davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sklar Law LLC (NJ)

I have been renting a townhouse at XXXX XXXX in XXXX XXXX since the summer of XXXX with my then XXXX year old child. 

Since, XX/XX/XXXX the premises have been infested with fleas. The XXXX XXXX office was notified promptly on XX/XX/XXXX of the issue. It took me following up with the office staff twice per day after reporting the problem just to get an exterminator to come to assess the situation on XX/XX/XXXX. After the assessment, the rude and unhelpful XXXX had the exterminator scheduled to come out to do the first treatment on XX/XX/XXXX, knowing that the time was of the essence and that the unit was uninhabitable. I had to insist on the exterminator to come out sooner, so XXXX came out on XX/XX/XXXX to do the first treatment. 

During the assessment visit by XXXX XXXX XXXX XXXX, I was given a guarantee by him that the problem will be fixed after the first treatment. Well, the problem didnt go away after the first treatment on XX/XX/XXXX. I reported to the office again and XXXX came out again on XX/XX/XXXX to do a second treatment. And again, the problem did not go away. I contacted the office and emailed XXXX XXXX on multiple occasions after that, however, have not gotten any acknowledgement or a reply. 

I had no choice but to hire a private exterminator, that had come out on XX/XX/XXXX and XX/XX/XXXX to treat the premises. 

In the meantime, the unit hasnt been occupied by me, my son and our cat since XX/XX/XXXX, because its UNINHABITABLE. 

The landlord has breached the lease agreement ( item XXXX, last paragraph ), by leaving the property in uninhabitable condition, but still requiring full rent. ALL RENT WAS WITHHELD, UNTIL PROBLEM RESOLVED. 

I requested that they repair these conditions immediately. Neither I, nor anyone on the premises with my permission, caused this problem. I also reserved all legal rights and remedies with regard to this situation. 

XXXX XXXX failed to cure the issue, but instead filed an eviction against me on XX/XX/XXXX. At that point I hired legal representation to represent me and my legal rights. The eviction was dropped because I moved the rest of my belongings on XX/XX/XXXX. 

Now Sklar Law LLC, is coming after me for the debt that they say I owe to XXXX XXXX in the amount of {$4500.00}. On XX/XX/XXXX I replied to Sklar Law letting them know that I dispute the debt and reasons why. In return on XX/XX/XXXX they sent me a one page summary of charges, stating that it's a debt validation.

Sklar Law, LLC did not research the issue and problem, as to the reasons why the rent was not paid for XXXX and XXXX of XXXX.
Consumer complaint received 2022-06-22
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. (NV)

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 21 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 n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX  # XXXX - XXXX XXXX, # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXX XXXX has violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 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 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting. 

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXX118 WHITE TRXXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In, XXXX through XXXX, I reported information to each XXXX credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies XXXX years ago.
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (VA)

They are charging {$300.00} for a fee that I don't know what it's for. Also they have called me after I made a payment and my payment was made ( this has happened several times ).  Also they have violated FDCPA by calling me early in the day leaving a message on my voicemail and then they call back again in the same day that they left a message. This happened today and XX/XX/2019. This is not the first time this has happened. They customer service reps are also very rude.
Consumer complaint received 2021-09-23
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: Experian Information Solutions Inc. (GA)

XXXX XXXX shared inaccurate information with Experian without my consent, therefore putting inaccurate information on my credit report. I disputed two bankruptcies that were showing on my credit profile with experian no other bureau is reporting such information except Experian. I filed a disputed to resolve the inaccurate information and Experian came back and said they received the info from XXXX XXXX. I called  XXXX they investigated the information and came back with it deleted because they were not able to verify the bankruptcy to be accurate. I then sent those letters that XXXX sent me to Experian they never replied back to me so I sent another letter asking to verify where are they really getting the information b/c the courthouse does not provide this information to the credit bureau and XXXX could not verify the bankruptcies so where is Experian getting it from the othe credit reporting agencies are not reporting this. Per the Privacy Act of 1974 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Condition of Disclosure Cybersecurity breaches of government computer Delete unauthorized Bankrupties I was never shown any document from experian where this information was verified. I never gave written consent to anyone to use my information against me especially when it's reporting inaccurate. Experian reps has lied to me several times about this information that I have requested requesting that they send me verification of the where they are getting the information and I have yet to received anything. Experian is mis using my information to hurt me and I will be looking into suing Experian once they see that they have provided inaccurate reporting of a banruptcy that I have tried to dispute after I have tried to reach out serveral times. Experian has ignored my calls and my letter sent to them in reference to this bankruptcy. Experian took information from a third party source who does not have this information in their sysytem but Experian has and used it to hurt my credit profile. Under the FCRA that is a VIOLATION and I want something done IMMEDIATELY!!!! Never once have Experian tried to resolved this matter as I take my credit profile serious.
Consumer complaint received 2022-06-22
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. (AL)

n accordance with the Fair Credit Reporting Act, XXXX AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-07-18
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. (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to TRANSUNION XXXX XXXX XXXX. I am a natural person who is at all times relevant. My XXXX Report shall always be FAIR and EQUITABLE to me. TRANSUNION, XXXX, AND XXXX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

According to 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report these accounts are in violation any credit transaction supposed to be excluded from a consumer credit report if a social security was used in the transaction. I never gave you anything in written consent to report anything on my consumer reports, no consent is fraud. Misleading False reporting and inaccurately reporting means you are failing to comply to 15 USC 1681. I demand these accounts be deleted immediately!
Consumer complaint received 2022-06-22
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. (MD)

My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, XXXX XXXX, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to XXXX XXXX. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( Experian has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (WV)

I am a XXXX XXXX and am very familiar with the payment processes on a mortgage loan. My home is finance through Quickens Rocket Mortgage. I pay my personal mortgage ahead and with a little extra for principal every month. I was due for XXXX on XXXX the XXXX and I made that payment. I didn't remember to change the date of my next payment that is set up automatically through my online banking, so I made another payment on XX/XX/XXXX. That moved my next due date to XXXX. I assumed by paying my payments early that more of each payment would go toward principal since each payment was made less than 30 days apart. When I realized I had made 2 payments back to back I went online to see how much principal I had knocked out. To my surprise, when they processed my payments they took out a full months interest from both payments. I assumed the second payment would only have 1 days interest accrued taken out of it but it did not. It had a full 30 days of interest taken out. I called Rocket and explained that they had processed it wrong. The gentleman told me that it was correct that it goes by the amortization schedule. I told him the amortization schedule was simply a prediction of what I would pay, if I paid exactly as the schedule predicts, but I do not, I pay early. In this case months early and 2 days apart. He asked if I wanted him to send me a copy of the amortization schedule. I said no, I don't need that. I then told him I thought it was illegal for them to collect interest they had not earned. He assured me it was legal but I do not see how that is true. From what I understood after talking to him was that if I mailed them XXXX check for XXXX payments today in one envelope ( which is the number left on the loan ) they would take a full months interest from each one of those payments. I can't find any language in my note that states this process, only that they will pay interest fist and principal second, which is common. I can't believe what they are doing is acceptable and haven't found anyone who knows, so I am writing you. If this process is compliant, it should not be.
Consumer complaint received 2022-08-11
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. (TX)

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 XXXXThis 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (AL)

n accordance with the Fair Credit Reporting Act, XXXX AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''