davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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)

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 name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-06
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)

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 name : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX  did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (IN)

On XXXXXXXX XXXX XXXX I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/XXXX XXXX The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-07-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

In XX/XX/2022 I received a check in XXXX XXXX sent by Bank of America ( BofA ), {$6600.00} USD, already expired due to the large time that it takes when the cheapest postal service is used ; I asked BofA to send me a second check and use air mail service, but they told me that they could not the mailing rules of this bank. After 45 days I received this document and after the endorsement by my wife and me it was deposited in the account of a friend in XXXX, Texas, but after a great effort trying to get clear approval, this bank did not help me. A further check was issued and sent by the land service, but it was robbed by a thief in the XXXX, and cashed in a XXXX XXXX branch ( unfortunately without our endorsement signatures, was quickly cleared by BofA ).
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (TX)

A statement and payment were sent to Comenity Bank XXXX XXXX from XXXX, Texas to XXXX, Texas on XX/XX/2022 for {$160.00}. The payment was not processed until 6 days after it was considered past due on XX/XX/XXXX. The expected delivery for the payment was XX/XX/XXXX. Due to this late process of the payment, my account is not showing as past due. I contacted Comenity Bank to run an Off-cycle Report so my account shows as up to date, but they refused.
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY (SC)

Me and my late wife purchased a new truck together in XX/XX/XXXX. She passed away in XX/XX/XXXX while we were moving from XXXX to XXXX. She was XXXX and did not have a will. Everything went to an estate that I was the administrator to. I had to purchase her half of the truck from the estate and I did. The problem came when I was attempted to register the truck in XXXX. The bank has the estate of [ wife 's name ] on the title. After many conversations with the bank and with the DMV they sent a copy of the title to the XXXX  DMV [ where it was originally titled ] I had to sell it from the estate and myself and re purchase it as myself and then the DMV sent it back to the bank. They said it would remove her from the account. My XXXX registration expired XX/XX/XXXX. I have not been able to drive the truck, register, or even sell the truck because it shows estate of on the title. I communicated with the bank and they said they will not be able to remove her from the account. I have audio recording of them saying this. I informed them without being able to use the truck I can't make money with it. I do long haul pick up and drop offs for a friend farm. I informed them that I was not able to pay if I can't use the truck. They gave me one one month extension but that was it. They just repossessed the truck. When at the dmv I had the person there talk with the bank over the phone. This is not an exaggeration, the DMV was banging there heads on the table because of this. This bank made a difficult situation with the passing of my wife into a nightmare. Please can anything be done?
Consumer complaint received 2023-01-06
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. (IL)

Please see the following accounts appearing on my credit file by XXXX, Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 2021-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (TN)

ATG Credit mailed me a notification of debt collection dated XX/XX/XXXX. Due to mail running behind, I didnt receive letter until a week later. I faithfully check the mail but didnt get this letter until XX/XX/XXXX. On the letter, I was given 30 days to request the validity of this letter. On XX/XX/XXXX, I mailed a debt validation letter to the company. A few days later, theres no copy of the debt validated. However, theres been a change to my credit report. The debt has been reported to the credit bureaus. 30 days from XX/XX/XXXX is not XX/XX/XXXX, which is when this report was added. This is unfair because how can you report the debt before the 30 days are up? Also, how come I never received a copy of the debt validation before appearing on my credit report? This company isnt honoring their own 30 days policy to let clients request debt validation by reporting to the bureaus before the 30 days are up.
Consumer complaint received 2023-01-06
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name-XXXX  XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name-XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX Account Name-XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXX ) Account # XXXX Account Name-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 : I
t also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-06
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-20
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. (VA)

name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX  XXXX XXXX XXXX # XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX XXXXDispute XXXX  XXXX  XXXXUnder  Dispute XXXX  XXXX  XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri
Consumer complaint received 2023-01-06
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. (OH)

I sent Experian a credit report dispute concerning their file number XXXX dated XX/XX/2022 which disputed information contained in this report. My dispute letter was dated XX/XX/2022. They did not respond within 30 days with any corrections as required by ( FCRA ), 15 USC section 1681i.
Consumer complaint received 2023-01-06
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

US DEPT ED XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} 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$1400.00} US DEPT ED XXXX XX/XX/XXXX {$0.00} US DEPT ED 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 XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy .

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I received an email out the blue from PayPal stating my account has been restricted for " fraud '' saying I can not do business with them anymore but stating no reason or where this came from. I have no fraud reports or chargebacks. When I tried to login to my account, it won't let me transfer my money out. I have a resume writing business and these proceeds came from clients booking consultations and one client paying for a recruiter bootcamp. I will not service any clients until I get my money. All the clients who submitted orders will have to reverse with their banks and PayPal will be at fault. Also, this is grounds for a class action.
Consumer complaint received 2022-03-31
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MS)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

All I wanted to do is confirm that I still have a credit freeze with Experian. 
XXXX & XXXX did this in three minutes or less. 

I spent more than 45 minutes trying to confirm my credit freeze but the two people I spoke with said I answered the questions wrong. Apparently, Experian has the WRONG INFORMATION as the other agencies asked the same questions. XXXX Emp # XXXX said I answered the questions wrong about my credit card payments. I had the statements in front of me and was reading them to her. She said the information I gave was wrong even though it is directly from the statements. 

I would like my information to be correct and I want to conform I still have a credit freeze. 

Experian will not allow me to have any of my information because the questions they asked, they said I answered them wrong. Yet, the answers came directly from the credit card statements. 

They will not allow me to sign in online or give me any information period. 

Please confirm that I still have a credit freeze and let me sign into my account as the other agencies do. 

Best regards, XXXX XXXX