davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (CA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I have contacted Equifax on multiple occasions in regards to an error always populating when I try to generate my credit report online. I can no longer get it through annaulfreecreditreport.com and all the credit softwares like XXXX  and XXXX. I keep getting an error message that says to call. I call and the agent says the problem will be escalated yet no one ever reaches out. They keep offering me my credit report in the mail but the issue is the inability for my to access my report digitally. I have the right to be able to access my credit report online at any time so this issue is a direct violation of my rights as a consumer. I want this issue to be resolved ASAP. I need to know why Equifax is blocking access to my own report.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have reported identity theft to Experian. I sent them a police report identifying the XXXX XXXX XXXX account, and the other supporting documents that they require. Experian has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than 30 days ago. 

The XXXX account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {$4500.00} on it. I have also provided the police report and my statement to XXXX about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within 4 days. 

It is becoming a common problem that Experian refuses to follow the law, and they are acting to harm consumers knowingly and willingly. XXXX is also particularly bad at following the law and removing fraudulent accounts.
Consumer complaint received 2019-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Manhattan Beach Venture, LLC (RI)

On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts.
Consumer complaint received 2022-10-03
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. (AZ)

I value your help to DELETE some account from my credit report that transpired because of a FRAUD yet I have certain account passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (FL)

XXXX XXXX XXXX XXXX has placed an account with a collections company stating that I owe a balance of {$670.00}. CBCS is reporting this debt from XXXX XXXX XXXX XXXX to my credit report. This collection agency is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and credit score.
Consumer complaint received 2023-01-21
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. (NJ)

I received a letter from XXXX XXXX stating that " Action needed to process your credit card account application # XXXX ''. 
I DID NOT apply for this credit card. I called XXXX XXXX at XXXX to tell them it wasn't me who applied for this cardt and they said I needed to call Equifax and file a complaint for Fraud right away. I logged into Equifax and found this Hard inquiry on my account See Below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I have no idea who this is or why there would be a Hard Inquiry on my account. Equifax told me that I can NOT remove it or Dispute it until I file here and send them a copy of the report from here. Equifaxe also told me to file a police report BUT ... .how do I file a police report when all I have is the info I saw on Equifaxand aa letter from XXXX XXXX saying that they can not process the credit card because they need more info from me. 

I am so confused and now worried that someone is applying for credit cards using my info. Can you help me? 

Sincerely, XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2020-01-15
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)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (ID)

The Collection Company had garnished my wages for a year. When garnishment was paid in full, instead of reporting the debt as paid, they deliberately left a {$5.00} balance showing and dropped my credit score by 45 points. This debt was paid in full. This company knew it was. The garnishment was for over {$4500.00}. All went to Outsource and for them to leave a balance of {$5.00} was clearly deliberate. I had no control over any of it.
Consumer complaint received 2022-12-27
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. (CA)

I send an opt out letter to XXXX, XXXX, and Experian. On XX/XX/2022. I haven't got a response from any of the companies above.
Consumer complaint received 2022-12-27
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. (TX)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX L XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-15
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following account is not reporting accurately. Please investigate and verify the following information. If this account can not be verified please delete the derogatory remarks from my credit report, I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. On the account, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (AL)

I filed chapter XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX and XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over XXXX disputes, with all results being that XXXX finds the current information to be accurate and no changes madeXXXX made changes more severe, it is very clear bankruptcy is not a charge off. On XX/XX/year> my XXXX credit score I could see was XXXX, XX/XX/year> my score XXXX, World Finance Acct beginning with XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Paymen legend stating charge off. XXXX XXXX filed a complaint in regards to this on my XXXX with cfpb, now XXXX XXXX is retailaiting against me by now attacking my credit profile with XXXX. XXXX refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. I am suffering from XXXX and World Finance XXXX reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in Chapter XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and World Finance are dilibertly causing un-repairable harm to me by the XXXX disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Consumer complaint received 2024-06-13
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: The Receivable Management Services LLC (LA)

XXXX and XXXX reporting a collection from Receivable Management saying that XXXX XXXX is the original creditor. I have never had a XXXX  account, I contacted XXXX XXXX  and they stated that they have no information on me ever having an account with them. I contacted Receivable Management and I was told they could not have it removed because they can't pull up an account without an account number and that nothing pulls up in their system from my name or social security number. This account does not belong to me.
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (FL)

In 2016, I did a regular XXXX  check and half  XXXX  XXXX  in XXXX   XXXX  at XXXX XXXX XXXX XXXX XXXX # XXXX. The appointment for the other half was cancelled due to hurricane Matthew, and I didnt do it. I have XXXX XXXX  at that time, which was confirmed by XXXX XXXX  before they conducted the service. I paid eighty something after the first half of the XXXX   XXXX, which was the amount I was told to pay. Later I got another bill for ninety something. Since it is normal for adjustment of a medical bill, I paid that bill too without asking for any detail. I didnt hear from them until TWO YEARS later and received a bill of more than two hundred dollars. When I called them, the accountant  said I needed to pay the bill and if I had problem I should ask my insurance ( the insurance I had two years ago. ) When I told them what I paid and pointed out that I didnt get any bill for the past two years, the answer from the accountant was I wasnt the accountant  two years ago. 
After I refused to pay, the XXXX XXXX sent the bill to AWA collection. After I received the letter from AWA I contacted AWA and requested for all the details and reasons for additional charges after two years. The only thing I received is a list of charge without explanation. But it seemed that the XXXX XXXX did not collect any money from my insurance. I called AWA again and AWA agency said she could not help even she agreed with me. Early this year, the AWA filed a credit report, which affected my credit a lot. In addition, I found that AWA is still collecting the money with increasing interest even though I didnt receive any letter since I called them. 
This really bothers me a lot. What can I do to solve this problem.
Consumer complaint received 2022-10-03
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. (LA)

According to the provisions of the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) states that a Consumer Reporting Agency can not publish an account without my written instructions. The Reporting of Late Payments by this creditor is a violation of 15 USC 1666 ( b ). Pursuant to the above listed FCRA laws this account must be UPDATED to PAANL or DELETED. This account is in violation of ( XXXX ) FCRA Laws resulting in inaccurate credit reporting on my consumer report.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: 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. (GA)

On XX/XX/2022 I mailed out letters to all XXXX credit bureaus that prompted them to respond within XXXX days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all XXXX bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been attempting to resolve my credit concerns since XX/XX/2019 and it is now XX/XX/2019. The car was repossessed, but redeemed in XX/XX/2019, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX  of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies.

I have a loan for a XXXX  XXXX  XXXX  with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/2019 where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?