davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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. (NC)

Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-30
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: LEXISNEXIS (WA)

LexisNexis is incorrectly reporting a balance due in the amount of {$65000.00} on a tax lien with the XXXX COUNTY COURT File # XXXX and Ref # XXXX. ( Please see page attached from my credit report. ) This judgment has been satisfied and paid in full. I have attached a copy of the Certificate of Release of Federal Tax Lien filed XX/XX/2019. LexisNexis continues to report this tax lien on my credit report. Since this Federal Tax Lien was satisfied, it should not be reporting any longer. The fact that this is still reporting is a clear violation of the Fair Credit Reporting Act. Under the F.C.R.A. I have the right to dispute incomplete and/or inaccurate information on my credit report. LexisNexis has failed to remove this item despite the fact that I have provided them proof, from the Court, that this tax lien has been satisfied. In addition, LexisNexis has been entangled in a class action lawsuit wherein they were selling consumer information to debt collectors to assist them in collecting debts without treating these reports as a consumer report within the meaning of the F.C.R.A. This continues to show a lack of due diligence in removing inaccurate items on a credit report in a timely manner. I have contacted XXXX County Court, as well as LexisNexis, to remove this item however, I have not been successful.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

Equifax ; XXXX and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I went to Oportun Loans Store Location at their XXXX XXXX Store location In XXXX XXXX, Tx on XXXX XXXX to re apply for loan credit after I has paid off my remaining balance of {$220.00} on XX/XX/XXXX from the loan amount I has borrow on XX/XX/XXXX of the loan amount {$500.00}. And was told I can not re apply for any loan credit with Oportun Loans by loan representive after I had made all my monthly payments in full and paid off my total loan in full. And was told Oportun Loans donot offer Loan credit to XXXX people customer after they is had paid their total loan in full and was denide and chance to re apply for loan credit after I hath paid off my loan credit in full
Consumer complaint received 2020-12-30
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. (NY)

Had disputed balance with XXXX Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. XXXX neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, XXXX failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to XXXX regarding this matter and his letter has similarly been ignored, no reply or response
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (MO)

This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2020-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a used vehicle on XXXX XX/XX/XXXX. XXXX XXXX XXXX with very low mileage. I had to wait to get the vehicle for approximately 2 weeks while a new engine was installed. At this time I had signed a bunch of paperwork and I was pleased with the service that I got from the dealer. Unfortunately, I may have been given the information about the lender ( contact information ) how who and how to contact the lender. 
I when XXXX  for 90 days of XXXX. I did not take my cell phone overseas for security reason. 
I returned in country around XXXX XXXX and almost immediately had to have XXXX to repair XXXX   XXXX? Soon after returning the vehicle was repossessed later night on XXXX XX/XX/XXXX. Going thru on excessive mail I found some mail from Santander Consumer. I created an account with them and logged in. Their site said that I owed {$1500.00}. I immediately tried to call them, offices were closed until XXXX CST. I called Santander at XXXX XXXX. After going thru their phone prompts I was connected with their representative. After providing with my information< I was informed that once the vehicle was repossessed that only option I had was to pay off the entire {$13000.00} and they would send me the title. At this point I explained my situation and that I had made the due account on their website. I was told that there were no other options except paying off the entire amount due and getting the title. I explained that I paid what their website was due and their reply was " who told you to make the payment? '' I related that their website did. I was told to stop the payment, I was unable to and my bank related that they would have to refund the money. I called back was informed that they would not return my funds and that it would be applied to the due amount. This made my account up to date and has a amount and due date for my next payment on XXXX XXXX! No way to resolve the repossession, no return of my funds and that I am basically XXXX!
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no means of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2022-12-24
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. (GA)

Recently after pulling my credit report I noticed Transunion re-inserted two previously removed accounts on my credit without properly notifying me within 5 days by mail that they were doing and nor the reason. Due to the EXTREME violation of my rights under the FCRA LAW Part ( A ) ( 5 ) ( B ) ( ii ) to avoid LITIGATION for failure to notify me of the re-insertion of the following items I expect them removed permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX were removed from my credit report in XX/XX/2022 and recently added back with no communication whatsoever. 

