davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020 I sent correspondence to Portfolio Recovery Associates, LLC. I asked them to provide a VALIDATION BY NOTARIZED STATEMENT by a person with original knowledge of the alleged debt and if they could not provide that within 30 days then they were to delete the item from the 3 major credit bureaus. They are not to send statements or verify they have my address. I have no contractual obligation that ties me to Portfolio Recovery Associates, LLC and if they can not provide a Validation by Notarized Statement then they must delete the item from my credit report.
Consumer complaint received 2020-07-29
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)

During XXXX, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # Visa ending in XXXX was not removed from Experian and XXXX  and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-10
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. (TN)

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2020
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/2018, $ XXXX+ was taken out of my Bank of America checking account. That same week I called and complained about the money being taken out. The total came from two different areas, one in XXXX XXXX and one in XXXX XXXX. I was in XXXX XXXX for the weekend with my girlfriend for our anniversary. I even made a purchase in the XXXX XXXX ( about an hour from XXXX ) at XXXX XXXX. But that weekend I noticed that someone had purchased something at a Target in XXXX XXXX and at a XXXX XXXX in XXXX XXXX. I called and got credited all of my money back. 45 days later I got a letter in the mail saying they were taking back the {$390.00} and that the case was closed. I wondered why me? Why is my money being taken for no reason? I trust my bank to protect my money but even when it gets taken they cant give it back. I called multiple times and they would tell me that the purchases were made with a PIN number ( which nobody knows but me ) and that for that reason they can not give me my money back. I called a few more times, waiting hours on hold to talk to people who were rude and seemed like they didnt want to do their job, just for them to finally tell me to send a letter in the mail. So I sent a letter, kind of like this here, describing the situation. Around the beginning of XXXX I finally call again to check on the status of my claim. It had been over a month since I sent the letter, but they were still working on it. They told me to wait about a week or two and Id get a final response. Well, it has been over a month since I last called. Im a XXXX   XXXX trying to pay for school and other expenses while being taken advantage of by my bank. I dont know what more to do. Those {$390.00} could be used to pay for books or a meal plan so I wont starve this quarter.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.
Consumer complaint received 2018-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

After I consolidated my student loans I have been on the income based repayment plan since im pursuing the public loan forgiveness program. I certified my employment with XXXX XXXX on XXXX of 2017 and soon after I received a letter stating that I had 81 qualifying payments. Fast forward to this month and I logged into my online account. XXXX XXXX updated their system and to my surprise they only have me with thirty something qualifying payments. I contacted them for help with out any luck. They we're rude condescending and they said that I was not on a qualifying payment plan. That is incorrect because I renew my eligibility every year and I have certified my employment twice. I'm worried that their mistake will make me have to continue making payments when I should be eligible for loan forgiveness. Thank you
Consumer complaint received 2018-08-19
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: CORELOGIC INC (CA)

Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, CREDCO, provided a blanket disclaimer that they were a third party and would audit XXXX XXXX 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until CREDCO completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. XXXX XXXX 's telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.
Consumer complaint received 2018-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

After providing their internal file number for me ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

The items I asked to be investigated are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  not mine
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by Equifax and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

A collection amount of {$3800.00} has shown in my credit report when I reviewed my annual credit report with XXXX. The collection was from Diversified Consultant ( XXXX ) with the original creditor is XXXX. I'm confident that I've had an account with XXXX. I contacted both Diversified Consultant and XXXX but the issue was not resolve. I would like to ask for the support from Consumer Financial Protection Bureau as this issue will negatively affect my financial credit. 

Also, additional information, this is a repeat issue. It happened to me in XX/XX/2016. I called XXXX to report the issue and I never heard back from them. At that time, i thought it was resolve because it hasn't shown up in my account or I've never back from them.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CA)

As far back as XXXX/XXXX/XXXX, I furnished collection agency Hunter Warfield with proof I was paying this debt to the original creditor via a wage garnishment order. I recently learned this company is still reporting the full amount of the debt as outstanding. Last month, I mailed them a copy of the court document Acknowledgment of Satisfaction of Debt filed on XXXX/XXXX/XXXX by the original creditor showing the debt has been fully satisfied. They again mailed me a form letter, ignoring my documents submitted and listing the full debt as still outstanding and fully due.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-10
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 Acct # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2020-08-01
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: Experian Information Solutions Inc. (CA)

I've been having this issue with Experian since XX/XX/2020. The only way to get a free credit report is through the annual credit report website. But here 's the thing, I can't pull my Experian on Experian.com or any other credit monitoring sites. It always seems like they're blocking my request. Called Customer service and she didn't know what was going on. She stated someone will contact me about it in 24 hours. No call or anything. This is NOT right.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/year> I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.
Consumer complaint received 2022-03-10
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. (CA)

XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX
Consumer complaint received 2018-08-19
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. (GA)

I am a victim of Identity theft. I wanted to make sure I was doing everything correctly so I read up about what to do at the FTC website. That said, it has been 3 months and Equifax still has not deleted the unknown accounts. 

I reported the fraud to the FTC and provided the case number to Equifax. I also filed a police report with an officer, picked up the Police Report from the records office and had it stamped by them. 

In addition I had the police report and my personal statement notarized and I am still being ignored by Equifax and the unknown accounts remain on my credit. I dont know what else to do but to file a law suit if you cant help me. 

The following entries do not belong to me XXXX XXXX XXXX  Acct Number XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Acct Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number XXXX
Consumer complaint received 2018-08-19
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. (GA)

I have contacted Experian for the past 6 months about the 2 fraudulent Bk 's on my credit. I have reported the fraud to the FTC and provided Experian with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the fraudulent accounts remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX Experian Report Number XXXX
Consumer complaint received 2018-08-19
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. (NJ)

On XX/XX/2018, I sent certified letter to Experian Credit Bureau due to unknown and unvalidated credit accounts. I received a Dispute Results dated XX/XX/18 stating the investigation was complete. However, the information remained the same. I sent a second certified letter on XX/XX/2018 requesting the documents that were used to verify these accounts and the name of the person who verified these accounts. I received a Dispute Results dated XX/XX/18 once again stating the investigation was complete but no supporting documents. The accounts in question are from Creditors : XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XXXX, XXXX and XXXX ), by phone once ( early XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the XXXX XXXX and Transunion ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are now XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. These payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy in XXXX XXXX and were out XX/XX/XXXX.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX  report of {$98.00} that should not be on my report because it was fraudulent.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX report of {$98.00} that should not be on my report because it was fraudulent.
Consumer complaint received 2021-04-12
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 contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.