davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (VA)

I discovered errors on my credit report related to 15 USC 16c-2. The inquiries shown were not approved by me, and this false information is harming my credit score. Please eliminate all unauthorized hard inquiries. Thank you!
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reached out to EQUIFAX INC. In the form of an affidavit on XX/XX/2022 via Priority Express Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX EQUIFAX INC. Upon receiving this information I drafted another letter and mailed it out to EQUIFAX INC. as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called EQUIFAX on XXXX XXXX to inquire about the notice that was recieved and EQUIFAX INC. stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, EQUIFAX recieved a second Notice of Default which was signed for by the same individual. I called EQUIFAX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. EQUIFAX INC. stated to me again that they have not received any documents from. 
EQUIFAX INC unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize EQUIFAX INC. to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Consumer complaint received 2022-05-29
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. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # 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 : It also states a consumer reporting agency can not Furnished my account without my written consent
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (DE)

First the charge has been disputed several times on credit karma in the last XXXX months so I became serious about fixing my credit so I called XXXX who the alleged original debt was with the information they had on file did not match my personal information and I asked for them to remove it. Nothing was done the last time speaking with them was XXXX XXXX, 2022. Now they have sold my information to a collections agency for about a year now and my ignorance to the law prior have just ignored them so I started to notice they were the XXXX reporting to the credit bureaus and Ive contacted them via mail XXXX XXXX2022 no response. Ive since then sent in the violations of my rights requesting compensation before I sue or move forward in reporting to you guys.
Consumer complaint received 2022-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TN)

original complaint # XXXX I went through the process of filing a complaint against this company through your office and they responded that it had been closed due to verification of receipt of payment at original service date. Now I am getting another notice for the same item
Consumer complaint received 2024-08-18
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. (MS)

I have been on military duty since XX/XX/year> and someone have been using my identity without my permission. I have advised them that these are not my accounts. I have never lived or been to XXXX. The address, phone, email and other information reporting does not belong to me. I have advised them to remove the fraudulent address from my report as well. I have advised them to removed these accounts and asked them to send me a new report once removed however all accounts were not removed and they have advised me that the accounts have come back as accurate and verified however have not provided me with any information on how they came to that conclusion.
Consumer complaint received 2022-10-23
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. (MD)

On XXXX XXXX, I called the fraud department and spoke to representative by the name of XXXX regarding XXXX XXXX XXXX Bank account reporting On my credit. I explained to him that I submitted every documentation needed from me to get this account remove. This account does not belong to me and Experian has been purposely ignoring my claim. Today I happen to check my report to see what's going on. & look the account is no longer is dispute and I never got notice. It's impossible for a dispute to be completed in less than 72 hours with proper investigation. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX 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 : 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 2022-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Sent a letter of validation with return receipt requested. They received the letter on XX/XX/2022. They did not respond within the 30 days allowed. Therefore, it must be removed from my credit report. They now have reopened two closed accounts.
Consumer complaint received 2022-10-23
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)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-16
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: Resurgent Capital Services L.P. (IL)

Collection agency LVNV Funding was asked by me last year and on XXXX XXXX to send itemized transactions and my signature. I told them that I had been stuck up by gunpoint. LVNV stated that they only show 2 transactions that equal {$37.00} dollars. I asked how are you trying to collect {$1100.00}. I received a bill with no information but that my balance is {$1100.00}. I am faxing supporting documents to XXXX. Also on my credit it is showing that I opened up a new XXXX XXXX Account and I did not. 
XXXX XXXX reporting wrong amount owed
Consumer complaint received 2022-05-29
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: Nelnet, Inc. (AL)

In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of 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 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-16
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. (CA)

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Experian refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Experian did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to XXXX XXXX XXXX, There are several accounts opened via Identity Theft that Experian refuses to remove : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. Please remove these accounts.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-30
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. (DC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2022 I had a transaction of {$6500.00} sent through XXXX pay for XXXX English bulldogs that I was supposed to got on XX/XX/2022. On XX/XX/XXXX I tried to contact the seller but I noticed I was blocked on the phone and also on XXXX, so I had no way to contact the seller. I instantly figured I was scammed so I contacted my bank which is Chase bank to make a dispute. My claim got denied because they said it was through a third-party and that theres nothing they can do to help me. I was frustrated and confused because Ive never got scammed before and I felt like they wasnt taking my situation seriously and couldnt really understand why my bank wasnt trying their best to resolve my problem. I also tried to get a refund from XXXX pay but they also said that theres nothing they can do since I basically agreed to send the money. I contacted The Federal Trade Commission and made a report. They suggested that I make a claim with CFPD to see if its anything you guys could help me with. I honestly just want my money back, {$6500.00} is a lot of money to just give up on even if I dont get the whole thing back I still would like a financial release.
Consumer complaint received 2022-11-16
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)

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK XXXX XXXX FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (GA)

I asked for my account to be closed with the card issuer back in XXXX of this year. I am due a security deposit of {$500.00}, and have not received it yet. Each time I call, they give me the run around telling me to wait for the processing to to process my request. I called in XXXX and was advised the account wasnt closed because they sent me an email to confirm if I indeed wanted my account closed. I assured them that I wanted the account closed and wanted my security deposit back. This conversation happened XX/XX/2022. The representative advised me that I would receive a check in the mail within XXXX weeks. Today, I called to check on the check status being I did not receive the check, I was advised by the manager that the check was approved on XX/XX/XXXX, but it was not sent. The manager said that he sent another request today and I have to wait XXXX weeks. I feel this company is holding on to my money and wants me to give up.
Consumer complaint received 2022-09-27
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: Global Lending Services LLC (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-16
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. (NJ)

IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c 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 XXXXXXXX Has violated my right.. 
XXXX u.s.c. XXXX section XXXX A, State I have the right to privacy. 
XXXX u.s.c. XXXX section XXXX A, section XXXX it also state a consumer reporting agency can not furnish a account with out my written instructions. 
XXXX u.s.c. XXXX c ( A ) ( XXXX ) section state no consumer reporting agency XXXX make any consumer report containing. 
XXXX u.s.c. XXXX section XXXX ( A ) ( XXXX ) 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report I have found several inaccuracies. I discovered late payments on accounts for which I have always maintained timely payments. Consumer Reporting Agencies have a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account for XXXX XXXX : XXXX XXXX XXXX, Account Number ( XXXX ) I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments found. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Dates of lates payments do not match on credit report from reporting agencies.
Consumer complaint received 2022-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX I pulled a copy of my credit report and notice Lvnv funding reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Lvnv Funding did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.