davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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)

The Credit bureaus stated the account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate within all three bureaus. They did not provide me with the original signed contract in which myself and the other party had a debt obligation. This is grounds for removal in addition they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation in which my tracking numbers are # XXXX, # XXXX, # XXXX, # XXXX 15 USC 1681 Section 1623 15 USC 1681 Section 611 ( a )
Consumer complaint received 2022-04-05
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. (GA)

The accounts in question have not been removed and I have submitted multiple documents showing the error. I have attempted multiple occasions to get this issue resolved and these accounts removed. This is hindering me from moving forward with home purchasing.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i ve been in the XXXX XXXX over seas for years and my own family members used my identity and opened accounts under my name so many times and even got phones and internet under my name and opened all these accounts while i was over seas i called the cops and made a case 3 time the last one was ( case number : XXXX ) agent XXXX and i went to a lawyer to threaten them by law that i will sue them i attached the letter it was in XXXX  and still everything is on, 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports 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 these are all the tracking number for all these certified letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XX/XX/2020. I entered XXXX XXXX I extended them via my SSN card, expecting a consumer credit transaction. ( You entered me in a empty and fraudulent alleged contract ) In turn my contract was filled with Truth In Lending Act Violations. 

See labeled violations 1. 15 USC 1602 wording like US and We isnt defined in Truth In Lending. The wording is intentionally deceitful and misleading in an attempt to confuse me as the original creditor. Also is an attempt to mislead me into thinking Im the debtor. 

2. 15 USC 1605 Determination of a Finance charge clearly states the finance charge does not include charges of a type payable in comparable transaction, meaning there is never to be cash need or accepted in a consumer credit transaction items # 2 # 5 # 6 show I put {$1500.00} in cash in the transaction. 
Also # 4 shows I make monthly payments on a loan from Credit Acceptance Title 15 Chapter 41 does not define a loan I have no idea what that is. Im came in for a consumer credit transaction there is to be no cash involved. 

3. 15 USC 1605 Determination of finance charge, also states the finance charge is the sum of all charges. So why wasnt my on insurance ( XXXX, XXXX XXXX etc ) including in my finance charge. Total payments # 3 show cash given out amount, but the finance show lower amount which is the sum of all charges right?. 

4. 15 USC 1635 Right of rescission as to certain transactions, say the creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, any obligor in a transaction subject to this section the rights of the obligor in under this section I was never given disclosed of my right see attachments
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc. (NC)

There is an amount of {$1400.00} on my credit report from Stern Recovery Services. I have no knowledge of what this is for. I require validation of the debt. Identification of the original creditor. I also require validation that the debt is mine for services rendered to me. Along with documentation signed by me acknowledging that I would be responsible for any debt owed.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX  which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.
Consumer complaint received 2022-06-21
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: Nelnet, Inc. (AL)

To whom it may concern, I am writing to delete the following information in my file : DEPT OF EDUCATION/NELN XXXX - {$10000.00} XXXX - {$4400.00} It shows that these accounts were both opened in 2010. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-21
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. (MO)

