davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Ive sent a letter to the the Three major credit bureaus ( XXXX, Equifax and XXXX ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an violent assault resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. XXXXXXXX, XXXX and XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-04-18
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. (NJ)

I got a XXXX  XXXX inquiry on my Transunion credit report that I did not authorize. I have called Transunion and they dry refused to remove the hard inquiry off my account. This is unfair and I am a victim of fraud. Please remove this inquiry off not Transunion immediately.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There have multiple changes and errors my credit report and there is not a complete accuracy of payments across all three credit bureaus. I have made multiple attempts to correct this error, however there is no other suitable solution.
Consumer complaint received 2022-08-22
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2022-08-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (UT)

RE : Account # XXXX AND Account # XXXX. According to the documents you provided, these alleged debts have reached the statute of limitations. You did not provide any proof to contradict this statement that these alledged debts have reach the statute of limitations in your response to my CFPB complaint XXXX on XX/XX/2022. If these alledged debts are reported to any credit reporting agency they must be removed immediately. Should you report these alledged time barred debt to any credit reporting agency after today, XX/XX/2022, I will file a lawsuit against you with a consumer protection attorney. Do not attempt to contact me or anyone I know regarding these alledged time barred debts. Thank you.
Consumer complaint received 2022-03-22
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. (IA)

XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particular car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! 
They let my credit be ran over 20 different times! 
I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over XXXX in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over XXXX. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn my car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I have an Amex XXXX Brilliant credit card which allows {$300.00} credits per year for charges made in XXXX property. The website says this benefit is for every membership year, which implies that the credits refresh every year that the membership fee is accessed. When I contacted Amex representatives, they also told me the same. The membership year refreshes when the annual fee is accessed, and I was told my membership fee would be charged on XX/XX/XXXX. So I made a charge for XXXX XXXX on XX/XX/XXXX for {$370.00}, hoping that it used the {$300.00} credits allowance for that year, and I thought after XX/XX/XXXX, I would get another {$300.00} credits for the next year. However, on XX/XX/XXXX the Amex representative told me the charge made on XX/XX/XXXX was already for the new year, because my account was approved on XX/XX/XXXX, so the benefits refreshed on XX/XX/XXXX. And because the charge was after XX/XX/XXXX, so it fell into the next year. Amex could not reimburse another {$300.00} for the new year. This is unfair to me for the following reasons : 1. Amex is not transparent about when the {$300.00} credits refresh. When they talk about membership year, they don't explain what it means. The representatives have contradictive explanations : ( 1 ) when the membership fee is accessed ( 2 ) the approval date. It is very confusing for customers to time the credits to use. 2. Amex does not alert its customers about the expiration of credits. They intentionally don't alert their customers so that the customers can forget. 1. Amex did not notify its customers when the {$300.00} credits would expire.
Consumer complaint received 2022-08-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In accordance with a fair credit reporting act [ XXXX # XXXX, TXXXX XXXX XXXX XXXX, PORTFOLIO RC # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
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. (MO)

I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IN)

I have had multiple calls in XXXX, where I explained I was without a job and looking for more work. I do have cards that were open and I was trying to pay them down but with the part time job I have Im struggling to stay afloat now. The company seemed to want to work with me. Then I started to get the auto-dial calls where I would answer and then it be silent for about 10-15 seconds then someone would be there. So I stopped answering. Then today I get a voicemail when I come out of a interview and Im being told in the voicemail I need to get a lawyer and if I dont have one they will help I wish I done my research before going with this company, because there are thousands of reviews on them doing the same thing to other people.
Consumer complaint received 2022-06-14
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 XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to 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 2022-08-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I contacted XXXX XXXX on XX/XX/2022 in regards to my XXXX installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with COVID omicron here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a XXXX named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that XXXX out of my XXXX payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to XXXX ). She then put me on hold to talk to her XXXX and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to XXXX ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX XXXX said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted XXXX XXXX on XX/XX/2022 in regards to my 2 installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with XXXX XXXX here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a Supervisor named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that 1 out of my 2 payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to Spam ). She then put me on hold to talk to her manager and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to 1hr ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX basic said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not tre
at a payment on a credit card account under an open end consumer credit plan as late for any purpos
e
Consumer complaint received 2022-08-22
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. (TX)

I have reached out to XXXX, Experian and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on my credit reports.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to XXXX, XXXX and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on my credit reports.
Consumer complaint received 2022-08-22
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$89.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2022-08-22
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)

On XX/XX/2022 I a federal protected Consumer/ natural person non fictitious entity initiated what I believed was a consumer credit agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 
At approximately XXXX XXXX est. Experian Credit Reporting Agency furnished a deceptive misleading report ( credit reporting is voluntary ) and OR score that has not been mandated by Congress OR my BILL OF RIGHTS and the CONSTITUTION to be a determining factor for a lender to grant extension of credit as its My Federal Right pursuant to the TILA 15 usc 1602f.

1 ) pursuant to 15 usc 1602g I am the Person who regularly extends ( give life ) credit by initiation inconnection with All open-end credit plans involving my credit card ( 15 usc 1602 ( L ) that I came into the transaction with as the cardholder ( 15 usc 1602n ) and the originator of the DEBT OBLIGATION reserving the Right to defer its payment by transferring its obligations through the system put in place to protect the Truth In Commerce pursuant to 18 usc 8 obligations and securitys belonging to the United States . ( Without Pejudice All rights reserved ucc 1-308 ) XXXX XXXX XXXX XXXX are in direct violation of federal law 15 usc 1602p Unauthorized Use of my Federal Comsumer credit card when they received benefits from its use and I the natural person/beneficiary did not receive benefits by the trustees deception.

Experian violated its Vital Role it has Assumed in protection of my privacy and my private information, being compliant to federal mandates to furnish fair, impartial, non factual and accurate information as it relates to the consumer. Adverse action pursuant to 15 usc 1691d Equal Credit Opportunity Act never mention denial of extensions of credit to the consumer.

I request that the Bureau force XXXX XXXX XXXX XXXX to comply with my Bill of Rights and the Constitution law and title 15 Truth in lending Act, Equal Credit Opportunity Act And my Rights protected pursuant to UCC 1-308
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In Accordance with the fair Credit reporting act several companies have violated my rights. 15 USC section 602a states i have the right to privacy and 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX