davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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)

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Consumer complaint received 2022-06-16
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. (TX)

I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. Also Transunion is stating I am using a third party to dispute my credit which is not true. I have taken to time to look over my credit report and mail off letters and Transunion is refusing to investigate my disputes. I last mailed in a disputed on XX/XX/2022 and get a letter dated XX/XX/2022, saying I didn't send proper documentation. I sent proof of identity many times I keep getting the same response complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX that Transunion purchase information from, has informed me that they do not have any information in their system regarding a bankruptcy. I have attached the dispute and proof of delivery they recieve my dispute the letter that I received today XX/XX/2022.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( XXXX XXXX XXXX by XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and Account # XXXX ( XXXX XXXX XXXX XXXX XXXX by XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX Account # XXXX ( XXXX XXXX XXXX by XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Account # XXXX ( XXXX XXXX XXXX XXXX XXXX by XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
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. (FL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute of Inaccurate Chapter XXXX Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute the Chapter XXXX bankruptcy entry listed on my credit report. The details of the entry are as follows : Reference Number : XXXX Date Filed : XX/XX/year> Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Joint Asset Amount : {$0.00} Basis for Dispute : Upon reviewing my credit report, I believe that there may be inaccuracies regarding this bankruptcy entry that could be adversely affecting my credit score. Specifically : 1. Joint Responsibility : I would like to clarify the nature of the responsibility associated with this bankruptcy. If there are errors related to joint responsibility or other details that inaccurately represent my liability, I request verification of this information.

2. Discharged Status : While the bankruptcy was filed, it was discharged on the same date, and I want to ensure that this information is accurately reflected in my credit report. It should indicate that there are no outstanding balances associated with this bankruptcy, as the asset amount is recorded as {$0.00}.

3. Impact on Credit Score : Given that this entry is present on my credit report, it may have a significant negative impact on my credit score. I request a thorough investigation into this matter to ensure that my credit report is accurate and fair.

Requested Action : I request that you investigate this matter and correct any inaccuracies related to the Chapter XXXX bankruptcy entry on my credit report. Please provide me with documentation verifying the details of this bankruptcy, including any relevant judgments or rulings from the court. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation and respond to my dispute within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (GA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 3 ) a Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services I have been adversely affected by these blatant violations to federal law on my consumer reports by violating the clear exclusions provided to me by law, for these alleged debts : XXXX XXXX XXXX Account # XXXX Instructions : Delete my non-public personal medial information from my consumer report.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Attempted to obtain online credit report from XXXX in XX/XX/XXXX. Had issues with the annualcreditreport.com site and was unable to login. Made calls in XXXX in an attempt to resolve. Odd thing is all numbers seem to be connected with TransUnion. Had no success and abandoned until this summer. 

Tried to access in XXXX, with no results. Tried again on XX/XX/XXXX with no success. Called support number for annualcreditreport number and again, appeared to be a TransUnion number. Spent over an hour making phone calls with no success, all TransUnion numbers. Finally decided to call the automated line and requested reports from 3 reporting agencies. Received XXXX and XXXX reports within 10 days. 
TransUnion was the ONLY one not to mail my report. 

On XX/XX/XXXX I created login in to TransUnion site : service.transunion.com and when attempted to access report or submit dispute request website stated " unable to completed online request ''. I spent 2 hours today, XX/XX/XXXX, calling the following TransUnion phone numbers, XXXX they told me that this was an online issue and had me call XXXX, who then told me that they could not assist but there must be some error that needs correcting on their end and to call XXXX who told me that they were unable to assist and redirected me to the XXXX number. 

I then searched the TransUnion site for support and called the following number XXXX, and talked to a man who persisted in recommending a password reset ( was not having login issues ) and several times he confirmed that I was on the service.transunion.com site before he finally disconnected the call with me after XXXX minutes. He wasn't rude, nor was I, but he was unhelpful. 

My complaint is that I I can not access my report or correct any inaccuracies. TransUnion is the only reporting agency that has made it impossible for me to access and monitor my credit health. What makes it worse is that they are the primary reporting agency that so many use when lending.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (AL)

I have not supplied proof under the doctrine of estoppel by silence engehard v. Gravens ( Vito ) 281 SW 715,719, I may presume that no hard proof of the XXXX debt, nor therefore any such debt, in fact exists for accounts : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IA)

Experian is reporting old and un validated information this is a violation of the FCRA needs to be removed and credit file updated with correct and accurate information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-19
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. (TX)

FCRA violations : payments never late XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXl 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 an account without my written instructions.
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX  XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX  XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Lendmark Financial Services (WV)

XXXX. Ex husband in XXXX or XXXX got car loan. I was to be co signer not co borrower. Vehicle had issues from minute one. Lendmark financial held the loan.

2. Ex and I went to magistrate because bank sued. I wanted them to take vehicle because of issues and they wouldn't. Magistrate didn't even care. Slapped the XXXX onto the slate. Lendmark wasn't even there. No one represented the company. Illegal action one. 
XXXX. I left ex in XX/XX/XXXX. He took that car and my car and left with a friend one day. I never saw cars. 
XXXX. In XXXX we were finally divorced. He never showed for divorce hearings or anything. 
XXXX. I get this on my credit report. I call. They demand payment. Lendmark won't send bills or tell me amount. They won't give me receipts. They won't intentionally stop calling me XXXX XXXX as my last name because I demand it. It is no longer my name. I asked why they didn't go after ex XXXX XXXX and they said he called XXXX and said divorce Judge I was responsible. He never even came to a hearing or responded. There is no legal action but they took him at his word. Told me if I Have issue with it that it is civil. I gave them his address and contact info. Lendmark said nothing they can do with him. 
6. I disputed this on all 3 credit bureaus. Lendmark has it as an open auto loan that has been charged off with way more than what was left on loan. They don't know who I am to pay. They keep saying legal department will tell me at Lendmark. They won't even send me a bill. They said they don't know if I pay judge or them. They want their money. They won't contact ex. They won't change the status to closed on credit report and it just updated XXXX to say that is a new auto loan. They also told me that I have to call different numbers always. I call one and pay then they say here call this one. When I did pay XXXX the XXXX and XXXX the XXXX they said that they weren't sure but they may have to refund it.

6. Banker today laughed when I said I work for the government and need this cleared up. He said I was nothing. I swear the insults are bad as their illegal banking.

7. Proof of payment that they claim they may have to refund because it is charged off and they are taking it illegally
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Name is XXXX XXXX and my company name is " XXXX XXXX XXXX '' I opened a small business checking account in Bank of America and after opened checking account closed forcefully with Fraudulent transactions happend in your account and they are not returned deposited money since two months sofar, It's large amount we kept for Closing one of our property while we are buying and now our closing not happend because of this incident, We have been calling Claims department every week, No proper response about the funds they hold, Please return our money ( {$160000.00} ) date holds funds on XX/XX/2022 and account closed on XX/XX/2022.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capitol One credit card account furnished fraudulent information against my consumer credit report regarding a Canceled and/or Charged Off debt. 

IRS clearly defines canceled and/or Charge Offs as Ordinary and Gross Income which must be filed with Income tax. 

The Capitol One credit card account was canceled and/or charged off around 2017 by the Creditor as written on my consumer credit report but taxable 1099-C Form for canceled debts and charge Offs submission by the Creditor to the IRS has not been verified or proven. Unverifiable accounts must be deleted.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting Act 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE