davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2020-09-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
Account : PORTFOLIO RECOVERY ASSOCIATES, # XXXX
Consumer complaint received 2024-01-31
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. (CO)

I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., and XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$17.00} ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET 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 2021-09-14
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. (SC)

Equifax is reporting a collection without any contact information for the collection company or the original provider. I have contacted them over several months and it has not been corrected and I have not received a response.
Consumer complaint received 2024-01-31
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. (MI)

I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. XXXX {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both Experian and XXXX have neglected to do so. My XXXX credit score stands at XXXX, but Experian and XXXX are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CO)

I took out student loans from Navient and they have ruined my credit score. The school involved, XXXX XXXX XXXX XXXX Colorado, was a predatory lender and encouraged me to take out more loans than necessary and did not inform me that what I could earn for this degree was not enough for payment of the loans. Upon graduation I had to defer the loans for several years until I could afford to pay minimum amounts. During this time they reported me as being delinquent which was not a truth .When I was able to start making payments I had to get a job in my first degree as this one from the XXXX XXXX could not support even the minimum payments. Their reporting me as delinquent, when I was not, has ruined my credit rating. The School, XXXX XXXX XXXX XXXX Colorado has subsequently gone out of business from their unethical practices.
Consumer complaint received 2018-03-29
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made onXX/XX/XXXX.

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TN)

Online Information Services reported debt for utility company XXXX XXXXXXXX XXXX XXXX to credit bureaus. Although I do not claim the debt, I attempted to pay the debt in full with the collection agency in order to have it removed from my credit report. The collection agency refused payment. I contacted the original creditor, XXXX XXXX XXXX, to clarify the debt. They agreed to accept the payment directly. The debt has been paid in full to the original creditor, although I do not claim responsibility for this debt.

The account has been disputed with the credit bureaus.
Consumer complaint received 2022-04-05
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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: LEXISNEXIS (PA)

To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I submitted a complaint with CFPB on Equifax. The complaint number was XXXX. I received an email response from CFPB on XX/XX/XXXX that Equifax was still working on my issue. Equifax emailed status updates and the completion of all 6-7 disputes that I submitted. All disputes were closed and completed in 1 day or the same day it was submitted ( see attachments ). The disputes were closed XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX when Equifax representative advised CFPB representative that they were still investigating my disputes. XX/XX/XXXX, I received an email from CFPB that my complaint was closed due to the to the request of Equifax advising that they would respond to me via mail. 

This is my second time I have returned for assistance from CFPB within 2 weeks. Unfortunately, I am unable to get any resolve with my issue with Equifax. They lied to CFPB that they were still investigating my complaint to have it closed. They are very intentional with being unavailable to help or assist consumers. This behavior is unacceptable and not tolerable. 

My credit score has been impacted significantly and created a hardship on my family. There is a bankruptcy listed on my credit report under Public Records that should not be on there at all. There are several payments that ONLY SHOW THE SCHEDULED PAYMENT BUT IS MISSING MONTHLY PAYMENTS AND THE ACTUAL AMOUNTS THAT WERE PAID. I have never missed a payment and pay a lot more than what the minimum is and its not being reported. Both of which effect the credit score. I have a small business. I was denied business loans because of my credit and debt to income ratio, denied two mortgages, job opportunities ( Tax Auditor with Government ), and high interest rates.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

I was given a US Bank ReliaCard, which is a debit card issued to me for Pennsylvania Pandemic Unemployment Assistance. Since I began receiving the benefits on this US Bank reliacard account I've been able to perform a Card to bank transfer to my personal bank account, but for some reason I haven't been able to since XX/XX/20 and my benefit monies are accruing in their account and I can't access the funds, which I need desperately. Their website where I accessed this account and arrange for the transfer of funds no longer has the option tab for CARD TO BANK transfer. They removed it from their site. I tried to access my money through an atm and could not on several occasions. 
I tried calling them many times without being able to reach anyone and I'd always be left on hold for hours, until the call disconnected for no reason at all. Why can I net access my money? The US Bank Reliacard is holding vital funds for a lot of people and at the same time they're making money off the interest. I've read tons of complaints on this company. Is an investigation taking place? Please help me resolve this matter.
Consumer complaint received 2021-03-04
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: ID Analytics, Inc. (SD)

SageStream , LLC which relates to previous case XXXX, which you closed without a satisfactory resolution. 
Requested credit report on XX/XX/21, and have not received report or any communication from them. 
Requested definition of decline statements made to XXXX, and used by XXXX, to decline credit request in previous complaint. XXXX has also not responded to similar requests made to them on XX/XX/21.
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have filed a dispute with Experian to accurately correct two accounts, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed in XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted each lender directly who confirmed the accounts have a XXXX balance and was reported to each credit bureau including Experian as such. 
Under the FCRA, both Experian as the credit reporting company and each lender are responsible for correcting inaccurate or incomplete information in your report. It has now almost been 4 months since both lenders initially reported to Experian and roughly 45 days since the dispute has closed to no avail. Please contact each lender directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my report.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a with CAPITAL ONE BANK USA N ( Date opened XX/XX/XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Brelvis Consulting, LLC (MT)

On XX/XX/2017 I called the Department of Education and got transferred to a line that checked whether I qualified for any full or partial loan forgiveness. I was told I qualified for the 'best program ' of partial forgiveness, a 'revised pay as you earn ' plan that would be based on 10 % of my income, to be re-evaluated every year, with payments starting as low as {$12.00} a month, for 20 years. After 20 years the rest of my debt would be completely forgiven. The suspicious piece is that they asked for a payment of {$590.00} for the legal fees associated with taking over my loans - when I asked whether that made my loans private, they said no, and when I asked if this was directly affiliated with the Department of Education, they said yes. I talked to XXXX XXXX. I said I could not pay the {$590.00} today ( which they asked me to pay immediately ), and they said I could pay in installments of {$150.00} today, then 4 monthly payments of {$140.00}. They have since taken {$150.00} and 1 payment of {$140.00}. They then emailed me documents to sign, asking for the first 2 pages of my tax return or last 2 pay stubs, a notarized limited power of attorney, and an authorization for release of information, which I have not signed or returned as I am afraid I have been scammed and do not want to use this service. This is all from the Student Loan Help Center, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Upon researching them more, they are not a recommended avenue for student loan management, the " Student Loan Help Center '' is a fictitious name for Brelvis Consulting LLC.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a request for a credit limit increase to Capital One Bank which has been denied many times arguing that my credit score is under 600 but it is actually over 650 according to XX/XX/XXXX 
XX/XX/2021 request was denied. Current credit limit is {$300.00}.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Reliant Financial Corporation (AZ)

I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.