davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (PA)

The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XX/XX/XXXX XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy. 

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 furnish a account without my written instructions 15 U.S. 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2023-04-04
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
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 2023-05-27
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: EQUIFAX, INC. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-07-11
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. (PA)

I submitted other requests to both Trans Union and XXXX to have the three accounts from XXXX XXXX XXXX removed from my credit report. These accounts are company accounts and are not personal. XXXX XXXX XXXX has responded that XX/XX/XXXX theyve updated and should be removed however Trans Union and XXXX continue to keep them on my credit report stating that they were verified. That is in complete disregard for the verification that XXXX XXXX itself has given me and has given CFPB in the complaint filed against them that I have attached hereto.
Consumer complaint received 2024-10-30
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. (AL)

I have previously and recently disputed the following accounts on XX/XX/year> and again on XXXX with Experian : XXXX XXXX of XXXX that starts with Account XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i , I asked them to remove the negative payment history.This information came back as verified and updated and was never updated. 

XXXX XXXX Bank XXXX XXXX starts with Account XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. From the last dispute it came back as updated with a different close date and an additional late payment which is all different from a previous dispute on XX/XX/XXXX results said verified and updated and were never changed which is a direct violation of the credit bureaus duties. 

XXXX Bank that starts with XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. I also advised that this account was closed but still actively reporting me as delinquent. 

XXXX XXXX that starts with XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. From the last dispute it came back as updated with a different close date and an additional late payment which is all different from a previous dispute on XX/XX/XXXX results said verified and updated and were never changed which is a direct violation of the credit bureaus duties. 

XXXX XXXX XXXX XXXX starts with XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. This account is also reporting as a charge off with a balance and is involved in litigation as well. On XX/XX/year>, this account was verified and updated with completely different information than the XX/XX/XXXX results.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CO)

Starting in XX/XX/XXXX we started to receive emails from a XXXX account stating we had a past due balance. I was able to check our account and I could not find anything past due so I figured this was a phishing scam. We continued to receive emails from this email account ( XXXX & XX/XX/XXXX ). 

XX/XX/XXXX we received a collections letter from XXXX. At this point I contacted XXXX to insure this was not an actual bill. Case # XXXX was created by XXXX and XXXX ( support ambassador for XXXX ) was able to confirm that this was not an actual bill from XXXX that they are trying to collect. 

We reported this scam to the FTC XX/XX/XXXX. 

Yesterday ( XX/XX/XXXX ) I received a new email from Caine-Weiner trying to collect this bill. 

All documents have been added for reference.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

Experian and XXXX are reporting a medical collection on my credit report. This a direct violation of my privacy and a direct violation of the Fair Credit Reporting Act. I sent a debt validation letter a few months ago. I have not received a response. It has been past 45 days. This is also a direct violation of the Fair Credit Reporting Act. Please remove account immediately.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (AR)

Ive contacted the company. This is not my debt. I have no knowledge of it. They are now stating the amount is {$860.00} instead of XXXX something. Which I dont care because Ive never made a payment due to having no knowledge of it. I do believe its identity theft.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Consumer complaint received 2022-07-12
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. (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 .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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-11
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 instruction.
Consumer complaint received 2023-09-22
Product: Credit 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: CITIBANK, N.A. (NY)

I would like complaint XXXX re-opened. In response to the companys response- The companys response is inaccurate. I reached out and submitted dispute on XX/XX/2022. The complaint was re-raised on XX/XX/2022, after it was closed. Included in my original submission is a screenshot of correspondence on the XXXX portal. Where you will see a dispute was started on XX/XX/2022. The customer service representatives closed that dispute on XX/XX/2022 citing ( XXXX ) credits were provided. These credits were not for the defective item but for being overcharged twice. I had the dispute re-raised 7 days after receiving the decision. As I was always disputing the remaining charge for product defective.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believeXX/XX/LVNV XX/XX/XXXXaccount XXXX has violated my rights, 15 USC 1681 section XXXX states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-26
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. (TX)

on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a BALANCE {$4300.00} and the past due amount that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This account is inaccurate Please delete this account and delete this immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX. 
Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have called several times a day for months by a robo number that hangs up when I answer. Sometimes I call back to speak with someone and I'm on hold for twenty or more minutes at a time. 

When I finally spoke with a " supervisor " about this matter, I was told I would be sued. I informed him that I needed to verify this was my debt and he in turn said his scripted message and hung up. The document sent by XXXX is a standard letter that anyone can produce. 

I also gave this company my updated address to receive the documents.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

I use Chase Bill pay for most of my bills and have for years without incident. On XX/XX/22, I made a 400 $ payment for a vehicle using Chase billpay as I always have. For some reason, this time the lender did not receive the funds. I contacted the lender first and showed proof of payment through Chase. The lender did a research request and contacted me 3 days later stating they found the problem. Chase has a 3rd party vendor for Bill pay called XXXX XXXX and my transaction was found on an XXXX list for missing bill payments. She stated Chase would need to retrieve my money through this vendor. So, I contacted Chase. I was transferred many times but was finally about to submit a claim. Chase sent me a letter 3 days later stating there was no error and the matter was closed. So, I went in person to a Chase branch. I gave a banker all of my documents and explained what happened. She called Chase customer support and tried to find a resolution. She was unable to get any helpful response. In fact after she was transferred many times, no one could even tell her who the 3rd party vendor was that Chase uses. She did get them to agree to open another claim, and she faxed all of the documentation to the claims department stating my lender never got the funds from the bill pay transaction. 3 days later, I got another letter from Chase stating the matter was closed. No one from Chase has offered any resolution and everyone I have spoken to on the phone just has an attitude of oh well. So, I am missing 400 $ that Chase refuses to retrieve when the lender I contacted first found the missing payment easily and said it just needed to be researched through this 3rd party vendor by Chase.