davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (LA)

Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.
Consumer complaint received 2023-04-03
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: I.C. System, Inc. (CA)

IC system has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (CA)

I had opened a rewards checking account with Axos Bank in XX/XX/XXXX to avail of the offer of having a direct deposit of {$1500.00} to earn a {$150.00} cash bonus. I satisfied that requirement on XX/XX/XXXX itself, however, till XX/XX/XXXX no bonus was added. I reached out to support over the phone who indicated a promo code wasn't applied. I have since transferred my {$1500.00} in XXXX to my bank account but have kept the account open for investigation.
Consumer complaint received 2020-07-16
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EXPERIAN is now knowingly in violation of the FCRA and is not taking steps to correct that violation. they CONTUINE TO Violate MY PRIVACY ADN REPORT INCCAURATE INFORMATION ON MY CONSUMER REPORT I have attempted multiple times to have EXPERIAN reverse the erroneous delinquency filing and they have refused to do so on each occasion. They never sent me proof of validation and continue to report and share incorrect information defaming my charter and causing emotional stress
Consumer complaint received 2022-12-20
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. (IL)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX  Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-14
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXXXXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet. You guys finally called and I was at the grocery store with a close to dead phone I couldnt finish the call. Im so sorry for the annoyance I could have caused.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (CA)

I would like to file a complaint with Experian and XXXX. Experian is reporting two bankruptcies on my credit file and I requested for Experian to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with Experian at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that Experian claims that they called is actually a disconnected number on my credit report. I would also like Experian to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of chapter XXXX or XXXX. I am asking Experian for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with Experian.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CT)

Today, XX/XX/2020, I received a letter from Aldous & Associates in XXXX, Utah dated XX/XX/2020. The letter stating that I owe XXXX XXXX a debt in the amount of {$84.00}. I called XXXX XXXX in XXXX XXXX, CT to inquire about the debt but reached a voice mail recording stating the mailbox was full. 
Next I called Aldous & Associates ( XXXX XXXX ) and explained that I did not believe the debt associated with the account number indicated was in my name or bearing my signature. I stated I have never even received a bill from XXXX XXXX, How can it go to collections? I asked that verification of the debt be sent to me.I was told I was required to send the request in writing within 30 days, before any verification would be sent. 
I called the Federal Trade Commission Consumer Finance Protection Bureau and was given information that Aldous & Associates had 5 days to mail a communication acknowledging my call and 30 days to send the requested proof of debt. I called Aldous & Assoc. back and told them what I had just been told and requested proof of debt again. I was denied and told I first had to send a letter. I explained I have been recovering from XXXX  XXXX and healing from a XXXX XXXX and have trouble getting around. I asked if they had any accommodations for people with XXXX. " No ''. What about the Americans with Disabilities Act- Don't you have any provisions for the XXXX? " No '' I asked if I could email my request. " No '' I asked if they had a fax I could send it to. " No ''. I asked for the name of the person I was speaking with. " XXXX XXXX ''. ( Suspiciously generic name. )
Consumer complaint received 2021-03-31
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)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX  XXXX, XXXX
Consumer complaint received 2020-08-14
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)

My credit score dropped 6 points with one hard inquiry from XXXX XXXX on XX/XX/2020, yet over the course of 3 years, when my balances have decreased, been paid off, or were less than 30 percent, my credit increased by a maximum of 4 pts. And when my balances increased or I received an inquiry, my credit score was deduced by a maximum of 6 points. In addition, my debt to income ratio is phenomenal. Again, there is a direct correlation of the lack of proper credit score tabulation in relation to my ethnicity as an XXXX. And I am noticing a clear line of discrimination as it relates to my credit. No matter how hard I work or maintain or earn credit or pay things off, my credit stays in predominantly stagnated state of 680 range, which is a discriminatory practice on the part of TransUnion and its affiliates.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding XXXX  XXXX # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number XXXX.
Consumer complaint received 2022-06-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXXhas violated my righs.

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.

please remove
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (CO)

I had various credit cards with Comenity Bank. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with Comenity Bank, were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were Zales , XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts zales and XXXX. They fixed the name on the XXXX and never the zales account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

To whom it may concern, A {$200.00} collections from AFNI on behalf of XXXX XXXX XXXX XXXX showed up on my XXXX  credit report today. 

I do not owe this money and have had the same collection show up on my credit report in the past for several years now. I have repeatedly disputed the report as the various collection agencies keep changing the date. Immediately prior to this instance, the date listed was XXXX XXXX. There is no date listed for the delinquency reported today, XX/XX/XXXX, so I presume that is the date the credit bureau/ AFNI is using. 

I have also received phone calls and letters over the years despite my statement that " I will not pay this debt. Any further communication with me is in violation of the Fair Debt Collection Practices Act. '' Even if I did owe the money, the statute of limitations for debt collection in the state of Texas, where the debt was allegedly incurred, is 4 years ( Tex. Civ. Prac. Rem. Code Sec. 16.004 ; Tex. Fin. Code sec. 392.007 ( d ) ) That time has past. In XX/XX/XXXX, I did vacate my XXXX, Texas apartment. However, the internet services I cancelled were XXXX XXXX, with whom I had an account since XXXX ( see the attached documents ). 

By this writing, I respectfully request that the CFPB require XXXX XXXX XXXX XXXX recall the debt from AFNI, remove the collections from my credit report, and prohibit AFNI and XXXX XXXX XXXX XXXX from making any further reports to my credit. 

Should you wish to discuss this matter further, I can be contacted at : XXXX ( XXXX ) XXXX Regards, XXXX
Consumer complaint received 2023-06-25
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. (PA)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Equifax on XX/XX/XXXX. Regrettably, Equifax has failed to respond to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 

Upon reviewing a copy of my credit report, I discovered the following inaccurate information that requires correction : Account Name : XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$54.00} I want to bring to your attention that the balance reported for the specified closed account is incorrect. This inaccurate information is significantly damaging my credit reputation. I request that you revise the Past Due information, as it is inappropriate to report a Past Due amount for a charged-off account. The negative impact of this account on my credit score necessitates an agreement with my creditor regarding the incorrect data. Therefore, I kindly request that you mark this account as disputed to prevent further adverse effects on my credit score.