davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (TX)

I have pulled my credit report and noticed that there are inaccuracies regarding the information that Experian is allowing to be reported. I have sent several letters regarding these issues, but the company has not responded to my request. My credit report also has not been updated.

First of all, they are reporting incorrect personal information for me. My name, mailing address, last four of my social, phone number, and employer are all incorrect and need to be updated immediately. 

There is also other information that is being reported against me, and I have asked Experian multiple times to update/correct this information and they have failed to do so.

The following accounts are being reported as late and should not be due to the Covid-19 C.A.R.E.S. which provided student loan forbearance during the pandemic. The following accounts are reporting late payments between XX/XX/XXXX and XX/XX/XXXX : US Dept EDXXXX These two accounts are negatively impacting my credit score, and should not be reported as late due to the federal law that was passed providing relief for student loan payments during the pandemic.

Also, there is a closed account for XXXX in the amount of {$530.00}. I have asked for over a year for this account to be validated and Experian has failed to do so time and time again. If this is a valid account, then there should be no problem with Experian providing proper documentation to show me that this should be reported. I do not recall this account, and I need proof that it should be showing up on my credit report, otherwise it needs to be removed. 

Also, Experian currently is not providing me with up to date credit reporting. I contacted them about a week ago to check on the status of my personal information updates, I was told that my profile would be updated, but my report is still not current and when I try to pull a report I am being informed that it is not available.
Consumer complaint received 2019-06-16
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. (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.
Consumer complaint received 2019-06-16
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 (TX)

Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a certified letter to them on XX/XX/23, and asked them to stop reporting my innacurate information to the 3 credit bureaus without my permission. They are reporting late payments as well.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Corp. has reported to the 3 credit bureaus -XXXX XXXX XXXX and XXXX  that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.
Consumer complaint received 2023-06-11
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account XXXX ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX Bank dated XXXX. XXXX, 2022. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-06-16
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: Bread Financial Holdings, Inc. (TX)

I have credit inquires listed on my credit report that I did not authorize. After seeing these I reached out to bot companies to have this resolved and removed. I sent both companies certified letters over sixty days ago, yet the inquires still remain.
Consumer complaint received 2018-12-23
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. (MA)

Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

America Express m arkets their EveryDay credit card as provid ing 2X POI NTS  at U.S. su permarkets on up to {$6000.00} per year in purchases, but fail to provide reward points for purchases from major  XXXX  California grocery stores, specifically  XXXX  and  XXXX .  XXXX , one of the largest supermarket chains in th e US, ow ns  XXXX  and  XXXX  ; the  XXXX  Website store locator clearly shows the stores. I have purchase d $ 1000s  of dollars from  XXXX  and  XXXX . I opened a complaint wi th Am Ex  :  XXXX . Am Ex says the  XXXX  division merchant coding indicates the stores  (  which  XXXX  is a part ) are something other than supermarkets. That is just flat out wrong. I cant fix it ; Am Ex wouldnt. I am hoping the CFPB can lend a little clout to getti ng Am Ex to fix what is probably a clerical or systems error and live by what they promise.
Consumer complaint received 2020-09-24
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. (MS)

This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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.

has violated my rights. Or list of inquiries 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 2016-07-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I refinanced mortgage and according to Ditech Financial, the loan was paid on XXXX/XXXX/2016. At that time, my escrow balance was {$4600.00}. However, Ditech Financial deducted another MIP premium payment for {$300.00} on XXXX XXXX, 2016, after the loan was paid off. 

According to my title company attorney, Ditech should not have taken any more full MIP payments after the loan was paid off. 

Can you please help? 

Thanks
Consumer complaint received 2020-06-07
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)

I have repeatedly informed this company that XXXX is unable to find an account under my name. How is it that Experian is able to validate an account that XXXX themselves are unable to find? I have attached a letter from XXXX confirming this information. 

This is the first step in my resolve to seek litigation.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

I have filed a dispute with XXXX. There is an account on my credit report from MIDLAND CREDIT MANAGEMENT on behalf of XXXX XXXX  that is 9 months old in the amount of {$900.00}. In 2023 I was studying abroad in XXXX ( XXXX, XXXX ) as part of FIUs study abroad program. There is no way this account belongs to me as I did not apply for any credit in XX/XX/year>. Nor did I receive any. I also have paid off all my creditors from the past. This information needs to be removed as flagged as identity theft.
Consumer complaint received 2019-04-13
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. (MN)

I Need to File a complaint on Transunion I have asked them to investigate an account that I'm not sure is mine They keep claiming that the info was Verified as belonging to me I had asked them to send me Physical Proof as to How they investigated it and they refused I had reached out to the creditor they told me that they had no information about the account so I asked Transunion to look into but they have failed to do their Jobs I need physical proof that this account is in fact mine I need a credit app or any type of voice auto that it is in fact my account if they can't send me either of the requested info this account CAN NOT BE REPORTED IT HAS TO 100 % VERIFIED! so I will asked again and this will be my last before I take legal action XXXX XXXX ACCOUNT XXXX Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section  611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-10-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

In XXXX of XXXX I received a collections letter from XXXX XXXX XXXX on behalf of the University of XXXX for a Perkins loan. They said I owed {$4400.00} and needed to pay immediately. We settled on 11 automatic payments of {$400.00}. Monthly, from XXXX XXXX to XX/XX/XXXX, {$400.00} was withdrawn from my bank account. After my last payment was withdrawn in XXXX of XXXX, I considered the loan paid off. 

On XX/XX/XXXX, I received a call from Heartland ESCI claiming that I owed still {$1900.00} on the loan. When I checked my credit report, the loan was also listed there, causing my credit score to drop. I asked for a debt verification letter on XX/XX/XXXX. On XX/XX/XXXX I called Heartland ESCI and they said that I was missing three out of 11 payments for the Perkins loan. I called the University of XXXX  Student Loan Collections Office and they also confirmed that 3 payments were missing. I sent over a copy of my bank statement showing the 11 withdrawals. On XX/XX/XXXX, the student loan collection office at the University of XXXX called me back confirmed that they have found the three missing payments. XXXX XXXX XXXX failed to post them to my account and then closed out my account. Instead of the {$1900.00} I supposedly owed, I owed the remainder interest payment of {$160.00}. The closed account went to Heartland ESCI who then damaged my credit trying to collect on a loan I had already paid off.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX a letter to dispute the legal name of the bankruptcy court was sent to equifax with additional reports listing the same inaccurate name in my credit file. Equifax replied with a letter listing my entire name ( first, middle, last ) stating they were unable to find my credit file in their database. Yet, my letter of dispute only lists my first and last name! Since they do not have me in their database, how do they know my middle name? 

I wanted them to delete the bankruptcy because they have never reported this item with the legal name. They reported the court 's name inaccurately.
Consumer complaint received 2019-06-16
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. (TX)

Upon reviewing my credit report I found two hard credit inquiries that I did not authorize. 
I reached out to both companies asking to have them removed immediately. i sent certified letters over sixty days ago but they have not been removed from credit profile.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION (AL)

Summer XX/XX/XXXX my then spouse-XXXX XXXX- & daughter XXXX , and I made plans to return move from XXXX XXXX-our home of 10 years-to XXXX XXXX . XX/XX/XXXX I had already made plans to move my inheritance from XXXX XXXX XXXX ( XXXX XXXX broker ) to same in XXXX. XXXX trust account numbers begin differently from those of XXXX & of course XXXX wouldnt be my broker any more. Please see first page where I mailed copy to XXXX asking why my Moms IRA from Compass had not been put into an account like other parts of the trust had been in XX/XX/XXXX.Mom- XXXX XXXX XXXX-had passed XX/XX/XXXX, in XXXX XXXX.My Dad had died XX/XX/XXXX, and the trusts had been from his retirement, passed to Mom. I came across these old Compass papers XX/XX/XXXX, and wondered 2 things:1. ) where did the remaining $ 4K + in assets go and 2. ) why didnt I get the $ 15K+ payable to XXXX that was mailed ( I guess? ) from XXXX Compass, to our XXXX address, XX/XX/XXXX. I called Compass Trust XX/XX/XXXX, asking about both monies but I was told that Compass closed the IRA account by that number on XX/XX/XXXX. And Compass was not going to perform further research to help me locate a LOT of missing funds.. I also- XX/XX/XXXX- called former broker XXXX XXXX in XXXX ( I didnt get reply from him to my top page question in XX/XX/XXXX, ) who now is a XXXX XXXX broker , but Mr XXXX  failed to call me back.I had a fiduciary trust in this money transfer, and I saw, at the time, no need to question the bank or brokerage actions. I didnt even know about the Compass trust, anyway.I want both the $ 15K+ payable to XXXXback and $ 4K+ remaining assets back. Thank you.
Consumer complaint received 2023-05-10
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. (MI)

See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it as soon as possible.