In accordance with the Fair Credit Reporting Act 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 account without my written instructions.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/22, I woke up to an unfamiliar charge of {$4.00} pending in my account to XXXX XXXX. I had not made a purchase at XXXX, XXXX, and verified through my purchasing history that I had not made that charge. I contacted Chase Bank to begin the fraud process. I was transferred to that department where I indicated the transaction was fraud, not a dispute. The person I spoke to indicated to me that I would need to contact XXXX directly to cancel the transaction. I brought my sister into the call, as she had experience in this department at another bank. She made it clear that the charge was fraud and the card needed to be canceled and reissued. The man continued to argue about contacting XXXX to handle this instead, before finally choosing to agree to cancel the card, credit the account, and open a fraud investigation. Initially he planned on sending the card in the total 2 week processing time, but my sister was able to empathize the importance of expediting the card. Later that day I noticed the credit for {$4.00} and assumed it would be handled. The next morning, XX/XX/22, I noticed that the credit had been reversed and the fraudulent payment was again on my account. I decided to wait until the next business day to see if it was removed again. On Monday XX/XX/22, I went to make an online payment using XXXX XXXX  with another card of mine, and inadvertently charged the canceled card. I waited for the payment to be rejected, but it wasn't. It turns out my compromised card was never deactivated. It is concerning how this was handled. Ultimately my account was left compromised for days after they were notified.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged THE BUREAUS XXXX, XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Dispute with Experian multiple times, they respond without investigation within a day that it meets standards. Multiple inquiries that I did not authorize and they refuse to remove. Also current collection belongs to someone other then myself. I currently have XXXX and credit Experian refuses to look at current bill, that explains I have a current account.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have written this letter to dispute transactions that are listed on my consumer report, which you BANK OF AMERICA disclosed to XXXX XXXX XXXX. The amount is wrongfully listed on my consumer report because i did not give my written express consent to have these transaction disclosed to any consumer reporting agency with respect to the FCRA and US CODE ( s ). INSTITUTION NAME : BANK OF AMERICA TRANSACTIONS LISTED : VARIOUS TRANSACTIONS I am disputing this unlawful use of my recent transactions
Consumer complaint received 2022-06-21
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. (CO)

In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX  account # XXXX ** XXXX XXXX account  # XXXX XXXX XXXX account  # XXXX
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX, I called Marcus customer service to ask to change my due date. I was told I should escalate my concern to a supervisor. I did so and the supervisor said my request would be put in manually and I would receive a call back as they were still transitioning and were having multiple issues. For almost two weeks, I did not receive a call back. I call again on XX/XX/XXXX. The agent could not find this request but found a complaint. I asked to be transferred to a supervisor and my request was not initially honored. Thus, I was forced to repeat myself multiple times for a supervisor- which was unfairly tough on me as I have a XXXX XXXX that was illegally aggravated here by Marcus. When I was transferred to a supervisor, the supervisor proceeded to defend the first agents blatant misconduct by saying that the answer was clear. I said it was not clear when on XX/XX/XXXX I was asked to escalate this issue and I was told I was going to get a call back. She told me that the complaint was closed stating I asked this question multiple times and got the same answer, which was clearly a false and fraudulent entry because I was asked to escalate the call on XX/XX/XXXX and I was told Id receive a call back and I was sympathetic at the time to the operational issues. However, because I was being blatantly XXXX now by this supervisor, I told her I felt I was being XXXX  discriminated against by being so openly lied to and disrespected by having my integrity questioned. A Marcus employee intentionally lied on a written document saying I had gotten the same answer multiple times, when I had in fact not gotten the same answer. Then, disgustingly and despicably, I was literally ordered by this supervisor to stop making this allegation as if I were some type of animal who could be ordered like that. She said this after I told her I was going to complain to the CFPB. She seemed to be intending to criminally obstruct my complaint and subsequent federal regulatory investigation by this illegal and outrageous order. Perhaps, she was not intending to intentionally be XXXX with her offensive order - but rather was just going rogue because she was being lazy and did not want to research the truth into what was actually said to me on XX/XX/XXXX.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-06-21
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. (TN)

XXXX XXXX recently added two collection accounts to my credit report for the same bill from XX/XX/2015. Not only is it too old to be on my credit, but they ha e it listed twice. It is listed with XXXX XXXXXXXX XXXX XXXXXXXX for {$13000.00} and also with XXXX XXXX, XXXX for {$13000.00}. This caused my credit score to drop by nearly XXXX points. So not only is it too old and listed twice, they don't even have the same amounts reported. I am extremely sick and on XXXX, and heavily really on my credit to help my son, who has XXXX, survive. This company proved to have numerous unethical business practices, and scammed me into buying a car that broke down after less than a week. They could see that I was weak, in pain, and XXXX and preyed on that weakness.
Consumer complaint received 2024-10-16
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.