davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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 following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Two years ago, I changed my name and I updated all the credit bureau of the name change. I do not have problems with other credit bureaus except Experian. I did not suspect any problem with my Experian credit file until about 3 months ago ( XX/XX/2020 ), when my apartment lease was coming to an end and I needed to secure a new apartment. I attempted to apply for a new apartment, however, I was told by the apartment community that there was a lock on my Experian credit file and I needed to contact Experian to resolve the issue. I had to contact Experian a couple of times because the apartment insisted they couldnt run my credit even after the reps at Experian had told me there was no lock on the credit file. I became frustrated and then tried a different apartment, I was told the same thing as the first apartment. My rental application was rejected by more than 4 apartment communities because they could not run my Experian Credit report. Then I tried to run my Experian credit myself, and I realized there was a lock on my file.

I called Experian again and demanded to talk to a manager. The manager told me I had to send all my name change documents again because their system had my SSN under two different names- ( This was as a result of my name change ) she told me to call back in about 5 business days, I did as instructed and called back to get an update, they acknowledged the receipts of my documents however no one had been able to rectify their system issue even as I  type this on XXXX XX/XX/2020. I have called several times, no one has taken responsibility for the problem, I get bounced around to different departments and at the end, get hung up on. Most times, I spend over an hour on the phone with no viable solution.

Right now, I can not get an apartment ( I am practically homeless ) neither can I get credit from lenders. I am also currently on the job market for a new employment opportunity and my fear is that I may possibly lose a job offer because of a prospective employer 's inability to run my credit for background check. I have attempted to involve a legal shield lawyer, but he doesnt seem to be making any headway. I am unsure what to do or who can help me. My life is basically on hold because of Experian 's employees ' negligence of duty or lack of training. This credit lock has created so many roadblocks for me over the past 3 months and I need this resolved so that my life can go on.
Consumer complaint received 2022-10-28
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)

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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you that I've talked to the bank & they've agreed to update the account. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Consumer complaint received 2022-10-28
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, 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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: North State Acceptance, LLC (VA)

After making my last payment, I was told nothing further was due and that I had a zero balance. Nine days later the vehicle was totaled and my insurance company submitted a check to the loan company for the majority of the loan amount. The gap insurance covered the remaining balance on the vehicle. I called to check on the progress and was told I owed nothing further and to allow the insurance and the gap to take care of the balance. About a month ago, a dealership asked me why I had a repo on my account from North State Acceptance, the loan company in question, and that they had written my account off with a balance due. After contacting North State and telling them the exact same thing Ive written here, they have yet to get back to me after Ive tried contacting them 4 separate times.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency. 
I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit. 
I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (AZ)

Amsher collection service falsely reported to credit bureau companies that there is delinquent debt XXXX {$120.00} to XXXX XXXX ) on my credit reports : XXXX  removed the incorrect account of the collection company from my credit report through the dispute process on XX/XX/2020. The collection agency deliberately re-posted the false claims to the other XXXX, XXXX  in order to disrupt the refinance mortgage of mine as the collection agency harassment on XX/XX/2020 ( 1 day after I won the dispute ). The collection company intends to pressure me by damaging my credit score on my refinance process ; inducing the situation to its advantage. 


