davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (IL)

XX/XX/XXXX D.W.I. misdemeanor XXXX XXXX XXXX ( not me ) XX/XX/XXXX Littering and open container misdemeanor XXXX XXXX XXXX ( not me ) XX/XX/XXXX D.W.I. XXXX XXXX XXXX ( not me )
Consumer complaint received 2021-10-24
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. (PA)

I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX XXXX XXXX XXXX  XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX Equifax and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX Equifax and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX Equifax and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. XXXX Equifax and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and XXXX Equifax and XXXX will be held by default to those damages.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Between XX/XX/2020 and XX/XX/2020, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.
Consumer complaint received 2024-01-10
Product: Credit reporting 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. (TN)

I mailed certified letters to the credit bureaus on XX/XX/23 containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.
Consumer complaint received 2021-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

Some company by the name of Credit Collection Services put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching the letter my wife and I sent to the credit bureaus back in XX/XX/XXXX. More four months have passed, and we have not heard anything back from them.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland credit MGMTXXXX XXXX XXXX  are debt collectors... they buy bad debts... .they have no legal standing to contact, discuss, demand, nor report anything on my credit report. They do not have the original agreement binding their Company and Myself to ANY lawful contract. They are act unlawfully, and fraudulently... posing as the original creditor.
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. (LA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-07
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

A student loan with Navient was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for XXXX  months, until XX/XX/XXXX. However, Navient closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an 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 — Account information incorrect
Company: Bridgecrest Acceptance Corporation (PA)

XXXXBridgecrest is reporting late payments illegally. This is a defamation to my character. My brother makes the payment it is his vehicle and is a college student. 
According to 15 U.S.C. 1681 section 602 A I have the right to privacy.

15 U.S.C. 1681 section 604A. section 2 it also states 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.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Genesis Credit Management , LLC is attempting to falsely collect a debt of an incorrect amount on behalf of The XXXX on XXXX, a XXXX rental property. I have attempted to resolve this debt with the XXXX accounts receivables team numerous times via email and phone calls. I sent proof via email in support of my dispute of the claimed charges to the XXXX accounts receivables team and they agreed to review and reply with a resolution. I never received any additional communication regarding my debt from XXXX after this, and now they have sent me to collections. The debt that XXXX is claiming I owe is regarding furniture belonging to The XXXX on XXXX that they claim I did not return. The furniture in question the staff at The XXXX on XXXX removed from my apartment within my first week of moving in per an agreement I had with the office management, of which I have emails to support. Genesis Credit Management , LLC is now harassing me for this debt, making 5+ phone calls in a row some days, and more than 7 calls a week. I have sent my request for validation of the charges via certified mail.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX Card of a hard inquiry on credit report that I did not authorize. Hard inquiries were done on the following dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has no personal information or no data of the inquiry. I requested a letter from XXXX Card to change my credit report but I was told that since there was no personal information in XXXX XXXX data base, they would not be able to help me. I was directed back to the reporting agency but they will no correct this fraud.
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

I had taken out a online credit line of {$750.00} and have been paying {$90.00} to {$94.00} ever y 2  weeks sinc e  XX/XX/XXXX  whi ch totals {$720.00} but my amount owed is still {$970.00}. There is no way to get this paid off the interest rate is 279.4 % I believe they are operating under another name upon further investigation which is misleading as well. As everything I have says speedy cash but I dug deeper and found the other name which I have attached
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've filed the FTC report already TWICE like they asked me to. XXXX will NOT remove this or close this account on my credit report. It's hindering my growth. It's been too long, I have been reaching out via phone and mail since XX/XX/XXXX. They're trading my securities monthly, not giving me my interest. Committing securities fraud. Filed a civl case even though XXXX has already stolen my securities? Cmon. I'm tired of constantly seeing this, I'm trying to get loans, I can't. Getting a car loan, I can't will go to FINRA, SEC, and OCC. If you don't solve this.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-C. From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

