davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information that is causing me serious harms. These accounts listed as XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting inaccurately. The accounts can not be charged off with a balance due when federal law states any balance that is over a {$1.00} is due to the consumer so Experian reporting this information is a violation of federal law under FCRA when they know the information is inaccurate. Experian previously stated they removed the information and they did not. These accounts are still showing inaccurately on my credit report and Experian has failed to removed them as stated with the paperwork they sent to my home. This proves Experian is not doing what they reported to the CFPB but instead the exact opposite. Furthermore Experian is required to send opt out notice every 30 days to the consumer so they may opt out of certain information being reported. I have received no such notice. My name is also copyrighted and trademarked which means Experian would need permission from my estate to use the property. Experian is selling my information for profit as well and listed on the XXXX XXXX XXXX which means they are securitizing consumer reports and most get authorization from whom it relates.
Consumer complaint received 2021-10-28
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. (LA)

I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (TX)

THere are accounts under my name that is a result of Identity Theft. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NV)

I have made all my payments on time and above the minimum payment every time. However, some of the payments I have made have not been applied to my account for months now. On the other hand, there are some withdrawals from my bank account by AMEX that I did not process and they are not applied to my account either. A dispute has been opened for one of the {$40.00} payments for over a month now. A new investigation has been opened for the others, but no explanation as to why or how were the payments process/withdrawn from the bank account without our request. 

The payments are made using my mother 's bank account as she is my account. 

XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$100.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$70.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$50.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$36.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} Total taken from my account and not applied : {$330.00}
Consumer complaint received 2022-03-29
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. (FL)

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX  : XXXX *XXXX XXXXl Account : XXXX XXXX  XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.
Consumer complaint received 2022-03-29
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. (FL)

In Accordance With The Fair Credit Reporting Act *XXXX XXXX Account : XXXX *XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I haven't been to a doctor in almost 7 years, so it is impossible that I owe a medical debt from 4 years ago as they are alleging. They claimed to have provided proof of the debt to the credit bureau, but that's impossible because they would need a HIPAA release form that I have never signed nor provided. This is medical fraud, and they are either lying, or providing falsified documents.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with XXXX and transunion and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with XXXX that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off XXXX but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.
Consumer complaint received 2023-06-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-XXXX-Balance {$0.00} XXXX-Balance {$0.00} USDOE/XXXX-XXXX-Balance {$0.00} XXXX XXXX XXXX-XXXX-Balance {$520.00} XXXX-XXXX-Balance {$780.00}
Consumer complaint received 2019-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

I received notice in an email from XXXX XXXX on XX/XX/XXXX that there was a change to my credit report. The email stated that there was a collection account added from Midwest Recovery Systems LLC. The account balance is listed as {$170.00} and the original creditor is listed as XXXX XXXX XXXX. 

I was very surprised to see this as I had never heard of Midwest Recovery Systems, nor had Midwest Recovery Systems contacted me via mail, email or phone. If this is a valid debt I should have been contacted and provided more information. 

I am not aware of owning any medical debt. I did not contact the creditor as I know that contact can start a clock for the creditor and keep items on a credit report longer. 

I did dispute the debt with XXXX  and clearly stated in the complaint that I was not provided with any notice or contact from Midwest Recovery Systems. XXXX  concluded my dispute on XX/XX/19 and did not remove the item. 

I believe it is important to note the large volume of complaints to the XXXX  for Midwest Recovery Systems. In fact, the XXXX  has revoked the company 's status due to its failure to adhere to XXXX  policies. 

My rights have clearly been violated and I hereby submit this official complaint and request that the appropriate action is taken.
Consumer complaint received 2021-11-12
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I have XXXX private loans being managed through American Education Services AES. These loans are also co-signed. I have never defaulted on the payments, but my pay schedule is not in line with my due date. The begin to calling my co-signer over and over again starting the day after the due date. They rarely, if ever call me. I have over {$100000.00} in loans both private and federal and have asked AES to work with me on payments that I can afford. They reduced to the payment, I am still making {$240.00} a month payment and {$0.00} of it is going to the principle so 100 % goes to them for interest and my balance is going up monthly. The are rude to my co-signer. The calling multiple times a day. When I call them back the make threats to me. I make the payment due and within days they call saying I owe more money and that I am delinquent. I have paid XXXX of dollars a month and have still been considered delinquent. Payments are made they say I owe then fees show up out of nowhere. The are harassing myself and my co-signer. They are apply {$0.00} to my principle and therefore, my loan will never be paid.
Consumer complaint received 2019-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

Since XX/XX/XXXX, I have been trying to get a correct payment history from XXXX XXXX XXXX XXXX because of double bills with different amounts and extra payments made that don't add up to the amounts owed. When the payment history was received in XX/XX/XXXX, it was wrong. Years of extra payments were not on it. I have tried to get a corrected payment history by emailing the XX/XX/XXXX website and calling to no avail. I was promised a corrected payment history by email in early XXXX because I wasn't sure how much of the partial and full payment I owed. The company lied to CFPB when they said they emailed me a corrected payment history in XXXX after I requested the payment history in XXXX. They did not. I check my email and junkmail every day. I have XXXX XXXX receipts for the payments that were not on the payment history. I need to know how much I owe on the payments so that I can pay the car off. I refuse to pay more than I owe. They have lied to me and CFPB, and they have harassed me and my students by calling me while I XXXX  7 times in 3 days when they were told I could answer calls after XXXX XXXX with an explanation as to why ; I have to keep my phone on for work notifications, which I don't get on time now that I turn the phone off. They have lied to me, stolen from me, and now harassed me. I want to know what the last two payments, if indeed there were even two payments left, are. I want to pay off the car. I need an emailed payment history. I was offered that in XXXX when they said the audit had been done and it never arrived in my email.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I checked my credit report and I found some fraudulent accounts that i need corrected they are as following on my Experian report I found XXXX XXXX XXXX, XXXX XXXX XXXX are not my name I want them deleted as well as a XXXX collection was fraudulent used in my name. I filed a report with the XXXXXXXX police office the number is case XXXX On my XXXX I found XXXX XXXX XXXX XXXX XXXX 's, XXXX XXXX XXXX XXXX XXXX Illinois XXXX, XXXX XXXX XXXX XXXX XXXX Illinois XXXX i want those deleted as they are incorrect please delete from my Experian account On my Experian account they have my address as XXXX XXXX XXXX XXXX XXXX Illinois XXXX also XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX have inquires i need deleted from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX please delete these are fraudulent thankyou
Consumer complaint received 2021-11-12
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update/delete the current status to reflect accurately.
Consumer complaint received 2021-11-12
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. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax will not remove a collection that is a duplicate report from XXXX XXXX XXXX. I have disputed this specific item 3 times with Equifax and followed up with a customer service representative about this dispute to no avail. 
Date Reported : XX/XX/XXXX 1st one reported Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$230.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX reported Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$240.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-07-26
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-11-21
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. (UT)

XXXX XXXX # XXXX is reporting a balance that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
Consumer complaint received 2022-08-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Experian has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.