davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
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. (AZ)

Hello, The reason for taking the time to write this is in hopes of getting to someone that can help me respectfully and to the best of their ability. I have been calling Experians dispute center for the past week already. today is XX/XX/XXXX. todays call was the worst. I am currently trying to get a mortgage on a house. my lender lady informed me she was unable to pull a preapproval for me due to an inaccurate reporting of a charge off i had back in XXXX. My lender has been doing this for a LONG time and has never seen this type of situation as i am having now. Her and her team of credit experts and credit repair people had advised me to call the  person reporting my bad credit to get the date fixed on the DATE LAST ACTIVE because on my credit she said it looked as though it just happen rather than it being charged off years ago. i called they said theyd send a letter to the middle man and get that fixed.. well my mortgage lady suggested i also call the credit bureaus and make sure they corrected that as well. she then told me that the only one reporting it wrong was experian that XXXX was reporting the date last active as the date it got charged off. well i called experian twice and they were unable to help me. I am terrible with words and do not like conflict. My mortgage lady then got furious that experian was being no help at all. she offered to do a conference meeting with experian and myself so she may speak in my behalf. Well that call was today XX/XX/XXXX at around XXXX i forgot the guys name but he was rude towards the end when we asked to speak with a manager. he insisted that his answer was correct instead of just letting us speak with his manager to let us verify and make sure, he kept arguying and responding back rudely until finally he said " ill get you the manager theyre just going to tell you the same thing i just did '' he put us on hold for what felt like a good 10 minutes just to hang up on us afterward. what kind of customer service is this? i cant believe this is the way we were treated.
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I attempted to sell a vehicle over this past weekend and come to find out that the State of Nebraska still shows that Capital One Auto Finance is still listed as the lien holder. This loan was paid off in XX/XX/XXXX. 

Starting on XX/XX/XXXX at XXXX XXXX CT, I have talked to 13 individuals with Capital One Auto Finance and I still do not have a notice of the lien being released. After speaking with XXXX, Resolution Specialist, on XX/XX/XXXX ( person number 7 ), he assured me that I would receive a fax for the XXXX XXXX XXXX  with the lien release to be submitted to the State. I received the fax in about 15 minutes, but it was for the WRONG VEHICLE. I called back finally spoke to XXXX, Resolution Specialist, ( person number 11 ) and I was assured that I would receive the fax with the correct vehicle within the first two hours of business on XX/XX/XXXX. I failed to receive a fax and after calling again, was eventually transferred to XXXX, possibly a supervisor - person number 13, told me that the case was closed as Nebraska can not accept a faxed lien release ( after I called the State directly yesterday and received a fax number to have it faxed to ). He continued to tell me that he was unable to get a hold of someone else to escalate. I asked him to call me with an update and he does not have the ability to call out. 

I have taken over three hours away from my own job to deal with this ( cancelling meetings to tend to this issue ), I am paying insurance for four vehicles now and losing interest from the purchase of a new vehicle as this trade in would have been used for the down payment.
Consumer complaint received 2022-07-20
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-28
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: SYNCHRONY FINANCIAL (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.
Consumer complaint received 2019-01-05
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. (IL)

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX  , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX , XXXX XXXX and XXXX XXXX .
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2019-01-05
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. (IL)

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX   XXXX, XXXX  XXXX XXXX  , XXXX , XXXX, XXXX , XXXX XXXX,  XXXX  ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX  , XXXX XXXX  and XXXX XXXX .
Consumer complaint received 2024-03-06
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. (FL)

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 bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery, has continuously reported multiple accounts on my consumer file that are not mines & without my written consent. 
On XX/XX/2022 I notified Portfolio Recovery via email about two accounts they were wrongly reporting on my file. I demanded validation or deletion. They did not remove these accounts from my file while reinvestigating, they did not send me valid proof that I own these accounts. Instead theyve sent me a bunch of bills they alleging I owe with no valid proof attached & they continue to report these two accounts on my consumer file that are not mines.
Consumer complaint received 2023-06-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2018-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (TX)

I have asked the company to not call my phone before XXXX due to my work hours and can get into trouble when on the phone and instead of respecting my wishes they have started calling 7 times before XXXX. I have been reprimanded once for answering their calls during work already and they have continued to call.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

ok I have an account with XXXX XXXX XXXX XXXX and i got the loan XX/XX/XXXX still working on the settlement I know it stays on my record for 7 years 6 months from date of the first delinquency which was reported as XX/XX/XXXX Experian is now showing that it is scheduled to come off XX/XX/XXXX that is illegal re-ageing because that would mean that my first delinquency was XX/XX/XXXX they are purposely trying to add an extra six months to stay on my report I have their own report from XX/XX/XXXX that shows the first delinquency as being XX/XX/XXXX which means comes off report in XX/XX/XXXX, not XX/XX/XXXX they are just trying to force me to pay and I get that but the law is the law
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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. 

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 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 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

In XXXX, I filed a dispute through the CFPB as a collection with XXXX XXXX XXXX  for {$220.00} showed up on my report. It came out that the account is my brother 's, not mine. 

XXXX XXXX XXXX never sent me any information or verification on the debt, presumably because it is an account under my brother 's name, not mine, and they put it on my reports in error. The debt ended up being removed from my XXXX and Equifax reports, but now it has been reinserted into my Equifax report without notifying me.
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit reporting Act XXXX account # 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 an account without my written instructions. 

15 USCC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-05
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)

In contempt of the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Kindly delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (AL)

I submitted complaint ID # XXXX on XX/XX/2019 against XXXX, which is a division of Alabama Housing Finance Authority. 

Not only has neither company responded to my submission, I have since been locked out of accessing my account online. There has been no communication to notify me of any changes made that might require my attention. An attempt to login shows the notification " The user name and password combination you entered does not match our records. Please try again ''. 

I attempted to create a new online account using my account information, and I bet the message saying " the information does not match our records on file ''. 

Attempts to update my password result in the same type of message, saying the information doesn't match their records. 

Given that my original complaint was in regard to being charged a late fee due to an apparent change in their policy, I'm furious this payment will be late because they've locked me out of online access. I'll be calling them tomorrow, and if it isn't settled, there will be another complaint filed.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (MI)

I wish to sue Discover about its siding with XXXX over two charges on my bill. Discover sided with a company that falsely advertises its inspectors are certified by a couple of associations, that gave us incorrect information about an obvious issue with an air duct, that doesn't honor its own satisfaction guarantee, that said it would send out both inspectors it has on the 2nd house but only one of  them arrived on inspection day, and that is unprofessional/condescending to its customers. 

Unfortunately, Discover is hiding behind forced arbitration which favors big business. Discover needs to remove forced arbitration clauses from its terms of service.

At any rate, I do not agree to Discover 's forced arbitration policy for my account.
Consumer complaint received 2023-06-26
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 to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights of privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer report agency can not furnish an account without my written instruction
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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 very inconvenient on my part!
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

i sent letters to the 3 CRAs ( XXXX, XXXX, and Experian ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below
Consumer complaint received 2022-04-28
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)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX