davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information and accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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: Experian Information Solutions Inc. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I requested XXXX XXXX to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXXXXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. XXXX XXXX and Experian. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation. 

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.
Consumer complaint received 2024-01-15
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. (PA)

My name Is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see attachment below.
Consumer complaint received 2024-01-15
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-15
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Hosto & Buchan, PLLC (NC)

on XX/XX/XXXX I lived in XXXX and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX not my ex he was in XXXX They original company sold the loan to a company in XXXX that collects old debt and XXXX is a wage garnishment state, XXXX is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in Arkansas in XX/XX/XXXX I called them and said I dont live in XXXX I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in nc will do wage garnishments but XXXX   will and being I do not live there how can they sue me the truck was repo from XXXX and me and my EX live in XXXX plus XXXX has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Credit acceptance has been destroying my credit for the last XXXX  of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a XXXX and also provide me a copy of that XXXX that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over XXXX XXXX but they still are reporting on my credit report I demand XXXX XXXX and Experian to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the documents and they were never mailed to me they were never emailed to me I was never provided with the documentation I requested I demand this be deleted immediately by the XXXX consumer bureaus XXXX XXXX XXXX and Experian immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within XXXX XXXX XXXX unless this has been deleted.
Consumer complaint received 2020-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-01-15
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (AR)

I have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (IN)

This loan is over 15 years old and they have never contacted me and I honestly forgot about it and today a collection co called me from XXXX XXXX XXXX and said a warrant was issued for my arrest and bond was XXXX dollars but could n't tell me loan any etc. Said I had 3 charges against me. Then said if I promise to xa them back w my bank info they 'd put warrant on hold when I now understand this can not be done. They need to take me to small claims court and I offered to start making payments and XXXX XXXX is who called n she stared o no we need the money in lump sum ir your warrant will be taken off hold.
Consumer complaint received 2024-01-15
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. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states, '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

On  XX/XX/XXXX  I responded to an email from Chase inviting me to apply for the  Southwest Rapid    Rewards Plus    Visa   Card  ( {$69.00} annual fee ). I applied for the card and was approved for a Visa Signature card with a credit limit of {$35000.00}. A welcome email alerted me to the fact there was actually a  Chase   Southwest Rapid Rewards  Premier  Visa   Card  with a ( {$99.00} annual fee ) that had rewards benefits which were superior to the  Plus  Card. The email indicated you can upgrade to th e Premier Ca  rd.      On  XX/XX/XXXX , I called Chase and asked to upgrade to t he Premier ca rd and was told this was not allowed due to the  CARD Act . I was told by a  Chase  representative I would need to close/reject my newly opened account and apply for the  Premier C ard. I asked if there would be any issues regarding applying for a new account shortly after opening an account and was concerned about having multiple inquiries on my credit report. The representative told me " many customers apply for multiple Chase cards in the same day and are approved. '' Having excellent credit, I assumed this would n't be a problem for me.     I closed/rejected the Plus Card and applied online for the  Chas  e Southwest Rapid Reward s Premier Vi sa C  ard.  I received a message that my application could not be approved at this time. I called Chase and was told they could not extend any additional credit to me. This was my logic : opened Plus account ( + {$35000.00 } ) and  closed Plus account ( - {$35000.00 } ) so m y net credit with Chase is at  XXXX . Why could they not extend any more credit? I was told that was due to the fact I could re-open the card I had just closed. The only way for me to obtain th e Premier card  would be to shift credit from another existing Chase credit card account. The rep told me he could move {$2000.00} from an existing account and approve me for the  Premier C ard.     I could then re-open the Plus  Card  and move the {$35000.00} credit line to the n ew Premier  Card and then close the Plus  Card.  The rep performed the action of moving the {$2000.00} from an existing card and approved me for the  Premier  Card.     I received a letter in the mail informing me I have been approved for a  Chase   Southwest Rapid Rewards   Visa Platinum   Card.  At no point was I told that I would be applying for a Visa Platinum Card. My intent was to have the Visa Signature.     Chase is telling me because the new account was approved for a {$2000.00} credit line that it can not be a Visa Signature ( even though the credit limit is at {$35000.00} after performing the actions described above ). They say it can not be changed for  12  months.     Even though I have excellent credit and will be paying a {$99.00} annual fee, I will be receiving a level of benefits inferior to th e Visa Signature because I was not informed that by only moving {$2000.00} in credit instead of {$5000.00} would result in a Visa Platinum  Card.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

From various numbers over the last week I have been contacted by several numbers from Midland Credit Management, this is for a debt owned by my spouse prior to our marriage. 

They have previously made false and conflicting statements over the phone, and took adverse action against my separate property a move they had to be forced to reverse. 

My spouse, was never properly served or given notice about this judgement until last year. 

We are willing in good faith to negotiate a settlement based off the original principal, however we are not willing to entertain the interest given their history of false representation and violating California law by taking action against separate and protected property. However, their history of false representation makes it difficult to take this company at their word. 

This is our third claim against Midland, please see, XXXX XXXX XX/XX/2019 XXXX and XXXX ( XX/XX/2019 ). I had to file the second complaint to get them to agree to follow the resolution of the first complaint.
Consumer complaint received 2020-11-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2024-01-15
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. (PA)

Hello My name is XXXX XXXX reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached Documentation below.
Consumer complaint received 2024-01-15
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. (NY)

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have Attached supporting Documentation Below.