davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (TN)

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Consumer complaint received 2023-07-20
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. (MI)

Equifax credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Equifax has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Consumer complaint received 2024-02-03
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. (PA)

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
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 believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( Experian, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (GA)

In XX/XX/XXXX I applied at the same time as my husband did we both submitted the the same household income his credit score was about XXXX my score was about XXXX. My husband received a credit limit of {$9000.00} and I received a credit limit of {$4500.00}. I contacted the company today online and below is the explanation I received from the company today XX/XX/XXXX regarding this matter. 

Discover You're very welcome and thank you so much for your patience today. Keep in mind that messaging is a conversation that stays open to you so you can come back whenever you want. We'll respond to you as soon as possible and send you a notification once we do. I can certainly understand your concern in why your approved credit line wasn't quite aligned with the same household income as your husband. Just know that we process applications for the maximum credit line you may qualify for. Everyone 's credit information varies and that's how credit lines are determined. However, you can request a credit line increase after 3-6 months. Was this information helpful?
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (TX)

Office of the attorney general child support division, mailed a copy of a letter to my x wife that included my current employer. This is a violation of my privacy. the office of the attorney general has no right to tell my x wife my place of employment. 

Attached is a copy of the letter sent that verifies that they violated my rights. I circled the paragraph that shows the violation. Please block them from further collection attempts including but not limited to reporting to the credit bureau.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX  and XXXX XXXX XXXX  on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.
Consumer complaint received 2023-03-29
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-03-29
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-14
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. (GA)

Ive been A victim of identity theft!! Ive sent numerous ftc reports to both XXXX & Equifax. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both Equifax and XXXX responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA
Consumer complaint received 2020-09-07
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. (MO)

The following inquiries on my report is un known, un recognized and unauthorized. Therefore, I'm demanding the immediate removal of these fraudulent inquiries. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL,  OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} CrediXXXX limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MA)

received notice dated XX/XX/2019 that the closed my account due to the number of inquiries that was obtained from XXXX credit bureau report. this card was pre approved and only had it for 1.5 to 2  months.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX and XXXX keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want XXXX to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments.

Really appreciate the help.
Consumer complaint received 2017-12-22
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. (TN)

The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I HAVE REPORTED TO THE DEPARTAMENT OF IDENTITY THEFT that my identity was stolen. and sent copys of the IRS with the stam ( oficial ) that i was victim of the of identity theft. 
I HAVE CALL AND TELL THEM ( XXXX  XXXX ) AND THEY FORWARD ME TO THE COMPANY ( RECOVERY PORTAFOLIO OF XXXX  XXXX ) explaining that its not my account or my balance, I request politly to remove this balance from my credit report. 
Prortafolio Ricovery XXXX XXXX XXXX XXXX  XXXX Immediately. they has done nothing. 

please let me Know if need to report this incovenient to the appropriate goverment departmen or to have an attorney for this situation.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( Experian ) XXXX XXXX Account # XXXX. ( Experian, XXXX, XXXX ) XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, ( Experian, XXXX ) ( Experian, XXXX XXXX XXXX XXXX XXXX Account # 1 ( Experian, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX Account # XXXX
Consumer complaint received 2017-12-22
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. (TN)

It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed XXXX XXXX, XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Identity theft, Every hospital bill on my reports are fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  And XXXX XXXX are fraud. 
I did not consent. My identity was stolen. 


Please send to all credit bureaus
Consumer complaint received 2020-11-22
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: CBC Companies, Inc. (MO)

My XXXX, XXXX and Innovis credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XX/XX/XXXX-XX/XX/XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXX XXXX and XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AR)

We mail in our rent on the first of the month, but it usually takes one-two weeks for our landlord to deposit it. Sometimes it 'll be up to the XXXX of a month, the money has n't been taken out according to our bank 's website, mobile app, and ATM, so we 'll go get groceries so we can last a couple days until we get paid again. Two or three days will pass, we 'll check our account, and we 're good. We 're a few bucks short of rent, but we get paid the next day, so we should be fine. 


Friday rolls around, we check our account, and there 's much less money than we expected. We go to check the transaction details and there are MULTIPLE overdraft fees. The rent check has indeed come out, but now it looks like it came out on Monday or Tuesday. It never showed this anywhere between Monday and Thursday, but it 's suddenly there now. And every transaction that occurred after it 's currently posted date has resulted in it 's own overdraft, whereas if it was withdrawn in the order that the account had shown the day BEFORE, there would only be one overdraft, sometimes by only a few cents. 


I 've tried calling and messaging multiple times about this issue which has happened SEVERAL times to us over the past few years. When they 'll actually talk to me ( which is almost never ; despite me being on the same account with my wife, they always insist to speak to her, but she can almost never be around because of her work schedule, ) they tell me " Well it looks like it came out on Monday! '' It did n't look like that all week long, and I of course have no screenshots to prove it because who takes random screenshots of their bank account predicting that they 're going to be XXXX over this month? 


Now, I understand that the day the check is deposited and the day it clears can differ. But the day it posts to our bank account should be the day the money is officially withdrawn from our account. We have no possible way of knowing the status of the check and the website gives you no indication that it is currently " Pending '' like it will do for other types of charges. 


It has happened to us at least three times in memory, possibly more, and has cost us hundreds of dollars in overdrafts where only a single one should 've occurred each time. Everyone we 've reached out to for help seems to be utterly clueless as to what even happened, and every single time they 've had to ask for someone else to help them out. We ca n't be the only ones this happens to. We 're just trying to catch back up on finances and pay off debts ( I have an issue with sudden extra debts showing up with no warning AFTER we finished paying off our entire Regions Credit Line, but I 'll make that a separate complaint, ) and having this happen to us every few months is like that XXXX XXXX XXXX song : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.