davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
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. (CA)

The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-09-26
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. (MD)

XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use
Consumer complaint received 2021-09-26
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. (MD)

XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing with XXXX about an account from XXXX XXXX XXXX and since then the account has been removed from experian but still says its an active loan on XXXX I ask for them to remove it because the information is not accurate
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Services calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (MA)

I literally just gotr off the phone witrh a supervisor from Experian on XX/XX/2023 at XXXX est. 

I was transferred to a lady by the name of XXXX, because I just spoke to somebody regarding a call on XX/XX/2023 from a representative name XXXX. I alerted XXXX that, because I am on a recorded line with Experian, he is also on a recorded line through myself. He told me that my disputes will be deleted and will be taking care of per fraudulant and unauthorized information being furnished by Experian. 

So, when I looked at my report today and saw that the items were under dispute and not deleted, I called to speak to a supervisor again. After a legnthy hold, I spoke with XXXX and told her the history and conversation that I just had with XXXX. I also alerted her that, I know that I am on a recorded line with Experian and you are on a recorded line with myself as well. 

She told me that I do not have the right to record her conversation. I told her that you are on a recorded line per your company Experian either way, so we're both being recorded, and I am also recording this call per myself. She told me she does not want to be recorded and hung up. This is unacceptable. Not only is Experian reporting information fraudulently, without my express written consent, now they are disrespecting me, the consumer, andhave flagrantly repeated not to do the right thing. I have given plenty of opportunities for Experian to make this right. They have failed to do so.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (CA)

I received notice from XXXX XXXX that TDBank was no longer being monitored as one of my accounts by them and that I needed to contact them to try to have it Re connected - the problem is I never signed up for td bank and once I tried to connect with them and log in or start an account to see what I could find out, I had to place a freeze on opening up other bank accounts. This was yesterday, XX/XX/XXXX when I was notified about this. On XXXX a similar experience occurred when someone other than myself tried to open an account at XXXX XXXX XXXX without my knowledge or permission. XXXX notified me of this as well
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (GA)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Consumer complaint received 2021-09-27
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. (PA)

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-27
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section XXXX  ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX  et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One Auto Finance violated all of the below noted laws under the Fair Debt Credit Reporting Act : 15 USC 1692b ( 2 ) 15 USC 1692b ( 5 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 4 ) 15 USC 1692c ( a ) through 15 USC 1692c ( a ) 1 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 7 ) and 15 USC 1692e ( 12 ) 15 USC 1692c ( b ) 12 CFR Part 1026.23 ( b ) 1 They additionally illegally seized my property:2019 XXXX XXXX XXXX They shared my information with multiple third-party companies ; one by the name of XXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX which they used to aid them with the illegal seizure of my property without my permission and have subsequently sent harassing letters which include a " Notice of Negative Credit Report '' specifically violating 15 USC 1692d. This additionally is a violation of 15 USC 1681b ( a ) ( 2 ). They are continuing to harass me causing immense stress to myself and family by reporting false/misleading information to the following consumer reporting agencies : XXXX, XXXX and XXXX by posting the alleged debt of over {$25000.00} not including erroneous fees to the third party companies mentioned above. This is an infringement upon my " Right To Privacy '' pursuant to 15 usc 1681 ( a ) ( 4 ). From the first communication from the company they violated the FCRA including never sending proper notice to rescind within the timeframe applicable by law. This matter resulting in lack of transportation has caused great strain to myself and my children as I have been unable to efficiently aid my XXXX daughter with her medical care and/or attend hiring events for potential employment after being severely impacted by the pandemic. The above noted infringement on my privacy additionally impacts me from potential employment and ability to acquire transportation as it negatively impacts my reputation. 
I have sent a Statement of Facts letter to the company by certified mail and have not received any resolution.
Consumer complaint received 2021-09-26
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. (MA)

On XXXX, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-26
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. (FL)

I have made attempts through chats, emails, and phone calls to make them fix their error, and we just keep going in circles. When I try to dispute any item on their website they have placed a block that stops me from disputing, they tell me to call their phone number. I call and I'm told they can't talk to me. This is nothing more than a scam against a consumer from getting the truth, and it's frustrating as XXXX. Many years ago, I filed for bankruptcy, and everything went according to plan, as the other three credit bureaus don't have the same errors. Experian continues to claim that my mortgage with XXXX XXXX was part of the bankruptcy, which it never was, I have tried to explain this to them through chats, emails, and phone calls. I have had this mortgage and have made payments since 2013, all the other credit bureaus reflect this. Here is what I want them to do : 1. Fix the XXXX XXXX Mortgage, it was never part of bankruptcy. Add the correct information of the mortgage to my credit report. 
2. XXXX XXXX was never part of bankruptcy, it was my auto loan and I paid the car off in full. They need to correct this to reflect that. 
3. Remove any block they have from me disputing credit items, this is a scam. My next action will be to seek legal damages, I'm sick of this game. 
4. Consumers need to be given more power, Experian is a perfect example of a company that has no regards for the consumer, it's time for the government to intervene and allow consumers the right to sue when corrupt companies like Experian continue to run unregulated. 

XXXX XXXX
Consumer complaint received 2021-09-26
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. (MA)

On XXXX Creditor Contact : Not Available add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate complaint. This complaint is due to new evidence and issue on my report. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. So I have filed FTC Report XXXX and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I'm representing myself by myself and I do not involved any third party for this matter. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Here are the name of these inquiries : XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX  XX/XX/2021. So, all being said, all these hard inquires are not mine and must be deleted immediately.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (IL)

I received a {$15.00} prepaid debit card from a rewards company. I had about 8 months before the card expired from when I originally got the card ( summer 2020 ). Today, the card is expired and I called to get a new card with my original {$15.00}. I called the company and they said this was not possible. I told them this is required by law, and they ignored that statement. I was told to use XXXX to activate my card. The company is clearly trying to take as much money as possible from consumers.
Consumer complaint received 2021-09-26
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. (MA)

On XXXX, account assigned to attorney, collection agency add a derogatory mark on my credit report per XXXX XXXX Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name Credit Reporting Agency are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I experienced identity theft early this year. I have a inquiry on my EQUIFAX from XXXX. 
EQUIFAX received my letter XX/XX/XXXX. I just checked my credit report, and that inquiry is still on there. 
I disputed that and I also disputed a incorrect name variation : XXXX XXXX XXXX My name is XXXX XXXX XXXX Please help, Thank you
Consumer complaint received 2021-09-26
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. (CA)

First and foremost, my last name is a single letter XXXX. My birth certificate, social security card, passport, California drivers license, business license, all have my last name correct. Experian, whom I have sent numerous letters and provided supporting documents, asking that they correct my name. And every time they send me back a packet asking for the information I provided when I sent them the letters. There is no one I can resolve this issue with, because they have no live person to speak with on the phone. They are reporting incorrect information. I have applied to rent a few apartments, and have beeb denied. Because they report back to have them company verify my ID, because the last name they have on file is XXXX. Which is false. If my government issued documents are able to be processed with one letter, I don't see why they can not. Not only that but I have been denied with a lending/flooring company because they could not run my Experian. So I am now forced to put XXXX and explain why my drivers license and the information I furnished dont match. And to make matters worse, when a company is able to run met experian report, it continues to show an a derogatory account that I disputed last year. The results were they would have it deleted, but that's not the case. It is still there. Can they just report correct information, especially if they are going to have my social security number tied to it.