davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (PA)

I have been disputing inaccuracies on my Experian report and XXXX. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.
Consumer complaint received 2021-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing inaccuracies on my XXXX report and Transunion. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (CA)

I hired a company called XXXX XXXX to monitor my credit and to protect me from Identity theft. 
On XXXX, I was informed by XXXX XXXX that Arvest Central Mortgage company has reported to the Credit Bureaus that XXXX of my accounts is in major derogatory. I don't have an account in major derogatory, and all my mortgage payments are paid on time. The incorrect report from Arvest to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely.
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

I received a text message without providing consent from Wakefield and associates. They advised me that they are collecting a debt from XXXX XXXX XXXX XXXX. i have no idea who this is. They told me that they are XXXX XXXX XXXX XXXX. I am requesting a full itemized bill for this supposed debt that I owe. I had/have medical insurance. When i placed a complaint for Wakefield and associates on this website, they provided a one page bill dated this month WHICH I NEVER RECEIVED, which is supposed to validate the debt? How is that even possible? An itemized bill is needed to validate this debt I supposedly owe. Who is XXXX XXXX XXXX XXXX and what is their relation to this matter. I have no idea who they are.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( XXXX ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-11-23
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. (CA)

I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

I have sent numerous letters and disputes regarding certain accounts to each of the credit reporting agencies stating that I did not give consent for the account to be furnished on my credit report. The companies have responded that they have verified the information without the necessary documents to prove so. In order for an account to be verified, the CRA 'S must send the method of verification along with documentation of the investigative consumer report. The agencies have violated my right to privacy pursuant to 15 U.S Code 1681a ( 4 ) which states that agencies may not furnish any information without my expressed written consent. This action accounts for identity theft by each of the credit reporting agencies. Furthermore, pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ), credit reporting agencies must give me, the consumer, the option to opt of of any reported information. None of the agencies gave me the option to do so.

According to 15 U.S Code 1681a ( 2 ) ( A ) ( i ), the information reported can not only be transactions between the consumer and the companies listed on my credit report. The credit reporting agencies continue to report each of the accounts listed as verified with transactions without valued verification.

Credit reporting agencies need written instruction to furnish any credit reporting by myself, the consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ). I have never given any of the credit reporting agencies written consent or authorization for negative information to be furnished on my credit report. The agencies have committed fraud by using my identifying information without any unlawful authority to furnish information. By definition, these agencies have committed identity theft. 

According to 15 U.S Code 1681c2 ( a ), if I, the consumer provide the credit reporting agency a written statement of fraudulent activity ( along with appropriate proof of identity, a copy of the identity theft report ), the agency is required by law to block the information on my consumer report within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I mailed each of the credit reporting agencies a statement of fraudulent activity, a copy of my report with the FTC, and identifying documents ( driver 's license, and social security card ). I have not included a copy of my personal information with this complaint for security purposes. I have also attached a UCC-11 to this complaint lien search to show that I do not owe the alleged debts shown on the negative accounts reporting on my consumer report.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

I have sent numerous letters and disputes regarding certain accounts to each of the credit reporting agencies stating that I did not give consent for the account to be furnished on my credit report. The companies have responded that they have verified the information without the necessary documents to prove so. In order for an account to be verified, the CRA 'S must send the method of verification along with documentation of the investigative consumer report. The agencies have violated my right to privacy pursuant to 15 U.S Code 1681a ( 4 ) which states that agencies may not furnish any information without my expressed written consent. This action accounts for identity theft by each of the credit reporting agencies. Furthermore, pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ), credit reporting agencies must give me, the consumer, the option to opt of of any reported information. None of the agencies gave me the option to do so.

According to 15 U.S Code 1681a ( 2 ) ( A ) ( i ), the information reported can not only be transactions between the consumer and the companies listed on my credit report. The credit reporting agencies continue to report each of the accounts listed as verified with transactions without valued verification.

Credit reporting agencies need written instruction to furnish any credit reporting by myself, the consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ). I have never given any of the credit reporting agencies written consent or authorization for negative information to be furnished on my credit report. The agencies have committed fraud by using my identifying information without any unlawful authority to furnish information. By definition, these agencies have committed identity theft. 

According to 15 U.S Code 1681c2 ( a ), if I, the consumer provide the credit reporting agency a written statement of fraudulent activity ( along with appropriate proof of identity, a copy of the identity theft report ), the agency is required by law to block the information on my consumer report within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I mailed each of the credit reporting agencies a statement of fraudulent activity, a copy of my report with the FTC, and identifying documents ( driver 's license, and social security card ). I have not included a copy of my personal information with this complaint for security purposes. I have also attached a UCC-11 to this complaint lien search to show that I do not owe the alleged debts shown on the negative accounts reporting on my consumer report.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase Auto reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Consumer complaint received 2021-11-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Check City Partnership, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

I was looking for a loan online and to find out these 3 company said I still owe them. I haven't applied with any of them in 10-15 years.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (GA)

I have unauthorized inquiries on my credit report. 
XXXX XXXX inquiry date XX/XX/2021 XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX  XX/XX/2021 2021
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Hi, I purchased a product for {$12.00} on a Banana Republic ( Barclays ) credit card XXXX of XX/XX/XXXX. 
I did not get a bill in the mail like previously, nor did I EVER agree to email billing, My credit rating was always in the excellent range over 800. 
I received a letter from Barclay 's XX/XX/XXXX stating they're lowing my credit on this card due to a big credit rating drop. I checked my credit score and it did drop to fair just right above poor. 
Barclay 's reported me to the credit bureaus XXXX and XX/XX/XXXX for failing to pay, but they failed to send me a bill. The amount was {$88.00} at this point. They waved the charges. However, this is still on my credit and I always pay on time. My credit isn't close to where if was. 
Barclays has horrible business practices! 
I contacted the three credit bureaus and the XXXX and this company has done nothing. All I want is for them to take off that I was late on those two months. 
Thank you so much for reading and for your time!
Consumer complaint received 2022-11-11
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. (NC)

I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC Report.
Consumer complaint received 2021-11-23
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. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code

1681 ( b ) ( FCRA ). I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-11-23
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. (NC)

BACK IN XXXX OF THIS YEAR ( XXXX  ) WHEN I CHECK MY CREDIT REPORT XXXX MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL XXXX CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL XXXX CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL XXXX COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I have a best buy credit card thru citibank after my house hit my credit report they lowered my credit limit from XXXX to XXXX when i was carrying a XXXX balance now i am almost over the limit. I was not informed by the creditors this happened and called to find out why all they told me was because of my credit report. Now my score is lowering because i am over the limit on the card. Reps at bank just said the only way to go back is to re apply. Which i do not want to do since they just raised it 2 months ago.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2022 there are XXXX inquiries from XXXX seperate companies on the same day XXXX XXXX  XXXX XXXX XXXX XXXX I reached out to the dishonest company transunion where the info only posted and they are giving me the run around and claimed they did a investigation but gave me no proof. There still dishonest after the government says that they will be help responsible for targeting certain group of people
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (NC)

BACK IN XXXX  OF THIS YEAR ( 2021 ) WHEN I CHECK MY CREDIT REPORT 2 MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL 3 CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL 3 CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL 3 COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Kohls account # XXXX will not close account date closed XX/XX/2016 and remove from my experian credit report. Account is over XXXX XXXX XXXX. I spoke to several times with no outcome of resolving this issue. They continue to report to credit bureau as active account charge off which is incorrect. Also stated they sent my account to a collection agency with no info on that agency to give me. Kohls also stated they have no access to my account but continue to report it to experian. Please resolve my issue promptly thx