davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (NC)

My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX, XXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I requested with each agency that all fraudulent addresses are removed from my profile.
Consumer complaint received 2023-02-07
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. (NC)

I have submitted several disputes trying to resolve this inaccurate information on my credit report. The most recent dispute was XX/XX/2023. The original amount of this account was {$3500.00} and Original Creditor is XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (IN)

IN REFERENCE TO XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!
Consumer complaint received 2023-07-19
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. (TX)

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 15 U.S. Code 1681s2 : 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. 
No consent was given.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Ensuring punctual payments on this account has always been my priority, ensuring they are never overdue. I'm puzzled by the late payment remarks on my accounts and believe corrections should be made under 15 USC 1666b - Billing Error.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

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 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (CA)

In 2019 I obtained a loan to purchase a vehicle with Ford motor credit after having the vehicle for 6 months I ended up in XXXX XXXX I was not able to pay the monthly payments while XXXX  so I arranged to have the truck returned to the lender volunteerly, after vehicle was returned Ford had written off the total balance of the loan, but after that process they then months later reported a negative balance on my credit report, it's reporting as late currently my issue is that Ford never communicated with me to notify that there was going to be a negative or remaining balance, it was just put onto my report without notification of the debt, u didn't receive any notices from them, I would like to request the validation of the debt exercising 15 u.s.c 1692g Ford did not properly notify me any amount owed.i would like to have this validated proof of prior collection attempts sent to me.the amount negatively reporting to my credit reports is {$10000.00}, original amount owed was {$47000.00} the written off amount that shows on my credit report is {$45000.00}, need to validate records showing what the {$10000.00} charge is for I was never given any notice of any of these actions.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-04-16
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. (SC)

To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by TRANSUNION for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with TRANSUNION per Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. XXXX XXXX XXXX ) for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (VA)

My credit card was stolen from me and fraudulent charges where made on my account. I have advised truist on many occasions that the card has been stolen and there are many fraudulent charges on the account. Recently they sent a bill for {$1400.00}. This account balance is incorrect. I was also advised that they would remove all charges and fees from truist since the card was stolen. However that is not the case. They continue to add Truist fees and charges even though the card was stolen. I was also advised by truist not to make any payments on the card until the investigation is complete. However, Truist closed my account instead keeping it open and completing the investigation. The fraudulent charges need to be removed from my account as soon as possible.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-03-04
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-07
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. (TX)

in accordance with the fair credit reporting act XXXX 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 2023-07-19
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. (NC)

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX with a outstanding balance of {$4000.00}
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Foursight Holding LLC (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (NY)

I leased a car for 36 months and made lease payments through Chase Auto. I made all payments on time and returned my vehicle to a local dealership after the lease was up. The dealer said there were no problems with the car and signed paperwork to confirm I returned the vehicle. Attached is paperwork from the dealer stating there was no collision damage or vehicle abuse. A few weeks letter I got a letter from Chase Auto stating that there were {$10000.00} in damages and had an itemized list. None of the damages made sense including broken headlights, dings, scrapes, chips, etc. I asked for photos and for MONTHS they just continued to send letters and call me without sending photos. They tried collecting less and less from me each time acting like they were " forgiving '' me for some of the debt, meanwhile there should have been none in the first place. FINALLY they send me photos of the vehicle which essentially showed XXXX of the damages they described. At this point it is just my word against theirs and I am out of options.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

Unable to get free annual credit report from Equifax through XXXX. I have used this process for years without issue. When asking for the report from Equifax this time, it asked for a phone number and email, which has never been necessary previously. When I click the link provided to forego this step and request by phone or mail, I get an error on their website and no information is provided. When I enter my phone numbee and email, it indicates they can't process my request and tells me to call, but they provide no phone number on the page.
Consumer complaint received 2022-11-07
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. (GA)

My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX XXXX XXXX Account Number

: XXXX, has violated 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 2021-08-24
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)

Equifax ( EQ ) is violating my rights under the FCRA. Over the last 3 months I've disputed XXXX XXXX XXXX XXXX ( XXXX ) Business credit card listed on my report. I sent the data furnisher requests to validate the account and they have failed to provide me any details verifying the legitimacy of the the alleged account. All correspondence sent to XXXX  was sent certified mail. ( which I have all records of their receipt ) I requested for proof that the account in question was valid and IF XXXX  were the holder in due course. XXXX failed to provide me any validation of the account. In my correspondence to XXXX, EX was carbon copied on each one. EQ did alleged did their own internal investigation of the XXXX  account. In their own investigation, EQ claims they verified the account. In each investigation where EQ claimed they verified the account, I have requested EQ 's method of verification. As of XX/XX/ they have still failed to provide any detail report on how they verified the XXXX  account. EQ has not provided me with any details on who they talked to, what documents were reviewed, where they found a signed legal contract bearing my signature, shown me a legal contract bearing my signature, etc. I have not received any type of information which would prove this account was valid & belong to me. 

Additionally, the alleged XXXX  account was opened without my knowledge, consent or authority & believe is fraudulent. Since EQ can not provide me ANY details to this matters I need this issue resolved using your assistance. EQ is in violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I lieu in my suing them for federal & state violations I'm requesting you can assist in getting the XXXX  removed from my credit. 

Lastly, XXXX has removed the XXXX  account without any incident.
Consumer complaint received 2022-12-14
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)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-04-16
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. (NC)

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2015-09-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cottonwood Financial Ltd. (TX)

I have a payday loan through the Cash Store located on XXXX XXXX XXXX, XXXX, TX XXXX. I defaulted on my payments, so I have been dealing with their office calling me multiple times a day on my personal and my work phone. They have been calling me on a multiple line office number, which is used only for customers since I work in the healthcare field. I called the Cash Store on Thursday, XXXX XXXX, 2015 to let them know that I needed them to stop calling me at the multiple line office number and that if they needed to reach me, they could call my DIRECT work phone line or they could call my cell phone. However, they attempted to call me again on XXXX XXXX, 2015 after I had already discussed this with XXXX ( the manager of this branch ). I am in contact with a debt consolidation organization here in XXXX XXXX to discuss my options to deal with all of my debt so I can hopefully be debt-free soon.
Consumer complaint received 2023-02-07
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. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. The Experian failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts that was included in the FTC report attached on this complaint.
Consumer complaint received 2022-04-16
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. (TX)

The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my XXXX  loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do