On the other hand, the delinquent debt to XXXX XXXX, {$120.00} must be false. I filed the relevant complaint against XXXX XXXX through the credit card company dispute, this XXXX. XXXX XXXX refunded me the complained amount in the dispute. However, Amsher collection service seeks to collect the legitimate refund as the delinquent debt in fraudulent activities.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was scammed out of {$850.00} via XXXX and Zelle on XX/XX/XXXX. I have been trying to work with XXXX  bank to get the money back, but have not had any luck. 
I saw the ad ( attached ) on XXXX, XXXX ID XXXX, and inquired about the XXXX tickets ( {$850.00} ) for the XXXX vs. XXXX game on XX/XX/XXXX. I left my phone number via email and the person called me from a XXXX number ( XXXX area code ). He said he would send the tickets as soon as payment was sent. I sent the payment to a secondary number via Zelle that he provided and no tickets were ever transferred. I tried calling the number back and it doesnt exist. I believe it was one of those text/ mail numbers that can be deleted. 
The secondary number is connected to a bank account as the money was sent through Zelle. The name and phone number and email are : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Any help would be appreciated as these tickets were for my dads birthday and now I am out {$850.00}. 
Zelle and XXXX Bank said they can not refund the money as the transaction was authorized.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX XXXX I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XXXX I tried to access my USAA account via my XXXX. My account has a high amount of money. I wont say the exact amount but close to {$100000.00}. I got a message saying that, for security reasons, my account had been locked and to contact USAA to resolve the issue. At this time, I could not even see my accounts. No access whatsoever. So I called and each representative I spoke to said that no one would be able to help me until XXXX central time. They could not give me any information as to why my account was locked and when I asked them to verify that my funds were still there, they could not. I asked them if I was still able to use my debit and credit cards and they said Im not sure. So I got into my car and drove to the ATM. I tried to take out money and the ATM said insufficient funds. Of course I knew that this was not true. I had plenty of money in my account. I have now spent the entire night not knowing what happened to my account. I am in complete distress and I honestly feel sick about this situation. I do not understand how my account can be locked and theres not a single person from USAA to help me out. I received no warnings and there was no activity out of the norm that I did. This honestly feels like theft or someone holding my money hostage.
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (SC)

COMPANY HAS RESPONED WITH FRAUD DOCUMENTS i HAVE ATTACH A POLICE REPORT ON MY BEHAV I AM A VICTIM OF ID THEFT AND MANY PEOPLE USE MY ID AND INFORMANTION FROM A STOLEN WALLET i HAVE LEFT ANOTHHER COMPLIANT I DONT UNDETSTAND WHATS GETTING MISCOMMUNICATION!
Consumer complaint received 2022-11-19
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a Walmart Capital One Mastercard. I always pay in full upon receiving the statement. I just received the statement with late fees and credit interest stating that I had to make a payment on XX/XX/2022. I just received the statement yesterday, XX/XX/2022. How am I to pay on the XXXX of XXXX if I do not know its due until I receive the statement. I always receive the statement approximately 12 to 14 days after the XXXX of the month. Yesterday it was the XXXX. How am I to know when to pay? This is wrong. This is FRAUD. They list {$28.00} late fee and {$21.00} interest because of the late fee. Somehow the statement has {$1300.00} owed. Yet my transactions are {$940.00}. There is a difference of {$350.00}. They do not have any account of this. 
This is wrong. I paid the money I owe, {$940.00}. I do not know where these people are coming from. Their fraudulent statement does not make sense. I do not owe that {$350.00}. I need your help.
Consumer complaint received 2021-04-01
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: Experian Information Solutions Inc. (AL)

Experian is reporting incorrectly my Date of Birth. They are only showing the year. My Date of Birth is XXXX. Experian is also incorrectly reporting my mailing address. They are showing only a XXXX XXXX XXXX I do not have a XXXX XXXX XXXX ( Please see page attached from my credit report for reference. I have also attached a copy of my drivers license and SSN card to verify my identity. ) Experian continues to report the following accounts listed below as belonging to me. I do not have an account with any of these creditors, nor have I had any accounts with these creditors in the past. They are fraudulent and need to be removed from my credit report. ( I have attached a XXXX XXXX disputing the validity of these accounts. ) XXXX partial account number XXXX ; XXXX  XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX partial account XXXX XXXX and XXXX XXXX L partial account number XXXX opened XXXX and XXXX XXXX L partial account number XXXX opened XXXX. NONE of these accounts belong to me. Experian is also reporting multiple inquiries on my credit report. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report for reference. ) These multiple inquiries belong to someone else and are reporting in error. I have contacted the bureaus as well as the creditors to remove these negative items from my credit report however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Again, please remove these fraudulent accounts from my credit report.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, 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. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX USA INQUIRXXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX XXXX XXXX, MD XXXX, Delete any other addresses listed that should not be on my report effectively immediately. But if XXXX XXXXXXXX XXXX  USA ; XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXXE ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XXXX, XXXX able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.