davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have tried XXXX to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian : Each time I receive a post card in the mail from Experian illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. Experian over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like Experian. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that Experian seems to feel that its okay to violate my federal rights by accepting XXXX party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another 3rd party source know as XXXX  which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

XXXX : XXXX out of all the 3 major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again XXXX is guilty of the same thing Experian does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meyer & Njus, P.A. (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from DT CREDIT located at XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-01-08
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: JPMORGAN CHASE & CO. (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2020-01-08
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. (WA)

On XX/XX/XXXX, I filed a dispute with Equifax regarding a " hard credit check '' that was listed on my Equifax credit report. Obviously a " hard credit check '' stays on the report for two years, is seen by everyone accessing the report, and can negatively impact a credit score and have other negative credit implications as well. The " hard credit check '' had been conducted by " XXXX XXXX XXXX, '' a car dealer. The credit check was never authorized under any conceivable circumstances. Thus, as indicated, I challenged the " hard credit check '' with Equifax on XX/XX/XXXX, as an " unauthorized '' credit check, a dispute category provided by Equifax, even though I had contemplated challenging it as " fraudulent, '' another choice given to consumers by Equifax with which to categorize a disputed inquiry. Within two days, on XX/XX/XXXX, and without Equifax even investigating the matter, Equifax informed me that " Inquiries are a factual record of file access '' and that I would have to take the matter up with XXXX XXXX XXXX  if I wanted the hard credit inquiry removed from my credit report. In fact, as an aside, I had done just that a month earlier and been told by General Manager XXXX XXXX ( XXXX ) of XXXX XXXX XXXX  that the inquiry would be removed by Finance Manager XXXX XXXX. Regardless, for Equifax to state that the unauthorized inquiry is a " factual record '' is obviously redundant and states the obvious. That is why the dispute was filed in the first place. Of course the inquiry " factually '' occurred. Equifax is not licensed to allow fraud to occur to consumers ' credit reports with the aid of Equifax and then sit back and say " Well, it factually occurred, sorry. '' So on XX/XX/XXXX, I filed a dispute again with Equifax, this time calling XXXX XXXX XXXX ' " hard credit check '' what it was, a " fraudulent '' credit check by a car dealer. This time Equifax took mere hours on XX/XX/XXXX, to once again inform me ( Confirmation # XXXX ) that " Inquiries are a factual record of file access '' and, once again, according to Equifax, Equifax could just stand on the sidelines and say, " Sorry, the world can see now for two years the fraud, also that we were an accessory to, also additionally after the fact, and there is nothing we will do about it. '' Equifax of course could have added, " You see, the XXXX XXXX XXXX of the world pay our bills, not you, and so we will defer, as a matter of course, to XXXX XXXX XXXX  in this matter and not rock the boat. You will have to rock the boat to address this fraud. In the meantime, we will continue to be an accessory-after-the-fact to the this fraud '' The item remains as " hard credit inquiry '' on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently obtained my credit report in XX/XX/2022 and XX/XX/2022 and I filed several disputes due to the inaccuracy information that is being reported on my credit report. I requested the credit consumer agencies ( XXXX, TransUnion, and XXXX ) to investigate and delete the following account : Account Name : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, the information on the consumer report must be 100 % accurate, and Under 15 U S 1681i, 15 U S Code 1681e ( b ), 15 US Code 1692e ( 5 ) False or misleading representations- legal status of any debt ; The false representation or implication that any individual is an attorney or that any communication is from an attorney ; The threat to take any action that can not legally be taken or that is not intended to be taken. As you see in the reports, there's several comments about the account being assigned to an attorney. 

