davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both Exeperian and XXXX asking for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. 

Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from Experian and XXXX
Consumer complaint received 2022-11-07
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. (MS)

I requested the credit bureaus verify all items on my consumer reports were accurate and they did the investigation and stated everything was accurate. I also did research myself and found inaccuracies on my consumer report even after they said they did a full investigation. In accordance to the FCRA the following accounts all have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX  XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-05
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 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 2023-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NY)

I had registered for the fall semester but quickly learned I would not be able to afford the semester. I attempted to drop the classes a number of times but had issues, to which I had to receive assistance from the school to drop the classes. They assisted me in dropping the classes and told me I do not owe them anything. They forwarded the debt to a creditor prior and I provided proof of me not owing the debt. The creditor then sent the debt back to XXXX XXXX XXXX but they refused to remove the debt per the information I provided, claiming they made a mistake. Now its been forwarded to collections again.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I  have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.
Consumer complaint received 2020-01-25
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. (FL)

THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.
Consumer complaint received 2020-01-25
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. (FL)

THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt is still reporting after I paid it. I paid this account to them even though I never received a 30 day right to dispute on this account which is a violation under the FCRA and the FDCPA. I however know that Outsource has the capability to remove any accounts since they are the furnisher and can report to the bureaus as they deem necessary. I ask that they remove this collection as it has been settled.
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I applied for an auto loan a few years ago and was informed that I had a car loan with Credit Acceptance. After investigating, I realized that it was my sister 's loan. She stated that she listed me as a reference and no a co-applicant. I have disputed it with the credit bureaus and through the Federal Trade Commission but still have not resolved the issue. I received a copy of the installment contract and signatures were submitted electronically. I have not paid on this loan and it is currently under my sister 's bankruptcy.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2020-01-26
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. (IN)

I have a XXXX XXXX account for XXXX XXXX that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both Trans Union and XXXX are reporting negative information when my account was pad in full as agreed and has a XXXX balance.
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

They called me in XXXX about a XXXX XXXX credit card that was in my name that someone else apparently had been paying on or never paid on. Me myself had never gotten a statement from them at my current address that I been living at forever they never contacted me on the phone about this card until XXXX and obviously I was never linked to this card or they wouldn't have contacted me at this point and I assume they got my number out of old records after XXXX XXXX sent them this information because I've done business with Midland Credit Management through other companies. XXXX XXXX never contacted me not have I ever in my life had a XXXX XXXX Credit card. I told them all of these things and they even asked me if there was someone on my family that I know of that would have used my information. Clearly if I knew that I wouldn't be having this problem but they continued to harass me they repeatly called me just recently here in XX/XX/XXXX harassing phone calls and some in late XXXX after I told them Stop calling me, I never had that card and I'm constantly working over the road as a XXXX XXXX so that gets irritating I've pretty much reconciled all of my debt since I been driving so if that was actually my card why wouldn't I have reconciled that.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

As previously notified, I am a victim of identity theft, the one account that was opened XX/XX/2016 XXXX XXXX XXXX that has {$0.00} balance is nit my account and I would like it removed from my credit report
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Date Reported- XX/XX/2018 Consumer-LVNV FUNDING LLC Open Balance {$600.00} THIS IS NOT MY ACCOUNT. I HAVE DISPUTED NUMEROUS OF TIMES TO HAVE THIS RESOLVED AND EVEN CALLED THE COMPANY. PLEASE HAVE THIS REMOVED ASAP AS IT IS TARNISHING MY CREDIT/FICO PROFILES
Consumer complaint received 2018-02-09
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: ID Analytics, Inc. (OH)

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX XXXX  XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( XXXX XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other Bureau says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX  after having XXXX XXXX XXXX XXXX I am now a XXXX XXXX  and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC (CA)

American Coradius International LLC contacted me on XX/XX/2022 to inform me they were attempting to collect some debt they alleged I owed. I informed them that I only wanted to be contacted via mail and did not want to receive calls from them any longer. I told them to expect a written response from me in the near future regarding the matter. 

Despite verbally telling them I did not want to receive calls I was again contacted XX/XX/2022. I spoke to the rep and told him that on the previous call that I did not want to be contacted via phone. The rep said that there were no notes on my account stating this. I asked the rep if calls were indeed recorded and he confirmed then hung up the phone. 

On XX/XX/2022 I received a THIRD call as I was rushing to catch a flight at the airport. Since the call came from a local area code I thought it was my assistant providing me important details I needed for my flight instead it was American Caradius International LLC calling yet again to try to collect this alleged debt from me. I spoke to the rep and asked her why I was being contacted after telling them TWICE already that I did not want to receive phone calls. She tells me that there were no notes on the account about this even though they claim they record phone calls. This is unacceptable and a clear violation of my rights. It is my understanding that debt collectors are prohibited from communicating with a person in connection with the collection of any debt through a medium of communication if the person has requested the debt collector not use that medium to communicate with the person. 

Prior to receiving the THIRD CALL I verbally stated TWICE that I did not want to be contacted by phone.
Consumer complaint received 2021-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

RE : ATTACHED 2017 IRS XXXX FROM BSI FINANCIAL SERVICES XXXX # XXXX XXXX : ACCOUNT # XXXX PLEASE BE ADVISED THAT PURSUANT TO THE ATTACHED AGREEMENT THE ATTACHED 2017 IRS FORM XXXX BY BSI FINANCIAL SERVICES IS INCORRECT AS TO LENDER NAME, ACCOUNT # and AMOUNT OF PRINCIPAL OWING. 

TO COMPLY WITH IRS REPORTING GUIDELINES BSI FINANCIAL SERVICES IS HEREBY DIRECTED TO SUBMIT A CORRECTED IRS FORM XXXX WITH CORRECT ACCOUNT, AMOUNT OWING AND LENDER NAME AND TO PROVIDE COPY OF THE CORRECTED TO XXXX AND XXXX XXXX. 

THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER
Consumer complaint received 2020-11-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX On the web I saw an ad for Citi Bank 's {>= $1,000,000} reward plus 1.1 % interest following the instructions on the WEB page I opted for the {$700.00} bonus option with a {$50000.00} deposit. XX/XX/20 I transferred that amount from the XXXX bank account with 0.8 % interest. 
After a long time in XXXX I noticed that Citi was giving only 0.1 % interest to my account, I immediately called the bank and asked for an explanation. After many calls from several representatives, the only answer is that I opened that type of account XXXX {$400.00} bonus and 0.1 % interest ), that's not true. I know very well what I did, since I did the same for a friend who now gets 0.7 % interest. I have a feeling that I was robbed by City Bank Thanks
Consumer complaint received 2022-01-09
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. (FL)

This loan was not opened by me it was no opened by me I went into the XXXX XXXX branch ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian