davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-03-07
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: Experian Information Solutions Inc. (TX)

In accordance with the fair Credit reporting Act XXXX account number # 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 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. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

For months or it could be years my credit report has not changed and I have been doing what I need to do to fix my credit. Things that Ive paid off is still on my account and my credit builder debit card with XXXX has started with {$0.00} balance some way some how your company had added {$900.00} on my account and I called the card company and they said they have no idea where it came from. My score has not changed because nothing has not changed on youll part. So I want to know how will this be fixed because soon Im trying to make some amazing moves and this situation is holding me up.
Consumer complaint received 2023-03-03
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: DISCOVER BANK (MD)

This Discover Bank account ( account XXXX XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

I had an account with Nordstrom/TD Bank that was opened in/around XXXX of XXXX. The account was placed in charge-off collection status in XXXX of XXXX. This is ONE account. Yet it is now -- and has for some time -- been inaccurately showing up on my account as having 37 ( THIRTY-SEVEN ) different charge-offs. I don't even know what collection agency has the account at this time, but I do know that ONE account should not be showing as 37 separate charge-offs. This is unquestionably bringing my credit score down, and unnecessarily at that. There is a SINGLE amount owed. I opened ONE account with Nordstrom, NOT 37, regardless of how many different collection agencies this account has fallen into the hands of. This information needs to be updated to ONE ( 1 ) charge-off or removed from my credit report altogether. Because the reflection that I have 37 various charge-offs with Nordstrom is fallacious.

As a resident of VA, I am protected by the federal Fair Debt Collection Practices Act ( FDCPA ), and Nordstrom is engaging in an abusive collection practice by leading me and would-be/future creditors to believe that I have 37 actual charge-offs with them, when in fact, it's ONLY ONE. This is working to prohibit me from being permitted to open future accounts with other creditors and limiting my financial growth This information needs to be updated to only ONE ( 1 ) charge off as opposed to 37, or this account needs to be omitted altogether. I have attempted to reach out to the parties who might be responsible for this, but have gotten no response.
Consumer complaint received 2023-03-07
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. (NY)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
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: National Credit Adjusters, LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

On XX/XX/2020 I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of Equifax and XXXX did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/2020 I sent letters to XXXX XXXX and Transunion regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of XXXX and Transunion did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.
Consumer complaint received 2021-01-08
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. (AL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please remove the fraud accounts!
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax has repeatedly failed to respond to my certified USPS mail request to disclose their method of verification process as required by the FCRA. As such, the fraudulent account should have been permanently deleted from my credit file as it is negatively impacting my credit worthiness. 

PLEASE DELETE NOW!!!!
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NH)

I just received a statement from afni, a collection agency stating that we owe debt to XXXX in the amount of {$1200.00}. We have not used XXXX in over 10 years and when we terminated our service with them, we were current, owing nothing to them. I believe it is a fraudulent account as we simply do not owe this money.
Consumer complaint received 2022-10-31
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX XXXX  : {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.
Consumer complaint received 2023-03-06
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 611 ( 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 2023-03-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that you will immediately correct this matter. Thank you. 
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 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-03-07
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

on XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused me
Consumer complaint received 2023-03-07
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. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After a year of interest and credits awaiting chargebacks of airline and hotel we are almost there with reconciliation Again I examined each statement since XXXX till XXXX 2021 The following is my findinds. PLEASE let me know if wrong and where is my calculation off. 
XX/XX/XXXX, {$8.00} ; XX/XX/XXXX, {$14.00} ; XX/XX/XXXX, {$20.00} ; XX/XX/XXXX, {$4.00} XX/XX/XXXX {$4.00} ; XX/XX/XXXX, {$51.00} {$5.00} ; TOTAL INTEREST CHARGED {$57.00} CREDITS : XX/XX/XXXX, {$40.00} ; XX/XX/XXXX, {$1.00} XXXX, {$0.00} XX/XX/XXXX, {$9.00} TOTAL CREDITS : {$51.00} DIFFERENCE DUE : {$5.00}
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (CA)

I tried to get the company to deactivate my account and to clear all my personal records. I dont want someone hacking the company to get access to my banking accounts especially since I dont use their services anymore. 

They sent onerous list including a photo ID that they never asked when I signed on. All I want is for them to deactivate my account. If they want to confirm its me, they can send me correspondence on records they already have with me.
Consumer complaint received 2022-10-31
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. (IL)

Experian and XXXX have not been properly investigating a inaccurate account on my credit report. They were notified of the issues with this account on my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX EXPERIAN and XXXX never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. Experian and XXXX was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above-mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?
Consumer complaint received 2022-10-31
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/2019 XXXX If Experian feels there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian does not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.