davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, XXXX, and XXXX regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (TX)

XXXX, XXXX, and Experian has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're  scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.
Consumer complaint received 2020-02-23
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. (TX)

Equifax, XXXX, and XXXX has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (FL)

A request was forwarded to Experian regarding multiple accounts requesting them to provide verifiable proof of the negative events they are showing on my credit report, and to date, I have yet to receive any information to confirm that the information they are reporting is accurate or correct, needless to say, they continue to report INCOMPLETE accounts. I have contacted Experian 's office on XXXX XXXX, 2017 and spoke with XXXX ( in the Disputes Department Team Paragon ) the  United States and advised of this and he placed me on hold and did a conference call with one of the creditor 's in question. I asked XXXX if they did this upon my initial request, why in fact are we doing this again. According to him, they did n't do this before, they only sent an automated request and awaited the company 's reply. I advised him that this is not a reasonable investigation according to the FCRA and them continuing to report incomplete account information is complete violation of the FCRA. According to XXXX, the companies are allowed to report whatever they want to report and Experian ca n't do anything about it. I reminded him that this is willful and malicious violation of the FCRA and self admittance that they are n't in compliance and are not able to verify anything that the companies are reporting. He stated there is nothing that can be done. <P/>We finally were connected to XXXX at XXXX XXXX XXXX XXXX, which was one of the accounts in question. I asked if XXXX if they received a credit dispute from Experian and he confirmed the dispute came over on XXXX XXXX, 2017. Per XXXX at XXXX XXXX, he stated that the request came over that the needed to verify name, address and DOB. I advised him that this was not the nature of the dispute sent over to them. I asked XXXX at Experian to refer to my letter sent over and he did and he stated they disputed the account as " NOT MY ACCOUNT ''. I advised him that nowhere in the letter does it state that and hence the reason for the account still reporting incompletely. Per the information on the updated credit report, it reflects that the account was " updated '', HOWEVER, there is no new, updated or changed information on the report. <P/>We were able to contact the Office of the President of XXXX XXXX XXXX XXXX  and spoke with XXXX ID Code : XXXX who confirmed the information came over as they needed to confirm the account holder 's name, address and personal information. ,
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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: OneMain Finance Corporation (TX)

I pulled a copy of my report and saw that on XX/XX/2022, ONEMAIN, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX had a hard inquiry on my account that I did not authorize, I reached out to them, and they said they would remove it and it's still there. I reached out to XXXX, and it's still on my record.
Consumer complaint received 2020-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This complaint is in regards to a Violation the the FCRA as well as the FDCPA.. For Portfolio Recovery Associates constantly , with out regard, and my many attempt to get this problem cleared. Continues to reports debt illegally without verify the alleged debts. The two accounts which I've disputed starting back in XX/XX/2019 with PRA. ( XXXX XXXX Acct # XXXX, Amount {$450.00}, ), ( XXXX  XXXX Acct # XXXX, Amount {$430.00} ) .Requesting them to provide me with validation. However, to date they continue to send me a bill print out. As if that's substantial evidence of debt owed by me. They haven't provided any other proofs I requested in my initial letters, as well as subsequent letters requesting obligation to pay and a contract that I signed or gave authorization to someone else. They're committing fraud by attributing debts that don't belong to me and continue to do it without providing me with sufficient proof. This is a complete violations on my consumer rights under the FCRA and the FDCPA. Please investigate this matter. Thank you.
Consumer complaint received 2016-06-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (OK)

In XXXX XXXX we purchased a modular home on XXXX acres address XXXX XXXX XXXX XXXX XXXX ok XXXX. XXXX Mortgage was lien holder of this property. when loan was paid we never received a lien release and did not realize this till we sold our home and went to close on XXXX XXXX, XXXX that their ( XXXX/Freedom ) name was never taken of title. XXXX is now/Freedom Mortgage ( the Lien was in XXXX and XXXX XXXX name ) I have been in contact with them multiple times and just last week they finally sent me to a place called XXXX they said give them 5 working days today is the fifth day and no response I have submitted paper work to them showing where the loan was paid and as of today have not gotten a lien release. I am not sure how long my buyers will wait.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (NC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-23
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. (GA)

I have a private student loan with XXXX XXXX XXXX XXXX XXXX and this company updated my XXXX  and XXXX  payment status to CURRENT and PAYS AS AGREES. However, when I spoke with the original creditor or XXXX XXXX XXXX XXXX XXXX, my account manager explained that they sent electronic notification to XXXX, XXXX, and Equifax on XX/XX/2020 to update my account status to CURRENT and PAYS AS AGREES. I advised her that XXXX  and XXXX  did update my record accurately, but Equifax has NOT updated my records at all. I have previously provided Equifax with two letters disputing the late payments regarding the XXXX XXXX XXXX XXXX XXXX account and they refuse to do so. 

I asked my account manager to provide me a copy of the notification they sent to all three bureaus dated XX/XX/2020. I have attached a copy of my email communication regarding this concern with XXXX XXXX XXXX XXXX XXXX. 


Thanks
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2020 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NC)

I checked my credit report on XXXX  for the first time in years cause they couldn't prove it was me until I sent copies of identity cards SSI card, pay check stubs and I didn't have any time to get it done, well theres a debit collection agency that has been calling me all these years about medical bills and if I don't pay by the date i would end up in court and paying like a crazy amount for court cost and lawyers fees and double the amount, well I wasn't even able to get to any doctors or hospitals for treatment cause around those dayes i was XXXX, and they won't stop updated it on my credit report, and other things are going on to like unknown companies are running credit inquires for credit and it was not me, i do have the proof that I was a victim of identity theft and I was incarcerated at that time to, I didn't know til I was released an got back into my email account and it was to late to show the court the pain and suffering i went through to try to get credit, that was done and now these medical bills are popping up on on my credit report bull city Financial Solutions XXXX
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NY)

Contacted XXXX XXXX XXXX on XX/XX/2017 they told me I owed {$290.00} and told me that the other amount I had in their office for the amount of {$85.00} was paid in full. I the company then called me back another representative saying I owe {$85.00} and I told them I just talked to a representative on the phone telling me that it was paid in full and it is illegal for them to classify false information to me I spoke to a manager on the phone that was cussing at me and being very rude. I then told the manager that it is illegal for them to cuss at me over the phone and I asked to speak to his supervisor and he said that he is the only one in the office and that there was not any other managers on duty. The manager then kept cussing at me then disconnected the call on me over the phone
Consumer complaint received 2020-02-23
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: Santander Consumer USA Holdings Inc. (CA)

The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

XXXX XXXX XXXX XXXX AND SANTANDER CONSUMER FINANCIAL
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. <P/>I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. <P/>XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. <P/>Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. <P/>Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. <P/>Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. <P/>Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. <P/>The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! <P/>I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. <P/>THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! <P/>I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. <P/>I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. <P/>I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! <P/>Help me! I believe I have been intentionally deceived. Do what must be accomplished. <P/>Thank you. <P/>XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX
Consumer complaint received 2021-02-18
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)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Company Name ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,
Consumer complaint received 2020-02-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

USAA FEDERAL SAVINGS BANK AND XXXX XXXX   XXXX
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is older than 7 years, I have tried getting it off my credit report and no one will help. I am trying to clean up my credit reports and need help, I am trying to purchase a home for myself and XXXX young children. I need these accounts that are older than 7 years off my credit reports please. 

XXXX  credit card is closed and is XXXX XXXX XXXX, I need it deleted off my credit report.
Consumer complaint received 2019-03-13
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. (MI)

I filed disputes with the 3 major credit bureaus XXXX, XXXX and Equifax. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation