davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC (TN)

I keep receiving text messages and phone calls from a number that I googled and it states it belongs to a company called Wakefield and associates. The phone number is XXXX. Apparently this company is a debt collector, but I have not received anything in the mail from them in the form of a debt validation letter or anything in writing stating that theres a debt I owe to them. They leave voicemails when they call, but their voicemails are only a electronic recording, and never say anything about the reason for calling. I am afraid to reach out to them because Im afraid it might be a scam because I have nothing in writing stating I owe a debt.
Consumer complaint received 2021-09-01
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. (CA)

I recently went into XXXX XXXX  to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both XXXX  and Experian that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). Experian refused to remove the fraudulently opened account from my report. I haven't yet heard back from XXXX. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.
Consumer complaint received 2024-05-06
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: CBC Companies, Inc. (IL)

XXXX and Innovis continues to report incorrect information I have stated several times my name is XXXX XXXX remove any other name or names listed this is my final attempt to resolve this matter. My address is XXXX XXXX XXXX XXXX IL XXXX please remove any other address. You are a consumer agency by definition of law so you are required to provide evidence of the information you are reporting. Provide the evidence are just delete the information.
Consumer complaint received 2024-01-23
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. (NJ)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently went into XXXX XXXX  to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both TransUnion and XXXX  that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). XXXX  refused to remove the fraudulently opened account from my report. I haven't yet heard back from TransUnion. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (GA)

My credit report, inaccurately managed by XXXX XXXX, a debt collector, indicated the 1st delinquency in XX/XX/XXXX, which was when the original creditor, Rise Credit, actually charged off the account. The real last payment was in XX/XX/XXXX, a detail I had to unearth from my own records because XXXX and Rise Credit failed to provide this information despite my multiple requests ( more than two ). 

Initially, Rise Credit did not include any information about the first delinquency date l, date of last payment, chargeoff date actual payment amount or really anything that verifies that they legally have taken the debt over when they first reported the account. My disputes, requesting validation were initially met with a response that the information had been validated. Further disputes resulted in an inaccurately reported delinquency date. 

Moreover, XXXX allowed XXXX to exceed the standard 30-day response window for credit disputes without any action until I intervened by calling them. Given these ongoing discrepancies and failures in reporting and responding, I am requesting that this account be deleted from my credit record to correct the errors and accurately reflect my credit history.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-17
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} and US BKPT CT XXXX  XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : $ XXXX XXXX Bankruptcy.
Consumer complaint received 2024-01-23
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. (TX)

XXXX has been asked several times to remove the 2 negative accounts reporting by XXXX XXXX  as they are inaccurate for 2 reasons They are constantly reporting monthly these accounts as a charge off status when they are also claiming they have written the debt off which means they should not be reporting it as a charge off monthly if it has been written off and I have requested the cancelled debt form they are required to give for all written off debts of {$600.00} or more I also provided XXXX with court documentation showing that when I was taken to court by XXXX XXXXXXXX for the debts that the debts and case were dismissed by the courts and XXXX still refuses to remove those accounts from my report they continue to allow XXXX XXXXXXXX to " tell '' them that the reporting is valid even when I am " showing them '' through legal documentation that it is not. That is not fair to me as a consumer because as they continue to allow these accounts to stay on my report it is negatively impacting and preventing me from obtains credit based products due to this false reporting. I am requesting that they REMOVE those 2 accounts from my report immediately to solve this complaint as not doing so is in violation of the Fair credit reporting act. Last conversation with an XXXX representative after being hung up on twice and then directed to call another number that was not valid for XXXX was on XX/XX/ at XXXX cst. this is my 6th attempt in over 8 months to get these accounts removed from my credit report and they are still refusing and allowing untrue and unverified information from my report even after they have been provided court documented proof saying that the creditor didn't validate it, why would they if they want to continue to negatively impact my report I believe my reason for uploading proof is to prove that what they are reporting and continuing to validate is untrue and not valid.
Consumer complaint received 2022-01-17
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-23
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. (GA)

I received my consumer reports from all 3 of the major Credit reporting agencies and found numerous violations on my report, they are as follows : Pursuant to the Fair Credit Reporting Act, specifically 15 USC 1681, section 602a, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

XXXX, XXXX, and Experian, recognized as consumer reporting agencies, are entities with which I, as the consumer, maintain a relationship. It is essential to assert my right to safeguard private information, a right substantiated by 15 USC 6801, whereby Congress mandates financial institutions to affirmatively and continually respect the privacy of their clientele.

In the context of the Furnishers of information to credit agencies, identified as financial institutions under relevant regulations, as per 15 USC 1681, section 604a ( 2 ), the disclosure of consumer reports is contingent upon the receipt of written instructions from the concerned consumer. It is pertinent to underscore that neither verbal nor written consent, in any form, has been provided, and unequivocally, all consent is hereby revoked. 

Under the stipulations of 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information unless consumers are apprised of the mechanisms enabling the exercise of the nondisclosure option. Regrettably, the Furnisher of information to credit agencies failed to inform me of my right to exercise this option. 

Furthermore, the violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information without authorization, is evident. The reported adverse item lacks the requisite permission, thereby contravening the statutory framework ( ie none of the accuracies on my report are indicative of ANY crime, and are adversely affecting my ability to obtain credit and MUST be removed promptly ). 

Drawing attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is explicitly stated that no entity shall furnish information to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and Experian, in this regard, may be in contravention of the aforementioned statute. 

In light of 15 U.S. Code 1681e, it is mandated that consumer reporting agencies maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes outlined in section 1681b. Notably, XXXX and Experian appear to be deficient in maintaining such reasonable procedures. 

Finally, as per 12 CFR 1016.7, the right to opt out of reporting services is expressly granted to consumers. In accordance with this provision, I hereby exercise my right to opt out of the reporting services provided by the aforementioned agencies.
Consumer complaint received 2019-03-07
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: Experian Information Solutions Inc. (TN)

I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an XXXX of XXXX to get the XXXX XXXX  to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand XXXX XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
Consumer complaint received 2024-01-23
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. (FL)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
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)

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

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Payments Check Services, Inc. (MO)

I called to get documation on the listed debt, There is no phone number listed on my XXXX credit report with the company, I sent a letter to the address to the address and have not received a response. I disputed through XXXX and the debt remains.
Consumer complaint received 2019-03-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MONEY SOURCE, INC., THE (CO)

Company continues to bill wrong account which generates " insuffient fund fees '' for them and the debited bank. Attemped several times in XXXX and XXXX to change the account on-line but the company claims to have no record of this action. A telephone conversation on XX/XX/XXXX revealed they had the correct account number ( last four digits ) but continued to submit billing to the account from the origination of the loan. Furthermore, the company claims to have submitted billing to the account on file but, but the bank stated no billing occured. I've incurred NSF fees from the mortgage company and the debited bank plus probably negative comments to the credit unions.