This notice shall also be sent via certified mail to companys address.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Hello, My name Is XXXX XXXX. I have contacted this company for over a year trying to get this debt validated or show some proof that I owe the amount that they are placing on my credit report. I have been dealing with this company called National Credit Sytems Inc. regarding a balance of {$1900.00}. I have sent numerous of certified mail letters requesting valdiation that this debt belongs to me. This company has only responding with a lease for an apt I stayed in for one lease year. I have been in contact with a XXXX XXXX that works for this company. I informed XXXX  through letters and verbal that this debt is incorrect and does not belong to me. The lease they sent as an attempt to validate this debt is from the year XXXX but the debt they are charging is from the year of XXXX to an apt . I did not reside in. I have reach out to the apt complex who has told me they are under no management and do not have no record of this debt. I requested a lease from national credit systems showing these charges were accrued from my apt . They could not do so and when i requested this debt be removed due to lack of validity she stated she did not have that authority to do so as they were hired by the property management company during my stay ( who no longer manages the property ). she told she would need to inform them of the findings and see what they wanted to do. I informed her it is against the law to place a collections on my credit report that is not validated and even upon my request for proof you have not supplied with well over 30 days to do so. she proceeded to transfer me to the supervisor named Mr. XXXX whose Voicemail i have been sent to over 5 times in the last 5 months. I am homeless and unable to achieve credit worthiness for decent living due to this invalid account and NATIONAL CREDIT SYSTEMS please help me.
Consumer complaint received 2020-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

I have been enrolled in PSLF for about 10 years. When Fed Loans acquired my loans from my servicer, there were 21 months of payments that were not credited. I have been enrolled in autodebit payments from my bank account and have called, emailed and corresponded with FedLoans over the years with no resolution of the issue. I have been told the update would occur, but it would take a few months. Each time I contact them, I am told to call back in a few more months, that the agent on my case has since moved on, or that the case has likely been resolved according to their notes and the count has been updated. This has dragged on over the past 4 years. I have attached my correspondence and notes over the years with the attachments.
Consumer complaint received 2020-03-05
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: ENCORE CAPITAL GROUP INC. (CA)

Midland funding llc # XXXX its refusing to correct their error in my credit because never open any account with then never inquired for a credit! I ask them to probe me when or what happen with this credit card they refused to show probes!! I indicated to then that on 2013 all my documents was stolen and I gave then h police report number!! But they refused to fix the problem!! I NEVER REQUEST OR APPLY for any credit card!! I ask them prove where I used that money or that credit unable to provide any accrue information. Every time that I call to this company ant try to deal they since like they dont care the situation.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Attempted to place a freeze on my SSN in 2018 due to identity theft. Did so successfully with XXXX   and XXXX, however Experian was unresponsive. I wasn't able to pull a credit report from Experian either. Now trying to refinance our home and was able to remove the freeze from XXXX  and XXXX. However, our lender says they need access to my credit via Experian. Experian website doesn't recognize my SSN and I can not get a live person to answer the phone. 

Experian is HORRIBLE. With identify theft continuing to be on the rise, a live person should be available during regular business hours. As a result, our refi has to be completely re-written and my name taken off of the mortgage.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

ON OR ABOUT XXXX XXXX, I MADE AN AUTO PAYMENT WITH THE CURRENT COMPANY. APPROXIMATELY 2 WEEKS LATER, I MADE XXXX AUTO PAYMENT. I CHECK MY SCORES EVERY DAY AND NOTICED NO CHANGES. I THEN NOTIFIED THE COMPANY ABOUT GIVING ME CREDIT FOR EARLY CREDIT. I WAS THEN TOLD THAT THEIR COMPANY REPORTS TO EACH CREDIT AGENCIES A FEW DAYS AFTER THE DUE DATE OF EACH MONTH. AS OF XX/XX/2020 I HAVE STILL NOT SEEN A CHANGE IN MY CREDIT FROM ALL 3 CREDIT AGENCYS.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX  to apply for the XXXX XXXX XXXX and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020 I applied for a secured credit card offer that was sent to me in the mail. I went into my local Bank Of America branch in XXXX XXXX Md located XXXX XXXX XXXX XXXX. I meet with relationship manager XXXX XXXX XXXX and applied for said secured card ( I had the offer letter with me ). I signed all documents and cleared Bank Of America to take {$300.00} from my checking account for the secured card deposit. XXXX XXXX who was very helpful in doing her part, expedited the process so that I would receive the card in the mail on that following Monday XXXX, I was happy to hear from her that I would receive the card on my birthday. As I waited I never received the card or heard back in any form from Bank Of America regarding the card. I later called Bank Of America by phone several times for them to tell me that they did not know why I had not received the card. And that i should contact the local Branch that I submitted my application. So I went back into the branch to speak with XXXX who was unable to find out anything. Two weeks go bye and XXXX 's supervisor XXXX gives me a number to call XXXX to speak with a rep from Bank Of America. I call them and they tell me they denied me and sent me out a letter in the mail on XX/XX/2020. No letter was sent out to inform me of anything. I actually have a service through USPS delivery daily digest set  up so that I received photos of every piece of mail that comes to my address. Which will confirm that Bank Of America never sent me any notice of a denial or approval for the secured card that they offered me. This is a violation of unfair practices on behalf of Bank Of America.
Consumer complaint received 2022-12-24
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. (CA)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2020-12-30
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. (WA)

I spoke to XXXX XXXX XXXX  about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response