XXXX has, on several occasions, reported me as collections for several months, when I have made payments. As you can see on the attachments, XXXX XXXX XXXX has fraudulent ways and they are trying to cause distress and make it hard for me to obtain credi0, which is why my credit score dropped. Please see this matter and address it immediately. After disputing this account with the three big credit reporting agencies, they have yet to provide me with the documentations of their investigation. I have also included a copy of the letter I sent to the big three credit reporting agencies.
Consumer complaint received 2023-01-23
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. (VT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not updated the status of the account XXXX  XXXX : # XXXX and this report appears to be older than XXXX XXXX XXXX & should not be reflected on my report for any reason.
Consumer complaint received 2020-01-08
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. (TX)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX, 2021 ; XXXX XXXXXXXX suspended my credit card account because I mistakenly paid my monthly bill w/my old XXXX card, which I neglected to throw away when I received my new XXXX card. Upon finding out it wasn't accepted, I realized my mistake & made the payment w/the correct XXXX card. It was a simple mistake. I then called and asked how do I get my account un-suspended. I was told to write a letter explaining the situation. I was also told by the associate on the phone that until my account becomes un-suspended, I don't have to make monthly payments. Upon mailing the letter they requested, I waited ... ... for 3 weeks! I then called & was told that my letter they requested w/the information they requested wasn't good enough & now they want proof that the card used was mine. I made a copy & mailed it to them, as they requested. I waited another 3 weeks & called and was told they didn't receive my 2nd letter. It was mailed to the same address as the first. So ... .I mailed another copy. 3 weeks passed and I called again & was told they still haven't received the letter. So ... ..I mailed another copy ( this is the 3rd time ). I waited another 3 weeks and again was told they didn't receive it. All this time, they have told me that they only can have proof mailed to them. This last time calling, they now tell me that I can email them. Why am I hearing this email solution now & not at the beginning of this situation ( because I keep on talking to associates who have no idea what they're doing ). Now they have reported a delinquent notice to my credit report. This is fraud, plain & simple. 
This company informs me of what I have to do to clear this up ; I follow their way, 3 TIMES,, and they still say they haven't seen my letters, all mailed to the same address as the 1st address that THEY RECEIVED. Then they say I can email my proof, something they never said I could do in the beginning. Then they report me as delinquent on my credit report.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (OH)

Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. 

Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. 

I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. 

PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc. (CA)

XXXX 'S XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX account # XXXX I SOLD A VEHICLE BACK ON XXXX A NOTICE OF TRANSFER AND RELEASE OF LIABILITY FORMS WAS SEND TO THE DMV ON XXXX. 
ON XXXX, XXXX XXXX I RECEIVE A LETTER FROM AMERICAN CAPITAL TO ADVISED ME THAT THE ACCOUNT WAS ON COLLECTIONS. 
I WAS ON SHOCK SINCE I NEVER RECEIVE ANY ADVICE FROM XXXX XXXX XXXX XXXX. 

ON XXXX I RESPOND TO AMERICAN CAPITAL BY CERTIFIED MAIL. 
THE ABOVE MAIL INCLUDED THE FOLLOWING. 

-COPY OF VEHICLE/VESSEL TRANSFER AND REASSIGNMENT FORM -COPY OF TRANSFER AND RELEASE OF LIABILITY FORM. 
-COPY OF THE PHOTO ID OF THE NEW OWNER. 

ON XXXX, XXXX XXXX I RECEIVE A RESPONSE FROM AMERICA CAPITAL CHARGING ME THE DEBIT. 
I CALL AND TALK TO XXXX XXXX, REGARDING ABOVE LETTER, SHE TOLD ME THAT INFORMATION I SEND WAS NOT ENOUGH TO PROVE THE LIABILITY. 

SHE TOLD ME THAT I NEED A ( FORM CALL INF 70. ) I WENT TO THE DMV RIGHT AFTER TALKING TO HER. 
DMV TOLD THAT I SHOULD NOT BE RESPONSIBLE OF THE VEHICLE SINCE XX/XX/XXXX. 
DMV STAMP THE FORM AND ALSO STAMP MY LIABILITY FORM AS PROVE THAT I AM NOT THE RESPONSIBLE PERSON. 

ON XXXX I CALL AGAIN AND TALK TO XXXX XXXX. 
AND SHE TOLD AGAIN THAT IS NOT ENOUGH. 

PLEASE HELP ME I NEVER BEEN IN COLLECTION ON MU LIFE. 
AND PLANNING TO BUY A HOSE NEXT YEAR. 
THIS IS NOT FEAR.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I submitted a payment on XX/XX/XXXX to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX. After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.