davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (MO)

In previous months, I requested the correction of an erroneous item that another credit reporting agency found to be inaccurate and had fixed. Due to the Bureaus ' lack of response, I classify it as frivolous, Experian and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following account, which Credit Bureaus have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the account listed below : XXXX XXXX* Balance : {$110.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

Your company broke the law!!!! 
Your company is in violation of the following subsection of the Fair Credit Reporting Agency.

Pursuant to 15 USC 1681 the accuracy and fairness of credit reporting. Congress makes it clear that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Ability Recovery Service assumed this role and because of your assumption, you have negatively affected my life and caused hardship.

15 USC 1681b. Congress also makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report.

As a consumer reporting agency, Ability Recovery Service used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : 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 Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to be removed.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (TX)

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

*XXXX XXXX XXXX  - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX Bank and XXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXX Bank shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXX Bank to blame and the bank is blaming the dealership. While XXXX stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXX Bank has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXX Bank. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX Bank for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from TransUnion? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXX Bank and XXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXX Bank and XXXX has destroyed my credit to the tune of over XXXX points per bureau to force me to pay for their predatory lending scheme.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (TX)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information from my credit reports has been ignored by the Credit Reporting Agencies. The last letter I sent to Experian, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items deleted as soon as possible ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-07-19
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. (PA)

This unconfirmed accounts listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-01
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. (NY)

I am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, XXXX a charge from XXXX for the amount exceeding {$1200.00} as well as an out of state transaction was debited from my account for a total amount of {$1200.00}. These transactions were unauthorized, the card was not in my possession. Provisional credit was granted from bank of america. Claim number XXXX account ending in XXXX. Bank of america stated I have prior history with this merchant deciding to reverse the provisional credit and deny the claim. Which is untrue, I 've never had any prior doing 's with XXXX or XXXX in XXXX, XXXX. This is unjust, and unethical.
Consumer complaint received 2015-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (RI)

my daughter did not pay her loans in a timely manner. as a result the private loan company Navient came after me to pay the outstanding balance and be responsible for paying the XXXX loans that were due. they did not explain anything about the process only that according to them I had enough extra money to pay these loans which have interest rates of 9 % and 8 % and 9 %. I do not have the extra money and have repeatedly contacted them to find a way to either put them back on my daughther who I am sure would be able to get a financial hardship decision regarding her income. I have been trying to find some program to help me with this loan company who at the very beginning reported to XXXX credit company that XXXX loans were in default which in turned notified my bank who then froze my line of credit and I have not been able to resolve that issue either even though I have been making payments on the XXXX loans on auto pay. these loans came from XXXX XXXX and they sold them to Navient with very little notice. I always thought that XXXX XXXX was a government program not a private lender. Neither company has been willing to discuss any way to fix these payments in a way that I can afford to pay them. They total over {$350.00} a month all together. They are rude, and have not cleared up the default to my bank or the credit company. There should be some government agency that oversees these companies so that they can not continue this practice. I need some help with this illegal situation.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-07-08
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. (DC)

2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX USA XXXX XXXX, 01 XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 08 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, Company Inquiries : XXXX XXXX US XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.