davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I am writing to bring to your immediate attention the urgent matter concerning the prompt removal of charge-off accounts and inaccurate addresses associated with my account. Despite previous many attempts to rectify these issues, they persist, causing undue inconvenience and frustration. 

The presence of charge-off accounts on my credit report is severely impacting my financial standing and credibility. These accounts inaccurately reflect my credit history and hinder my ability to access financial services and opportunities. Furthermore, the inaccurate addresses listed on my account pose a significant security risk and undermine the integrity of my personal information. 

I urge you to take immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further security breaches or misinformation. 

Given the urgency of this matter, I expect a swift response and resolution from your end. Please provide me with a detailed plan of action outlining the steps you will take to address these concerns and the timelines for their implementation. Additionally, I request regular updates on the progress made towards resolving these issues. 

Failure to address these concerns promptly will compel me to escalate this matter further and seek assistance from relevant regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to rectify it without delay. With this, I am asking for your assisstance to remove these charge off accounts and inaccurate addresses in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (GA)

I have an outstanding medical debt of {$560.00} reporting on my credit report. I never received a bill or any type of correspondence in regard to this debt. The details state that it was opened on XX/XX/2018. This is not my debt. I called the original creditor which is XXXX XXXX XXXX XXXX on XX/XX/2018 to verify the debt, and there was nothing owed in my name. It is on my credit report that Nationwide Recovery SYS has taken over this debt. I contacted Nationwide Recovery SYS on XX/XX/2018 to ask for debt verification and this company would NOT verify it via phone or US Mail. There was no proof provided to verify that I owe this debt, and I would like it removed from all three credit bureaus.
Consumer complaint received 2018-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-02-11
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. (NY)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I have dispute item, Bankruptcy Ref. # XXXX ( dispute report number XXXX ) twice. Once on XX/XX/2018 and again on XX/XX/2018. Each time, Experian has responded with the following statement, " The company that reported the information has been certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' They will not provide the identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX or report # XXXX ) I have contacted the United States Bankruptcy Court for the XXXX District of Virginia which confirmed the court does not furnish information to credit reporting agencies. ( Documentation attached ). 

I am requesting the removal of the bankruptcy ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX  XXXX XXXX , XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as soon as possible. 

Please identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX ) or removed the public record.
Consumer complaint received 2022-06-18
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. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-11-12
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. (OR)

I obtained my credit score from my XXXX XXXX XXXX  app and noticed it dropped 280 points. I read the summary under the score and it said, my revolving limits were maxed out and I had numerous late payments. All of which is wrong, I have 0 revolving account balances and haven't missed a payment in 9 years. I went to the bank, we went on XXXX XXXX XXXX XXXX. XXXX  and XXXX  were correct Experian wouldn't let me log in, it said my information was incorrect. After several attempts with numerous phone numbers and robo circles that went to dead ends. I finally was able to talk to someone and they referred me to someone else. Appearantly Experian mixed someone else 's info in with mine. How does that happen? How can my score drop 280 points over night and not raise a red flag with them? They said they have it cleared up now, but I am waiting for my hard copy of my credit report in the mail. I have been a victim of ID theft already and it was a nightmare. I told the guy, ironically enough while waiting for you I heard numerous ads on how you were protecting us and we could pay for more protection and here you are the one I need protection from.
Consumer complaint received 2023-02-13
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. (GA)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2017-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

All of my student loans are paid off, and I keep getting calls from a company called Navient to consolidate my student loans. I have opted out of thier calls, I have talked to a customer service person and I still get these calls. I consider this to be harressment as my phone number is on the do not call list and I dont have any financial transaction with this company. thier web site is navient.com
Consumer complaint received 2018-11-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In college, I took out two private loans from XXXX XXXX in 3 disbursements, the first was on XX/XX/XXXX for {$4400.00}, XX/XX/XXXX for {$4400.00}, and last on XX/XX/XXXX for {$3100.00}, for a total of {$12000.00}. After graduating from college and the 6 month grace period before entering loan repayment, I was unable to make payments with my current income at the time and used the forbearance option available to me to postpone my payments. At the time, the servicer was Sallie Mae. Total amount owed after graduating and grace period for my two private loans on XX/XX/XXXX was {$15000.00}. After the various periods of forbearance, my balance jumped to {$23000.00} on XX/XX/XXXX. When I started making payments, there was an inconsistency on how the payment was being applied to my principal and interest balances as demonstrated by the document attached. The loan was sold to Navient on XX/XX/XXXX at which the balance remained almost the same at {$23000.00} after two years of making payments. The inconsistency of how the payments I make are being handled is still occurring and after over 5 years making payments, my balance remains at {$19000.00} on XX/XX/XXXX. To this day, I have made {$19000.00} worth of payments that have been inconsistently applied to principal, interest, and fee balances since XX/XX/XXXX. How do I still owe almost the same that I already paid and much more than I originally borrowed? I never agreed to any type of repayment plan where my money was primarily used for interest payments. In addition, I am currently unemployed and have not source of income to continue paying this ridiculous balance.
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I'm complaining about Experian. 
In my XXXX years on earth I had outstanding credit because I never missed a payment or even made a payment late. Ever. 
Within days of receiving my statement i called XXXX XXXX to request the payoff balance of the account. I immediately paid the remaining balance in full and closed the account. 
XXXX XXXX for some reason added charges to the account afterwards of which I was unaware. 
I was never contacted by them in regard to the charges and found out for the first time when I saw that my credit score was blasted from over XXXX to below XXXX by Experian. 
After inquiries, I contacted XXXX XXXX and resolved the issue which was their mistake. 
Now my credit score is still below 700. 
I feel that my credit score dropping almost 200 points because of something that was not my responsibility is unfair. Especially considering my flawless lifetime history of timely payments and financial responsibility.
Consumer complaint received 2018-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (IL)

I received a call from XXXX from NCC Business Services XXXX XXXX XXXX XXXX, Florida XXXX today. This is the 10th call I have received during the past few months about a debt that I never owed but they won't stop harassing me. I have no debts and never have had any debts and I learned from the internet from various websites that this company is fraudulently calling people trying to scam them into paying non-existent debts. I hope you can stop this scam.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-11-12
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: Experian Information Solutions Inc. (CO)

I sent every credit reporting bureau a identity theft police report and copy of my id and Experian REFUSES to remove unauthorized inquiries. I called AGAIN XX/XX/XXXX and the representative to remove all unauthorized inquiries from my report. I advised I have contacted these companies and can not get resolution. The representative stated to keep reaching out. That if I applied for a loan companies can do that. I advised her NO I authorized ONE company and they never reached out to verify my identity before allowing them access to my credit like I requested when there is allegedly a freeze. And this is causing a negative effect on my credit. She refused to give me a rep id. And just advised she can put she is on the XXXX team. I advised I did NOT authorize any other company but XXXX and XXXX XXXX to access my credit. I am requesting these all be removed since these fraudulent and unauthorized inquiries are having a derogatory effect on my credit. I have been fighting with them for over 1 year and its increasingly becoming a issue. I am requesting the following be removed. They have allowed companies to access with a credit freeze and wit my knowledge and authorization. remove the inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I ALREADY HAD THE LOAN XX/XX/XXXX THEY HAD NO PERMISSION OR REASON XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARDS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO NO DATE GIVEN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX MEMBERS XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN I HAVE LEFT WHAT I DID AUTHORIZE NOT LISTED
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

This was my follow up about my previous complaint. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any form of automated verification.
Consumer complaint received 2023-03-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account # XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account # 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 2018-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (TX)

Purchase amount of XXXX usd. Interest defered for 6 months. The company backcharged 6 months of added interest at a rate of 29.90 % violating the terms and conditions agreed to by the consumer Consumer has paid over {$700.00} usd ytd on credit line of {$1500.00} and current balance shows as {$1200.00} usd. 
Consumer has tried to ask why this ballance is so high and company reverts back to interest defered promo and states lump sum of interest Company is reporting to credit bureaus and is a foreign entity operating off shore.
Consumer complaint received 2022-07-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX