new rental agreement or a collection notice from Hunters Warfield or XXXX at XXXX. 

Maybe I would have split the different or come to agreement. I feel not receiving a collection notice from XXXX at XXXX or Hunters Warfield has violated my civil rights and Federal and state laws. I pray that Hunters Warfield and XXXX at XXXX be fine and penalize and this collection be order to be removed from my credit report immediately. Thank You
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete XXXX.
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA (NC)

I paid off the Yamaha motorcycle on XX/XX/2022. I was told I would receive the title within 30-45 days. I never received the title. I have tried calling multiple supervisors and have been told in XXXX and in XXXX that they still have the account in an " open '' status and that they needed to mark it as " closed '' and will send me the title. When I try to call them back the supervisors don't answer my calls and they still have this in an " open '' status and have never mailed me my title.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

I did have a XXXX XXXX XXXX  Account which I pretty much abandoned due to personal problems. However at the time my credit limit was only {$5000.00} and my balance was somewhere around {$3000.00}. I am disputing the amount of {$13000.00} that is showing on your account because that is not the amount of my debt. 

I mailed a letter around the end of XXXX. I tried to online chat about the same time and then I called them to file a dispute but I have not heard anything from them since. 

They bought this debt from XXXX and they placed the collections on my credit report but they are not trying to pursue the correct amount.
Consumer complaint received 2024-04-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AZ)

Supposed cell phone account was created using partial information from my account. Police and I suspect that the debt collector is the actual fraud perpetrator. 
The account was created in XXXX XXXX XXXX I thought the issue was resolved but I recently received another notice from the same collection agency. 

I.C. Systems Inc. XXXX XXXX XXXXXXXX, MN There is no actual debt on my credit report nor do I own the phone or have the cell number that the notice referred to. " XXXX XXXX '' was the name of the phone company mentioned in the letter.
Consumer complaint received 2022-12-12
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)

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-12
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. (NY)

On XX/XX/2021 I noticed a hard inquiry on my Transunion credit report from XXXXXXXX XXXX. I have never applied for anything with XXXXXXXX XXXX. I have on numerous occasions sent letters to XXXX XXXX about removing the unauthorized inquiry from my credit report as well as Transunion. I've been doing this for over a year now and nothing has been resolved. This is a form of fraud and I can't see how is it this difficult to be resolved. I also wasn't aware that a bank can just not respond to you.
Consumer complaint received 2024-04-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (NJ)

I dont owe anything to community Medical Center where I work I dont owe {$120.00}. I spoke to the billing department I dont owe anything I was told by ICC systems not to communicate with me at all and theyre sending me text messages its against that I told him to stop I dont want to be harassed. I dont owe anything as for the CEO of the hospital system I dont owe anything that bill was paid
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX  and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take XXXX  to court for these illegal and shady business practices.
Consumer complaint received 2020-08-17
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. (VA)

Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed immediately.
Consumer complaint received 2021-12-22
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. (NV)

I have sent documentation to have this bankruptcy that is incorrect on my Transunion credit report removed. The bankruptcy on my Transunion credit report could lead to further damage to my credit report. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts to Transunion. Transunion stated they " VERIFIED '' the bankruptcy with the courts and that is false and a lie. I have attached the letter that was received from the bankruptcy courts stating they DO NOT/DID NOT VERIFY report to credit reporting agencies nor do they report to third party agencies. Transunion response is false and a lie! I have attached the response I received from the bankruptcy courts with this dispute. Remove the erroneous/incorrect bankruptcy from my Transunion credit report. As a consumer I take pride in making sure my credit is correct. I will be seeking legal assistance if this issue is not resolved! Civil penalties, including nominal damages, actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with Transunion.