My complaint is with the Experian Credit Bureau. I've sent them several letters ( 8 total ) throughout the last 2.5 years with no help in regards to removing inaccurate and unverifiable information still being reported on my credit report which is now gotten to the point of defamation of my character and holding me back from moving forward with my life. I have letters I've sent them, copies of my certified letters sent via USPS and receipts, copies of my letters sent to Experian on XX/XX/XXXX ( first letter ), XX/XX/XXXX ( second letter ), XX/XX/XXXX ( third letter ), XX/XX/XXXX ( fourth letter ), XX/XX/XXXX ( fifth letter ), XX/XX/XXXX ( sixth letter ), and they did nothing to resolve all my discrepancies. I had to restart over with new letters to address again, also recently followed up with proof of my certified letter receipt dates and letters sent on XX/XX/XXXX ( first letter - 7th letter total ), and XX/XX/XXXX ( 2nd letter - 8th letter total ) - so in the last 2 and a half years ive sent over 8 letters to Experian with full details ( and have proof of all letters if needed ) trying to resolve this. Experian still to this date has not provided me my request to provide the actual physical proof of the full investigation of how this information is correct. It is not, and must be removed. XXXX XXXX XXXX XXXX and also XXXX XXXX ( auto loan ) to be deleted and removed from my credit report entirely. Experian still to this day is reporting a balance on both, and still reporting monthly I am late. This is against the law of the credit reporting agencies to do. XXXX XXXX says it is held with a 3rd party agency, but that agency does not handle my debt, and discover card refuses to resolve. This is horrible service and defamation of character and ruining my credit. It would be impossibly for Experian to state this information is correct when all my credit agencies are frozen ( XXXX, XXXX XXXX, XXXX, XXXX, etc. ) are all frozen so they couldnt of possibly been able to verify this information to be correct. This is fraud and false, and has consequences if not resolved. I even offered to settle with these agencies even though I don't claim being mine so I can move on with my life. So both Experian, and these agencies refuse to resolve this issue and will be taken up to the highest legal court route if necessary to resolve this illegal defamation of character and hurting my credit. Again, I have proof, receipts, and all letters that have been sent to Experian to look into this to remove, and still haven't in over 2.5 years. I demand Experian to remove XXXX XXXX and XXXX XXXX from my credit report or this will be forwarded to an attorney with all my proof of trying to resolve. Thank you.
Consumer complaint received 2021-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have submitted multiple requests to remove the incorrect account reporting on my XXXX XXXX XXXX, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. Bank of America has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : Bank of America Seems to have a similar name but that is not my name. 

I even tried to reach out to Bank of America and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XXXX. 

Please help me
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Received a recently requested credit report from TransUnion that reflected an error under the  Third Party Supplemental Section ( Public Records ). This section reports a Foreclosure ; hence the dispute. Credit Bureau Reps were unable to assi st with the investigation -- only giving contact information for   XXXX   XXXX     This company could not investigate my dispute. In essence, I was informed that there is NO FORECLOSURE in my credit report that potential lenders view, but the re IS one listed in the Public Records Section that is inaccurate. Pl ease investigate!
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

in XXXX-XX/XX/2020 I had a XXXX account show up on my credit report that I did not open. I filled it with XXXX as fraud and reported to my local police as identity theft although they said it was not of their concern and didn't do anything about it. after a few months of reporting it to XXXX It had left my report. now today I see it has showed back up on my credit score as Jefferson capital systems.
Consumer complaint received 2021-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (AL)

I have yet to receive my title from Global Lending. This process has been going on from XX/XX/2021 and until now, XX/XX/2021. I the consumer called numerous times and was told by untrained representatives that my title was being sent from a vault in NY, then was told that my title would take 8 weeks to be sent to me, then that my title couldn't be found. I heard every excuse there was.

I have been working w/ Global Lending to receive what I paid for.. the title to my car.

To add, A lender withholding your title is against the law in Michigan and is subject to be fined. I want this title and at minimum this creditor and their inputs payment history etc to be removed from my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>
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. (NY)

I reported a fraudulent account on my consumer report to EXPERIAN and XXXX. This account is from a company name XXXX XXXX ACCT XXXX XXXXXXXX. I do not have any business with then whatsoever. i filed an ftc report and i made XXXX AND EXPERIAN aware and put them on notice about the fraud. see attached letters sent certified with green reurn card XX/XX/2023. XXXX XXXX Experian XXXX the fraud account was removed then put it BACK on my Consumer Report WITHOUT A FIVE DAY NOTICE. 
THEY ARE VIOLATING. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) THIS IS HURTING HARMING MY CREDIT I AM IN THE MIDDLE OF THE HOME PROCESS THIS IS DAMAGING..
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. (TX)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
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