davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (FL)

This uncertain accounts listed below continued to report on my credit report regardless of 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 verified ( 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 : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-15
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. (CA)

When I checked my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

I have contacted SW Credit Systems several times about the account being reported on my credit report. I paid the account off with XXXX XXXX XXXX and XXXX XXXX XXXX stated the collection would be removed from my credit report. To this date, the account has not been removed from my XXXX or XXXX credit reports.
Consumer complaint received 2022-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company on my caller is is called Portfolio Recovery. They call at least once per day from multiple different numbers. I have blocked at least XXXX different numbers, and they continue to call to collect a debt Im not having to pay. They never leave a message.
Consumer complaint received 2020-11-30
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: OneMain Finance Corporation (IL)

On XX/XX/2020, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

This is concerning XXXX  Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report.

XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX/XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & XXXX refuse to remove from my credit history after they been shown the information as FRAUD
Consumer complaint received 2022-07-15
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. (TX)

I ordered a copy of my report in Score sense and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Consumer complaint received 2022-07-15
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. (MN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

O/A XXXX2022 I contacted USAA about closing some accounts and they closed XXXX that wasn't supposed to be closed which has a SSA pension DD to it. USAA confirmed that they made a mistake but refused to reopen it. I stated that due to them refusing to reopen the account that would have a negative effect on our quality of life due to that DD from SSA being kicked back to SSA with unavailability of those funds for XXXX to XXXX months due to their mistake, they are still refusing to reopen it.
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NC)

In all of 2021 I got marketing advertisement mails from one main financial local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my XXXX credit report on : XX/XX/2021 & XX/XX/2021 one main financial po box XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my XXXX report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them. This affidavit does not reference the specific online account opening and inquiry with my credit report. I do not wish to provide any of my personal information to one main financial because Identity Theft & Fraud has already occurred and they have failed to stop sending marketing mail to me at my home after I requested & reported numerous opt outs. I was informed that the only way they would show up on my credit report inquiry is if I filled out a loan application with them which I never did.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I've been a loyal customer of Chase customer for over 10 years and used a number of their products and services including : Commercial loan on a building Business Bank Accounts Business Credit Cards Personal Bank Accounts Personal Investment Accounts Personal Credit Cards On XX/XX/XXXX, I received a letter from Chase asking that I submit a W-9 form and an SSA-89 form for one of my personal checking accounts and that if I did not, my account would be closed by XX/XX/2022. I confirmed with my banker that this form was indeed from Chase and I sent these forms in on XX/XX/XXXX. 

On XX/XX/XXXX, I visited a local branch to deposit a check and was told my account was " frozen '' and to contact an XXXX number they supplied. 

Baffled, I contacted the number and was told that they did not receive the information requested from me. The agent asked numerous times if I was a XXXX Citizen, which I confirmed. I am, I was born here and lived here all my life. I was told that no additional information could be provided. 

I escalated this and was told by another agent that they did indeed have the W9 form that I mailed in but that I " forgot to include the SSA-89 form ''. Both of these forms were in the exact same envelope that was sent to XXXX on XX/XX/XXXX. I had a scanned copy prior to sending that I showed my local banker. 

Given it was near the end of the month when dozens of auto-pay transactions typically hit my account, I urgently escalated this to my banker and she came by my office the following day to pick up a 2nd copy of both the W9 and SSA-89 so that it could be processed by the bank. I was told it would be resolved the following day. 

Instead, the account vanished from my online banking altogether with my funds seized and inaccessible. I contacted Chase and was told the account was permanently closed, they would not re-open it and that I would receive the money that was in the account in the mail. These funds were received after numerous payments were due and in turn, I had late payments ( with fees incurred ) and late notices that will affect my credit. 

This closing of the account, which to me was done with XXXX prior notice since I had sent everything Chase asked for - twice- with no communication from the bank stating the account would be closed has caused me over {$450.00} in late fees and dozens of hours of time to open new accounts and make payments ( including late fees ) for mortgages, utility bills and credit cards. 

Less than a week later, again with XXXX notice, they froze the funds in my son 's account at the same bank and permanently closed it as well.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute certain hard inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. Please see letters for the inquiries that I am referring to.
Consumer complaint received 2023-05-25
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-15
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: Colony Brands, Inc. (CT)

I was fraudulent with my identity 7 years ago with this company Montgomery Ward I tried to dispute this off my credit report as inaccurate, no knowledge to this account, fraudulent for the amount of {$430.00} date opened on XXXX, XXXX, XXXX it's a charge off account with no payments for many years now its fraud I reached out many times to Montgomery Ward I got no answers no resolution nothing but a update on my credit report as accurate for XXXX XXXX, XXXX a new current date this is not my account it's fraudulent I need help to solve this manner its hurting my credit worthiness my life is on hold because of this action
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

This dealership keeps switching up their contracts every Time I get approved for a loan. I did business with them twice and the last time they kept my money and told me being back the vehicle 3 weeks later. That is yo-yo financing- spot delivery these companies mest my whole credit im losing points on the daily because of these people
Consumer complaint received 2024-01-22
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. (WA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

Potentially NegativeXXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$450.00} written off.XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusClosed. {$1600.00} written off.XXXX  XXXXPotentially negativeDate openedXXXXBalance XXXX XXXXStatusOpen. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $  XXXXStatusAccount charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusCollection account. {$860.00} past due as of XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusXXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$450.00} written off.XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusClosed. {$1600.00} written off.XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusOpen. {$100.00} past due as of XXXX XXXX XXXX/XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. $ XXXXCollection account. $ XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusCollection account. {$860.00} past due as of XXXX XXXX XXXXPotentHard inquiriesXXXX-XXXXInquired onXXXXOn record untilXXXX XXXXXXXXInquired onXXXXOn record untilXXXX XXXXInquired onXXXXOn record untiXXXX XXXX XXXX XXXXInquired onXXXXOn record untiXXXX XXXXInquired onXXXXOn record untilXXXX XXXX XXXX  XXXXInquired onXXXXOn record untilXXXX XXXX XXXXInquired onXXXXOn record untiXXXX XXXX XXXX XXXXInquired onXXXXOn record untilXXXX XXXX onXXXXOn record untiXXXX XXXXInquired onXXXXOn record untilXXXX  XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (OR)

I called Mohela XXXX and asked for information on how to update my credit reports to the current loan status of Closed Account/Paid in Full with a XXXX balance. The customer service representative said it would take 30 days to update my credit report, and to just wait. Mohela had emailed me documentation stating my account was Paid in Full with a XXXX balance on XXXX. 

The Mohela website states, " The status of your student loan ( XXXX ) is reported monthly to the nationwide consumer reporting agencies. '' Discharged loans will be reported as " paid in full '' upon your loan status reflecting as " paid in full. '' I checked my XXXX XXXX at all three credit reporting agencies as of XXXX ( XXXX, XXXX, and XXXX ) and my Mohela account has not been updated since XXXX, as per all three reporting agencies. 

My credit report still states, " Current/Pays as agreed '' and that information is incorrect.
Consumer complaint received 2024-01-22
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. (TX)

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.

has violated my rights. Or a 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 2024-01-22
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. (TX)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$2200.00} -XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX  : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!