davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc (MI)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX account XXXX and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate that this account belongs to me, nor has my credit report been updated to reflect that the account is in investigation.I do not believe that this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect and account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2019-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX is refusing to fix the innacurate information reported on two closed charge off accounts from Capital One. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and Capital One reported {$0.00} balance paid after charge off. However in XX/XX/XXXX Capital One reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called XX/XX/XXXX and Capital One both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.
Consumer complaint received 2021-09-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (PA)

I have received a voicemail stating LoanCare has attempted multiple times to contact me in regards to my issue. This is the first voicemail I have received regarding any issue. I had previously requested a copy of all corespondent, both verbal and written, that the company would have recorded. I have yet to receive that information. I have been on the phone for over an hour now and have spoken to 6 different service representatives in an attempt to return the call as the two numbers provided in the voice mail are a non working number and the number for their front line customer care respectively. There is no option to input the extension number provided when contacting the front line customer care center. The initial complaint they are leaving the voicemail for was for a complaint regarding an incorrectly recorded forbearance end date and auto pay issue. I have been on this last call, having been escalated to the front line representatives manager, for over 40 minutes now, the majority of the time on hold.
Consumer complaint received 2023-02-10
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: LTD Financial Services, L.P. (IL)

15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. Ltd acquisition llc accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX  and they are not licensed in my state.
Consumer complaint received 2023-06-26
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. (TX)

Im very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over XXXX months now! I ask that you delete these accounts immediately! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways as they are reporting inaccurate dates and amounts for all XXXX credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all XXXX bureaus. I am completely exhausted of the back and forth and will seek litigation
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX IXXXX # 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 2024-01-10
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2021-09-28
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. (MA)

This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my personal information!
Consumer complaint received 2023-02-19
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-05-09
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: Experian Information Solutions Inc. (CA)

Inquired about my credit rating without my permission. On XX/XX/2020 the company asked for my social to prove who I am over the phone, I never gave written or verbal consent for them to run my credit score.
Consumer complaint received 2021-09-28
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. (FL)

I called transunion on today XX/XX/XXXX and spoke with a lady. XXXX agreed that 2 inquiries did come off of my credit report however she does not know why my credit score has not moved. This is hinder my attempt to get positive credit and the fact that they can not give an explanation as to why it has not moved my credit score up does not make sense. 2 inquiires came off of my credit report. One from XX/XX/XXXX from XXXX and another from XX/XX/XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-06-26
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. (GA)

the XXXX credit bureaus ( XXXX, XXXX, Experian ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-09
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: Innovis (SC)

I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.
Consumer complaint received 2021-09-28
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)

I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXX  XXXX Ohio XXXX 2 & 3. XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX None of these inquiries were made by me and XXXX, and Experian are saying that i need to file a report with you all to prove that it was not from me.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT XXXX TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, THANK YOU!
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs Apple. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2020-05-11
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. (IL)

I filed a dispute on XX/XX/20 and XX/XX/20 with Transunion according to the FCRA the have 30 days to investigate.
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

I DO NOT OWE PROFESSIONAL ACCOUNT MANAGEMENT AND CALLED XXXX TO CONFIRM ON SEVERAL OCCASIONS. THEY HAVE AN INVALID ADDRESS AND MY DAUGHTER CONTACTED ME STATING THEY SENT A COLLECTION LETTER. ONCE I CALLED AND VERIFIED THE DEBT IS NOT MINE, IT WAS CONFIRMED THAT IT WAS CLOSED. THIS COMPANY THEN CHOSE 30 DAYS LATER TO CALL, AND SEND INVALID COLLECTION NOTICES AFTER CONFIRMING THE DEBT LESS THAN XXXX IS NOT MINE. THIS COMPANY IS VIOLATION COLLECTION LAWS BY CONTACTING ME.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

To whom it may concern, I have filed several disputes and made several phone calls to Equifax and XXXX Now about an account that is still reporting on my Equifax report and should not because it was discharged in my chapter XXXX bankruptcy as of XX/XX/2019. I spoke with XXXX Now several times, latest time today and have just gotten transferred around from agent to agent with no resolve, ultimately ending in not speaking to the correct department / person about the matter. I have spoken with them prior to today and they've advised that they have reported the bankruptcy to the XXXX bureaus. Today, I also spoke with Equifax again for the 3 or 4th time regarding this account and they advised that they have not received any notice from XXXX Now to update this account. I have checked the other 2 major bureaus XXXX and XXXX and they have both updated this account accordingly. As a result of this issue, I was denied a car loan today by my credit union. At this point I really need you to help me get this rectified because between the two of these companies, I'm getting no resolve. The representative at Equifax actually told me I didn't have any common sense today. I am very displeased and stressed about this. I really need a car to get back and forth to work. The one i have now is barely hanging on mechanically. This could end up costing me my job. Please help me. The account information is listed below : XXXX Now {$1700.00} XXXX on my equifax report. 
The very same account was properly addressed on my XXXX and XXXX reports.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Upon reviewing my updates, the incorrect information and accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately : 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This account is being disputed And should be removed immediately. I did not authorize, nor sign any documents, agree to any disclosure this is a illegal matter ( evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors, ( 15 U.S.C. 1692 ) Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) in 1978, codified PLEASE DELETE IMMEDIATELY LEGAL ACTION BY THE CONSUMER WILL TAKE PLACE
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request 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 have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$760.00}, XXXX XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX, XXXX, XXXX XXXX XX/XX/1986