davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$19000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and is in good standing. In addition to the account being paid, the statute of limitations in Texas for reporting a collection is ( 4 ) years. It is a violation of the Fair Credit Reporting Act to report an account that is over ( 4 ) years old. I have attached additional documentation showing a different address of where I was residing when this account is being reported. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is XXXX XXXX submitting this CFPB complaint today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I also sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX, requesting the Credit Bureaus to remove the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; and inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. If the Credit Bureaus insist that the disputed items are mine, please provide me copies of proof of verification or documents bearing my signature to prove my ownership with the disputed items. Failure to deliver should result to immediate removal of the items from my Credit File.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been a victim of identity theft and I believe 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Consumer complaint received 2020-03-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have a credit monitoring site and was notified that Equifax was reporting a late payment with XXXXXXXX  XXXX however when I pulled the report it indicated that the payment was not more than two payments past due and does not even list when this supposedly happened. I have never been late with this payment and have no idea what Equifax would be the only bureau listing this information.
Consumer complaint received 2020-03-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

For Experian I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute on XX/XX/2019 under Report Number :  XXXX Date Generated : XX/XX/2019. I disputed the 11 XXXX accounts in question. From those results 10 were updated while 1 was delete. So, I have to ask what info did Experian have documentation wise to remove 1 out of the 11 and still keep the remaining ones? Is Experian actually following the laws. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.
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: EQUIFAX, INC. (FL)

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of congestive XXXX XXXX and XXXX XXXX later discovered was causing the congestive XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to XXXX, Equifax and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
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. (FL)

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of XXXX  XXXX XXXX and XXXX XXXX later discovered was causing the XXXX XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to TransUnion, XXXX and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
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 — Account information incorrect
Company: EQUIFAX, INC. (PA)

After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay
the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2022-09-30
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. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

Experian is reporting the wrong information on my credit report. They have the wrong employer. My employer is XXXX XXXX XXXX, since XXXX. Experian reports my overall history as XXXX years. I receive reports from XXXX and XXXX XXXX stating I need to work on my credit history. I have over 40 years of credit history. This wrong information has caused denials. 

I received a response from Experian stating they do not grant or deny credit. I know that is not the purpose of their agency. I know based on what they are reporting, however, I may or may not be granted credit.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (ID)

I took out a personal loan on XX/XX/XXXX with UPGRADE to pay off other debts. I have yet to receive a statement for this loan. I contacted UPGARDE on XX/XX/XXXX, to inquire as to why I have not received a statement and I was advised " our personal loans do not generate statement due to the fixed amount of the monthly payments. '' This is a line of credit ; therefore, a statement must be generated for the consumer ( me ).
Consumer complaint received 2022-03-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called XXXX XXXX directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. XXXX XXXX said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by XXXX XXXX, but XXXX XXXX claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed chapter XXXX bankruptcy on XX/XX/2019, it was discharged on XX/XX/2019. In my credit reports it shows wrong dates which is effectively effecting my credit. Ive sent the credit bureaus my discharged, Nothing has been updated.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (GA)

In XXXX of XXXX I contacted Credit Acceptance and ask for them to send my all my documents concerning information reporting on my credit. Also in XXXX of XXXX I received copies of electronic of documents I didnt sign at all. I called credit acceptance and told them on XX/XX/XXXX that there is a forged signature on the documents that in fact the signature on the documents was copied from another paper that was signed. I was told that I would have to wait 3 days to hear back from them. On XX/XX/XXXX I received a called and was told to give my signature to them through an email so they could do an investigation. I sent over all my documents and informed them that the signature on the alleged documents on file was forged I said it is mines but I didnt sign it. Someone placed my name on the documents. I told them that none of my signature are the same at all in for two signature to be identical leads me to believe that it was forged. They said they will run an investigation and it could take a long time. No later than 15 to 20 mins I was told that the investigation was done and that they cant prove that this is false. I asked them how did they come up with the determination. They told me because none of my signature are consistent and because nobody signature is consistent thats how they came up with the decision. I told them well do you guys have a signature expert they tell me no they dont. To take it further I spoke to a higher manager who told me because I have one peace of evidence that it doesnt require a investigation and do I know what this would look like on there end. She also asked me why did I take so long to say something seeing I had this contract from XXXX. I told her I just so happen to see it once the information was sent to me by them I explained more to the lady that if she looks at the paper and evidence I sent she can see that two signature are identical. That none of my signature are the same and she said she not going to investigate any claim just because of one piece of evidence. They lady say I was paying on a vehicle for a whole year before they took it. This whole account was done in a fraudulent way the dealership is no longer open and is permanently closed at that. The dealership placed in fact that I put down {$3500.00} when I only gave them {$200.00}. This issues with credit acceptance has been ongoing. Before the vehicle was repossessed they told me to make a payment Ive made one then they repo the vehicle right after the payment was made.
Consumer complaint received 2021-06-29
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. (NY)

Date : XX/XX/2017 XXXX : {$38000.00} XXXX Taken : Ask for proper reinvestigation and Experian is willfully non-compliant.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MA)

On the XX/XX/XXXX, I came back from work when my kids told me they could not watched TV. I asked what happened, they said the TV was not working. Then I tried tot rouble shoot the TV yet it did not work. Then I called XXXX XXXX  why my TV, phone and Internet are not working, they said I owed XXXX that is why they cut off my services. I told them to immediately cut off my services from them. Which they did that day but they asked me to return their equipment to the nearest location to my house. I returned the equipment on XX/XX/XXXX. They send me bill of {$760.00} on XX/XX/XXXX which I said why this bill? They said is for XXXX and XXXX bills and termination fees. I told them why should I pay for XXXX when you already cut off my services. Should I pay for the month I did not use my services. I already have another provider since XXXX. Please I want you people to intervene. Why should i pay for the month i did not enjoy or use their services?
Consumer complaint received 2022-09-30
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. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-18
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 XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX 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
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX