davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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)

On complaint # XXXX Experian advised that the alleged bankruptcy was verified by the data furnisher, however they have still failed to tell me who the data furnisher is that they verified this information with. 

Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 

I have filed multiple disputes and CFPB complaints requesting for Experian to provide the information for the data furnisher that they are alleging verifying this information with. 

How is this information accurate if XXXX nor XXXX is reporting the information. Experian is the only credit bureau reporting this inaccurate information to my consumer file. XXXX XXXX does not have this alleged bankruptcy on my consumer file and the Courthouse advised me that they do not verify bankruptcies with credit reporting agencies. By law you MUST tell me who the data furnisher is that you claim you are verifying this information with so that I am able to contact them. 

This is defamation of my charter, and you all are causing me a great amount of stress. 
I will again ask who is the data furnisher that you verified this alleged debt with? 
If you do not provide me with this information, I will be forced to proceed with legal action against your company for violating my rights under the FCRA.
Consumer complaint received 2022-12-04
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-15
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. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXXDEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint to get clarification on these latest reported derogatory items on my credit report which was furnished by the three major consumer reporting agencies. I firmly believe that accurate and fair credit reporting is critical for the banking system to work well. If credit reports have mistakes, it can make the banking system less efficient. Unfair ways of reporting credit information can also harm public confidence, which is necessary for the banking system to keep functioning properly. 

Thus, Im respectfully asking you to critically check the accuracy of these accounts below and kindly delete the incorrect and erroneously furnished details on my files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting act XXXX # 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
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bridgecrest Acceptance Corporation (TX)

I noticed in XX/XX/2023 that there are a ot of accounts on my credit report that I do not recognize. I was unsure of the proper way to handle this situation along with the correct steps to follow until now. I am a victim of identity theft and this needs to handled asap.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Do to the fact that on going complaint and in unauthorized inquirys 2 of them from Capital One dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

dear sirs, my credit file reflects 2 accounts that are closed, which are fraudulent accounts, not authorized by me, or applied for! 
XXXX XXXX-ACCOUNT NOT MINE, PLS DELETE FROM FILE XXXX XXXX- ACCOUNT NOT MINE, PLS DELETE FROM FILE I HAVE PROVIDED THE FTC ID THEFT REPORT, POLICE REPORT, ID THEFT AFFIDAVIT NOTARIZED.
Consumer complaint received 2020-09-24
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. (TX)

XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX/XXXX  XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILYXXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents
Consumer complaint received 2018-07-02
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: Ability Recovery Services, LLC (TN)

In XX/XX/XXXX my husband and I were stationed in California which I attended XXXX XXXX I started my classes then switched majors and they stated my online courses would change at the end of the week but instead they never changed my courses and Everytime I called they told me to wait. In XX/XX/XXXX they appeared on my credit report but never once contacted me and I have noticed that every so often it's being renewed.
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BC SERVICES, INC. (TX)

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used to obtain medical services without her consent. Someone living in the state of XXXX used her information in XX/XX/XXXX to obtain services with local providers for medical services not known to my client. My client at one time did live in the state of XXXX however moved in XX/XX/XXXX to XXXX. BC Services was listed on her XXXX  credit report as a debt collector. We provided a debt validation request letter to BC Service in effort to have them verify the information on the credit report. BC Service sent back account information to which my client sent an official dispute of ID theft with police report, PII and FTC affidavit naming BC Services and the related debt as an issue of true named fraud XX/XX/XXXX. On XX/XX/XXXX BC Servcies mailed my client ANOTHER letter stating they have already provided debt validation, BC Services FAILED to review the dispute information provided and by sending this communication ( concerning payment of debt ) have violated the FDCPA and the FCRA.
Consumer complaint received 2022-03-15
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 according to fair credit reporting act XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Perfection Collection (MO)

Company is in violation of the FDCPA and US Bankruptcy laws. I filed chapter XXXX bankruptcy on XX/XX/2019 at the XXXX XXXX of Missouri with case number XXXX. The company has threatened to file suit against me on a debt included in bankruptcy. The company is in violation of the automatic stay according to bankruptcy code by contacting me. The company is in violation demanding payment on a debt included in bankruptcy. Misreprentation of being attorneys that will file a suit if not paid. Violation of promising to remove debt from credit reports if I pay them ( again they have no rights to collect since the account is in bankruptcy ).
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-03-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

I retained Atty. XXXX XXXX to represent me with the closing of my house located at XXXX XXXX XXXX, XXXX, XXXX XXXX in XXXX. I am the seller. This property was originally purchased by my parents in XXXX of XXXX and transferred to me in XXXX. Apparently, the buyers attorney found a gap in the bridge during the title search going back to when purchased in XXXX. The property when initially purchased was a foreclosure and the company was Household Finance XXXX XXXX Household XXXXXXXX XXXX had a second mortgage on this property. I have found that these 2 entities were subsidiaries of each other and at that time were found to be conducting fraudulent activities and ponzi schemes across the US. The " Household '' was acquisitioned by HSBC in XXXX. For 3 months now, I have tried repeatedly to get this corrected either by quiet title or corrective deed. I am pleading for your assistance in this matter. I am also asking for an investigation, as I feel something seriously wrong has occurred. I would like to see this matter corrected so I can complete the sale of my home. I purchased a new home in XXXX  4 months ago and need to close on my house in XXXX. It has caused both myself and the buyer additional expense and I need resolution. Also note, I have requested to speak with Attorney XXXX and have yet to receive a phone call, my questions go unanswered and he has not responded to the buyers attorney.
Consumer complaint received 2021-10-30
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -ACCEPTANCE NOW # XXXX XXXX XXXX XXXX  XXXX 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 2021-06-13
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. (GA)

Equifax is DOUBLE reporting these time-barred accounts. On XX/XX/XXXX, confirmation # XXXX, they reported the XXXX XXXX CLOSED account under the merchant, XXXX XXXX acct # XXXX. The correct information was reported : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. The XXXX XXXX acct was reported under the merchant, XXXX XXXX  acct # XXXX with incorrect " Date Opened '' information : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. I opened the XXXX XXXX account in XX/XX/XXXX and paid it off in XX/XX/XXXX - it was a 90-day same as cash promotion ; I only used the account one time. It appears that when the 7-year statute of limitation for credit reporting expired under the merchants ' name, Equifax started using the bank name to report the time-barred information for another 7 years. I rarely check my credit because I know I haven't opened any credit accounts within the past 7 years and thought it was the student loan that affected my credit score. It seems as if Equifax is re-aging these 2 OLD accounts - both have been on my credit report for 16 YEARS!! They should not be allowed to do this. I am very concerned by this action as it appears that Equifax is deliberately trying to wreck my credit and is the reason why my auto loans have such HIGH-interest rates.
Consumer complaint received 2022-03-15
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. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA RECOVERY SERVICES This compnay appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, AD SATRA RECOVERY SERVICES is certainly one of them. I was recently in a XXXX XXXX because of my health contions and now to see a collection company trying to put me back in the hospital again. This is not an my account and I demand that it be removed.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

T

his is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (IL)

This account was closed by the credit card XXXX in 2020. They said they were no longer carrying this credit card. They were closing the whole branch for the XXXX XXXX credit card. I made a settlement with them. They agreed to remove off of my credit. I keep disputing it and it keeps coming up on my credit report incorrect information. It is supposed to be totally XXXX was not originally through XXXX. I guess when they closed everybodys account they sold all the accounts to XXXX. Please help. I have be trying to get this corrected.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22