davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have received yet another email from Experian regarding my Identity Theft Police Report. In addition to receiving letters from Experian claiming the report does not reference identity theft, and does not meet guidelines per the Federal Fair Credit Reporting Act, I receive Experian letters ( attached ) stating the following information is needed : All pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency. 

I have sent this information to Experian. I have sent it three times. I have used the postal service to send the information as well as directly uploading the documents to Experian. However, I receive the same response letter asking for the same information. 

I am attaching the Identity Theft Police Report within this complaint. Please note the Police Report is numbered at the bottom of the report as Page 1 of 4 through Page 4 of 4. I sent all four pages plus a letter from the assigned Detective, XXXX XXXX. In Detective XXXX first sentence, it reads, This report was filed the Fate DPS. So, I did send all pages of the identity theft report and the report was filed with a law enforcement agency. 

I have tried unsuccessfully to have Experian accept my Identity Theft Police Report. If you can, please let Experian know that my Police Report is not missing any information, and it is OK to accept the Report. 

Also, I have been unsuccessful in disputing the following Experian fraudulent accounts : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX If Experian accepts my Identity Theft police Report, I wish to have the above fraudulent accounts removed from my Experian Credit Report.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am unable to open a bank account no were in the world due to Bank of America old account I had And it was an old account and I call Bank of America Customer services as well as other numbers and as well as the fraud department and they told me that they would be able to to help me get these resolved and They have not and the bank refuse to wave and Old accounts Even doe I told them it was fraud check thats was sent to me in mail and was open and was charge from online fraud that was sent to me as a online for payment of work and I cashed the check threw my account and they didnt respect that I asked them for help dealing with these old accounts they refused to help it was other people at the bank was going to help but they couldnt help cause the bank Corporate refuse to help these accounts are more than two to six years old or more and it not letting me open a checking account in the world
Consumer complaint received 2022-10-14
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: Maximus Federal Services, Inc. (FL)

1.XXXX  XXXX XXXX / XXXX XXXX  XXXX XXXX XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
2. XXXX XXXX / XXXX XXXX XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
3. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX - XXXX XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
4.XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF ED/ AIDVANTXXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
6. XXXX XXXX XXXX  XXXX - XXXX XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
7. XXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF ED/ AIDVANT - XXXX XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (GA)

I went to trade in my XXXX XXXX XXXX at XXXX XXXX in XXXX, NC for a XXXX XXXX XXXX. The next day after purchase they told me to come pick up my car because it was showing paid off so I dont have a balance and could keep the car. The representative showed me where it was no balance left on the loan. The company Regional Acceptance Corporation filed a loss on the vehicle before it was paid off and I was under the assumption that I was trading the car in for my XXXX. Now the car is showing up on my credit report. I was never sent a title for the car. Nobody has contacted me about the car and I have tried disputing the charge off off my credit report numerous times and the car has been hurting my credit report every since.
Consumer complaint received 2018-02-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and Experian and Im only getting a reply that the information was updated.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Asked XXXX  to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX XXXX nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX and XXXX XXXX XXXX XXXX NC XXXX.
Consumer complaint received 2020-07-23
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. (DC)

I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Hirshberg Acceptance Corporation (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX 2 ) account # : XXXX. 3 ) account # : XXXX
Consumer complaint received 2021-06-07
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: CITIBANK, N.A. (FL)

I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( Sears, XXXX and Best Buy ) accounts, 2 ( XXXX and Best Buy ) have been removed and 1 ( Sears ) remained. The account was opened in XXXX for a Sears credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.
Consumer complaint received 2018-02-10
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: Rocket Mortgage, LLC (NJ)

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX Quicken Loans/XXXX XXXX The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-08-19
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 having issues with Experian. They are reporting that I was late on my target account which is 100 % wrong. I have never been late the other two bureaus are showing no late payments. I understand that they are all different but when all three are reporting the same account they all should be reporting correctly .I want this late remove my from my reports.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

XXXX XXXX XXXX  is location in XXXX I believe, I do not know who they are. I am on State insurance. This is and should be covered by state insurance. 

But the dates DO NOT coincide with the dates I moved to XXXX. It can not be me as I moved to XXXX over a year ago.
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NC)

Chrysler Capital I do not owe this alleged debt as it is being fraudulently reported to the credit bureaus which is a direct violation of federal law 15 U.S.C. 1692b ( 2 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 15 USC 1692e ( 1 ) ( 2ab ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX XXXX is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

On XX/XX/2019 I reported the following unauthorized charges on my Direct Express MasterCard Depbit card by phone. 

XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$2.00} XX/XX/2019 XXXX XXXX  XXXX, XXXX, CASH PURCHASE {$71.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$3.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$100.00} XX/XX/2019 XXXX XXXX  XXXX  XXXX XXXX, INTERNET, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$1.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$61.00} There are 10 separate charges in the total amount of {$390.00}. 

I also submit two written notifications. One as instructed by Direct Expressed and another written by myself. Both, were submitted  within the 10 day requirement per Direct Express instructions. 

On XX/XX/2019 Direct Express made the following adjustments to my account balance. 

XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$71.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$3.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$100.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$96.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$1.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$61.00} There were 8 separate credits in the total amount of {$330.00}. Which left an outstanding balance of {$56.00}. I was also charged for a replacement card in the amount of {$4.00}. As well as a fee for expedited delivery of my new card {$13.00} This new card was sent out in an expedited manner because the first replacement card never arrived. I was under the impression that there would be no charge. 

On XX/XX/2019 the following unexplained charges in the total amount of {$3.00} appeared on my card account. 

XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} All told the outstanding balance suffered by me personally for unauthorized fraudulent charges on my card is currently {$76.00}. 

When I phoned in to originally provide notification of the above unauthorized charges I was told that I would only be able to dispute 5 of the charges because the others were still pending. The charges that I was told I could dispute did not correspond to the charges that were presented on my online account. I objected. But, my objections were dismissed.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I called Equifax on XXXX and spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My XXXX XXXX account is not reporting on my Equifax report, it is on all the other credit reporting agencies. Equifax is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and Equifax is failing to do that. When I reported this to them they said that would be up to XXXX XXXX but all other agencies are reporting it.
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Recovery Services, LLC (TX)

Direct Recovery XXXX is calling all my family members they see On XXXX XXXX and leaving detailed voice mail about my debt .... On Family members Voice-mail. It is making my family members angry because they do not owe this debt.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Consumer complaint received 2018-02-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.