davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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)

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 2023-05-09
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

EXPERIAN CONTINUALLY, DISPITE MY DISPUTES, REPORTS MY NAME, ADDRESSES AND CREDIT FILE INCORRECTLY. I HAVE SENT NUMEROUS NOTICES OVER THE YRS TO DISPUTE. EXPERIAN IS REPORTING THAT I HAVE DELIQUENT ACCOUNTS, HIGH BALANCES AND TOO NEW CREDIT..WHILE AT THE SAME TIME STATING THAT IT CAN NOT VERIFY MY IDENTITY. EVEN THOUGH EVERY DISPUTE I SEND IN HAS A DRIVERS LIC, PASSPORT, SS CARD, BIRTH CERT, EMPLOYER RETIRED ID, A BLANK CHECK, MEDICAL CARDS AND IMAGES OF DEBIT AND CREDIT CARDS. EXPERIAN IS SINGLEHANDEDLY DESTROYING MY CREDIT FILE. I HAVE NO DELIQUENT ACCOUNTS, AND ALL OF MY CREDIT CARDS HAVE A XXXX BALANCE. THE ONLY LOAN I HAVE OPEN IS MY MORTGAGE THAT I AM OF COURSE PAYING ON TIME. EXPERIAN IS CAUSING PAIN AND SUFFERING AND I RECENTLY FOUND OUT THAT THEY ARE BEING SUED IN A CLASS ACTION SUIT FOR XXXX DISCRIMINATION VIA THE INTERNET ALGORITHM, ULTIMATELY ISSUING LOWER CREDIT SCORES TO MINORITIES ESPECIALLY XXXX XXXX  LIKE MYSELF. MY CREDIT SCORE SHOULD BE AT LEAST XXXX. MY CREDIT SCORE WAS HIGHER WHEN MY DEBT TO INCOME RATION WAS HORRIBLE LAST YR. IT HAS REMAINED AT XXXX NO MATTER WHAT HAS BEEN PAID OFF. THEY ARE CONTINUING TO REPORT MY NAME INCORRECTLY WHICH IS ALSO DAMAGING MY CREDIT FILE AND CAUSING CREDIT DENIALS, EMBARRASMENT, PAIN AND SUFFERING.ALSO I AM BEING SHUT OUT OF BUSINESS CREDIT AND HAVE TO CLOSE MY BUSINESS FULL TIME. IF I HAVE TO CLOSE MY BUSINESS I WILL FILE FOR DAMAGES UNDER THE FAIR CREDIT REPORTING ACT.THE ONLY RESPONSES PROVIDED ARE ROBOTIC EMAILS.THE PHONE NUMBER PROVIDED IS AN ARTIFICIAL INTELLIGENCE RECORDED LOOP THAT REFUSES TO TRANSFER YOU TO AN ACTUAL HUMAN BEING. I HAS BEEN A VISCIOUS CYCLE OF ME SPENDING MONEY TO COMMUTE TO THE POST OFFICE AND SEND THE LETTERS CERTIFIED AND FIRST CLASS MAIL FOR WHICH I WILL ALSO BE SEEKING DAMAGES. WHATS WORSE IS EVERYTIME I REPORT THEM TO THE CFPB, EXPERIAN RESPONDS THAT INFOXXXX IS VERIFIED AND THE CFPB CLOSES OUT THE CASE AS RESOLVED. I CONTINUE TO LODGE THESE COMPLAINTS AND DOCUMENT THEM FOR PAPER TRAIL PURPOSES.
Consumer complaint received 2024-01-19
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. (NY)

XXXX XXXX XXXX has my XXXX 's social security number. They have said on the phone and accused me of giving them the wrong social security number and they are refusing to take ownership on their mistake, stating that they verify everything, yet somehow this social security number was linked with my birthday. This should not have happened. I spoke with their supervisor about this and my struggle to maintain payments and he recommended to file bankruptcy, as well as said that the issue with my XXXX 's SS would be resolved. 

Since then I have continued to receive over XXXX calls a week from XXXX XXXX XXXX, which is harassment per the law, and was advised by a bankruptcy lawyer to tell my creditors I was filing. ( I have not filed yet ). On the phone I was threatened by someone else named XXXX, after I advised them of this, who stated that they would garnish my wages and also accused me of lying about not giving them my XXXX XXXX social and lying about the XXXX advising to file for bankruptcy. It was also suggested by them that bankruptcy would impede their removal of my XXXX XXXX  social security number from the loan. 

