davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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. (IN)

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-02-04
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. (PA)

There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. 

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. 

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.
Consumer complaint received 2023-02-05
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-04
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)

I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and thXXXX credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different
Consumer complaint received 2023-02-04
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. (TX)

I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and thXXXX credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (FL)

After several years of not monitoring my credit reports, I finally requested a copy of my Experian and XXXX XXXX credit reports in XX/XX/2019 and saw there was a collection account present from the Credit Protection AgencyXXXX XXXX. The company reported that I owed {$570.00}. I have never received any notification or communication from Credit Protection AgencyXXXX XXXX creditor that {$570.00} amount was owed or that it was turned over to a collection agency. 

On XX/XX/2019, I wrote the Credit Protection Agency, with a request for them to validate the debt and sent it via certified mail. I did not receive any return communication from the Credit Protection AgencyXXXX XXXX. While I did not receive any communication from the Credit Protection Agency after writing the validate debt letter, I did see a change in the amount owed on my XXXX and XXXX XXXX XXXX reports. The new amount changed to {$250.00} from the previous amount owed {$570.00}. I also wrote letters to both XXXX and XXXX XXXX requesting this collection to be removed from my XXXX and XXXX XXXX credit reports. My USPS tracking number XXXX indicates that the validate debt letter was delivered on XX/XX/2019 at XXXX am Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX I would like the Credit Protection AgencyXXXX XXXX collection account to be removed from both my XXXX and XXXX XXXX reports. I would appreciate your help in this matter.
Consumer complaint received 2022-09-29
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. (GA)

I have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that both accounts belong to me and were validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that these accounts have not been verified ( and therefore were removed ) by the other two bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet have not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.
Consumer complaint received 2019-12-07
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. (CA)

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Consumer complaint received 2019-12-07
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC (WI)

They called me and stated that they are comeing after me for fraud from a loan I took out in XX/XX/2017 for about XXXX. I made as many payments as I could but I lost my job at that time and was not able to pay it I am currently geting garnished so I can not send them money or I will not be able to live I am a single father of XXXX kids.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!
Consumer complaint received 2019-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OR)

Sometime in late XXXX, XXXX XXXX XXXX requested a payoff amount from Flagstar Mortgage and because of this a stop payment will issued on my taxes. Because of this, my taxes were not paid in a timely manner. My taxes were due XX/XX/2019 and were not paid till XX/XX/2019. XXXX XXXX was waiting for the taxes to be paid and did not communicate or were not informed of a stop payment ( According to XXXX ). I did not find out about all this till XX/XX/XXXX and contacted Flagstar to  pay my property taxes. I spoke to XXXX XXXX from escrow to file a verbal complaint and express my displeasure with the services they provided and he stated it is policy and because I authorized XXXX  to request a payoff and that they were informed of the stop payment they did not need to contact me. I informed them that unless they received the funds for the payoff they are still responsible for ensuring that the taxes are paid in a timely manner. He disagreed once again reiterating they have a policy regarding payment of taxes. Because I informed him I filed a complaint to the CFPB, Flagstar reported a negative remark on my credit report even though I was informed and assured by a rep from Flagstar if I  made my payment before Monday, XX/XX/XXXX it would not happen. I made my payment on Thursday, XX/XX/XXXX. I was also informed by XXXX XXXX to with-hold my XXXX payment because of the loan payoff. I have this in writing as well.
Consumer complaint received 2022-12-17
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. (FL)

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXX - XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
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. (GA)

I reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is agaisnt the law to report any information not proven accurate. 
In accordance with the fair credit report acting, everything has to be 100 % accurate on my credit report and under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are several improper reported items on my credit reports. I have tried to reason and or dispute these matters, but there is always a language barrier and a misinterpretation of the information provided. No matter how many documents I provide for proof the debt is never completely deleted. It's sold to another collection company. I have payment arrangements with collection agencies and my debt is sold to get another company and without me knowing my agreement is broken and late payments are on my report. Agreement and accounts that are in forbearance are reported to collection agencies. My report has been paid in full by " me '' auto loan that has been reported as closed without credit for paying off a loan! No increase in my score for paying off debt. No matter how much I pay off my credit scores never go over XXXX.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My personal information is listed wrong and needs correcting. I sent a USPS certified letter # XXXX on XX/XX/2021, that was delivered to Experian on XX/XX/2021. As of today, my name is misspelled and my current address needs updating with the deletion of past addresses. ( See enclosed letter )
Consumer complaint received 2024-02-21
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XXXX XXXX, 2023 I deposited XXXX dollars in my business account. Bank of America sent me an email confirmation stating that my check was deposited and that the check will be cleared and available on XXXX XXXX 2023. When I tried to access my business account online, It was saying user not found. I called Bank of America on XX/XX/2023  and the customer service representative told me that my account was open but my card is locked. She said call risk management on XXXX XXXX, 2023. I called on XX/XX/2023 and Bank of America said that they closed my account and it will be finalized on XXXX XXXX 2023. I asked why and they replied we dont have to say why we closed your account. Bank of America said they would send me a cashiers check after the check is cleared. I called Bank of America today which is XX/XX/2023 and asked to speak with a manger. The manger said that my check that I had deposited was still being verified and she cant give me an estimate time when it would be done. So, I asked the manager if we could do a conference call with the bank to verify the check and she said no. So I called and asked the business that issued me the check and they said it had been cleared on XXXX XXXX2023. Bank of America has cleared my check already and I have the copy showing when they cleared it. I got the information from the person who wrote the check out to me. I am really disappointed in how this is being handled. I would never recommend Bank of America to anyone. This is discrimination.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (AZ)

I utilize a credit monitoring service. On XXXX I discovered my XXXX  rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I called in to XXXX  on XX/XX/XXXX, to place an fraud alert on my credit profile. There were unauthorized inquiries on my report. They handled the situation, disputed the items, and also placed an alert on my profile. Also, I was assured that I would receive a phone call before any pull will be made.They also assured me that the fraud alert will be placed on XXXX   and Equifax 's bureau. Months later its still happening. I recently found out i was a victim of Equifax 's Data Breach back in year XXXX. I have had no credit activity until several months after the data breach. My information was compromised. I have alot of inquiries on my report from someone trying to obtain credit accounts in my name due to Equifax 's Data Breach. I have not been able to access my report through Equifax 's Bureau. One of them hung up on me. I cant Obtain any information regarding the complaint. I have asked that any hard Inquiry that was placed on my account in the past 17 months be removed, as they were fraudulent and not authorized by me. I couldn't even get them to place a security freeze on my account. I have given them all necessary documents and still nothing. I am asking that they remove all fraudulent activity as referenced above. The only Inquiry that was made by me was XXXX XXXX, nothing more.