They are continuing to call me multiple times per week, around XXXX times a week under different numbers. I would like them entirely abolished from my credit report. They have too much information mixed up and can not be trusted.
Consumer complaint received 2024-01-19
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. (NY)

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 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX )
Consumer complaint received 2022-11-08
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. (NM)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
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. (FL)

XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX  Account Number XXXX ( showing different account number not accurate ) 15 U.S. Code 1692e - False or misleading representations XXXX XXXXXXXX ( identity theft ) Account Number XXXX ( please removed ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )
Consumer complaint received 2021-10-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (CA)

THEY KEEP CALLING EVERYDAY AT ALL HOURS OF THE DAY WITH DIFFERENT PHONE NUMBERS I HAVE ALREADY TOLD THEM TO STOP HARASSING ME. MY DEBT IS ALREADY IN COLLECTIONS AND ON MY CREDIT REPORT. THE COMPANY IS CALLED WESTLAKE FINANCIAL SERVICES.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

My cousin passed and I became the " Successor in interest '' on the mortgage. The mortgage was taken out in XXXX and refinancing would save about {$1000.00} each month! I have been trying for several weeks to get XXXX XXXX XXXX to send a Mortgage Payoff Estimate to my title insurance company so I can have my mortgage refinanced. ( Rushmore services mortgages but does not do any refinancing. ) I have faxed, called, and uploaded documents to their website, XXXX XXXX 's website ) almost every day for two weeks to simply get a XXXX XXXX. They keep saying that they can not read my " third party authorization '' ( which is a lie ) ; and will not accept my telephone calls as a valid request for a XXXX XXXX XXXX which is dishonest and unethical behavior on their part ). I really need them to send me or my title insurance company the XXXX XXXX immediately good to XX/XX/XXXX! Immediately and with no more delays!
Consumer complaint received 2021-09-02
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: First Federal Credit Control, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FIRST FED CREDIT CONTROL or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  XXXX Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on FIRST FED CREDIT CONTROL or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ This is on my Equifax Report. I tried to dispute this with the company, and they have not did anything to resolve this issue. I am not aware of these accounts. Law states I have a right to a validation letter which was not shown. Even still, my information is not to be shared to 3rd party without consent in wet ink. We can resolve this by Disputing this off of my EQUIFAX, XXXX ASAP. 

In best regards. Account holder
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX account # XXXX is illegally violating 1666b by furnishing late payments on consumer open end credit accounts on my XXXX and EXPERIAN Consumer Files. Also transactions and experiences are excluded from Consumer Files.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian credit report states that there are two late payments. One for the month of XX/XX/2017 and another for the month of XX/XX/2017. Being that I never received any written notifications within 21 days before either of the payments were due ( nor did I receive any other notifications at all whatsoever ) continuing to report them is a direct violation of the 1637b clause of title 15 U.S.C. 1666b of the commerce and trade law.
Consumer complaint received 2023-05-09
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. (OH)

I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2024-01-19
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX/2022XX/XX/year> Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry XXXX XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

Since 2017 XXXX I have been in a debt consolidation company In charge debt solutions. One of the credit cards I put into the debt collection was XXXX XXXX XXXX. They agreed to the terms of the debt consolidation company monthly payments percentage rate etc I have a letter stating that from the credit card company. I paid the debt of I believe XXXX. Which they agreed to. Then I get a notice from a collection agency. I called them spoke to a supervisor he said that if I got the letter send it to him which I did and never heard back from him again. I tried to call several times and he wouldnt return my calls and was always busy. I paid my debt that they agreed to and dont think its fair that its still on my credit report in collections for the full amount.
Consumer complaint received 2024-01-20
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)

THE FOLLOWING INQUIRIES WERE ADDED TO MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2020-07-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (MN)

Company bought my debt from a payday loan company when I didnt even know I still owed on the original debt. The original debt is not listed on my credit report but I didnt find out about this debt till it showed up on my credit report, I got in contact with them and tried to argue that I didnt owe it but they made threats against my assets if I didnt at least set up a payment plan. The debt theyre asking for is far more than I could have possibly owed, and I had no chance to dispute it before it showed up on my credit report. This caused me to loose out on a mortgage I have been working towards over 12 years.