davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (NC)

n 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 2022-06-25
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (IL)

On XX/XX/2021, I went to XXXX XXXX XXXX XXXX, XXXX XXXX and got a rental vehicle from XXXX XXXX moving Department of Defense equipment . I got a rental XXXX from the air port at XXXX EST. I returned the rental XXXX to an XXXX in XXXX PA. The cost of the rental was XXXX. Before my trip to XXXX I requested a rental through enterprise prior to my arrival. When I got to the XXXX  at XXXX they tried to give me a car, but I told the personnel there that I requested a XXXX prior to my arrival. The customer agent at that time gave me the XXXX. XXXX alleges that I never picked up a car that I reserved. I did pick up a XXXX, however, I believe the personnel at XXXX failed to pull up my reservation. They have sent a charge for {$640.00} to collection. XXXX bank did an investigation for this charge and said that they will not pay for the charge because it is duplicate and XXXX has failed to ensure they gave me the right rental when XXXX cam to pick up a rental vehicle. I have all receipts, communications with XXXX bank, and my Defense Travel System orders to prove that I picked up a rental, paid for a rental, and returned a rental vehicle. I also have XXXX rebuttal saying that there was no duplicate charge. XXXX  gross negligence to research this issue and resolve is borderline harassment at this point due to the use of a collection agency.
Consumer complaint received 2022-06-08
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 XXXX  Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXXXXXX XXXX XXXX Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education 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 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I've had money taken out of my account, use it to buy things online, restaurants, booking a flight tickets, etc. I'm a XXXX XXXX being on the road for hours, so earlier today I wanted to buy food and my card got declined, called truist and they told me they blocked my card, because they believe whatever money I've disputed was used by me. They said my ip address matches my address to where I purchased. I asked them to provide all of that because I have proof of my location from my truck driving.
Consumer complaint received 2022-12-01
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. (MO)

Im accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USU 1681 Account name/ number - XXXXXXXX XXXX 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 1681c. ( A ) ( 5 ) section states : no consumer report agency may make any consumer report containing any of the following items of information any other adverse item information other than records of conviction of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

this account was sent to collections in XXXX  and then bought by this debt collector stating it was opened in XXXX which they re-aged to make it look recent and stating I owe {$870.00} which it was only like {$450.00}. This account should have been off my credit after so long since XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX, {$620.00} Representative stated to me that they will remove this incorrect balance because of hardship due to Covid 19. Rep also stated that they will remove missed payments as agreed to a payment plan
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (SC)

Chime would not remove an unauthorized transaction. The dispute department initially dropped the ball and did not process the dispute in XX/XX/XXXX. It was only after I reached out ( in XXXX ) to the dispute department to receive an update, that I was made aware that the rebuttal wasn't completed. Though I received an email ( XX/XX/XXXX ) from XXXX of the dispute team acknowledging my documentation ( that was asked for ) was received and that the rebuttal would be in process for up to 90 days. I did not receive nor was offered provisional credit or insight. I have spoken with over 6 reps that have processed over several rebuttals and each came back with computer generated denials. The requested information provided by the rep, that actually discovered that a rebuttal was never submitted, provided a decision based on money transferring. This is something that I do frequently after my deposits to pay my recurring bills. The unauthorized transaction from XXXX XXXX is not a merchant I have ever paid to nor aware of whom it is. I was issued another debit card from Chime, yet they kept denying the dispute/rebuttal. I want the {$550.00} refunded back to my account. I demanded a response from the supervisory level to assist in this ordeal. The generic automated denial response is unacceptable. The transaction happen on XX/XX/XXXX {$550.00}.
Consumer complaint received 2022-12-01
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. (VA)

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS! 
I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Consumer complaint received 2022-12-01
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. (CA)

Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, EXPERIAN, XXXX, AND XXXX are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Pursuant to 18 usc 8, I owe no debt. This company is violating my right to privacy pursuant to 15 usc 1681 b 2. Company has also NO permission to report ANYTHING using my information pursuant to 15 usc 1681 4.
Consumer complaint received 2024-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

Google and its employees are actively engaged in an effort to defraud me of my owed financial compensation. This compensation is owed to me by the U.S. government as restitution for damages caused during a security clearance investigation. Google, numerous times now has done the following to me on several individual accounts that I have made on their platform : -Made me unable to access my email and set my email 's reset method as 'recover by email using the very email address you can not access ' -Made me unable to use Google Pay to pay for services such as Google XXXX. 
-Deleted key evidence from my Google XXXX that I could use to protect myself from the XXXX XXXX effort that they are complicit in. 

Google is actively engaging in an effort to rob me of my owed compensation. They are actively taking advantage of their access to my information, financial payment authorizations, and evidence to further their effort of XXXX XXXX me.
Consumer complaint received 2022-06-07
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

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

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

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

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

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

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

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

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 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 2022-06-07
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. (NV)

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX  XXXX, has violated my rights. 15 U.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C 1618 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

Navient has delayed the process of me applying for direct consolidated loan with XXXX. Advantage stated they requested payoff information from Navient and only received the subsidized amount. They have requested both the subsidized and unsubsidized payoff amounts. This has created a delay in the process and we are now months into the process. This has resulted in Navient being able to reinstate my payments that were in forbearance without notice which has resulted in past due status of my account. This also jeopardizes my eligibility for my PSLF application. This is unfair and unjust and Navient should answer.
Consumer complaint received 2022-12-01
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (MI)

In accordance with the fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX, two accounts DEPT OF EDUCATIONXXXX # XXXX, two accounts XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXXC # 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 2022-09-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC (IL)

I received a call this morning ( XX/XX/XXXX ) from someone claiming to be a debt collector from Sunset Solutions Group, after this person had already called both my parents, my sister and my grandfather. They stated that they have been trying to get ahold of me to notify me that judgement would be taking against me and that I will be taken to court for 4 outstanding debts with payday loan companies that I have never previously heard of. I have never put down my sister or Grandfather as a reference on any sort of application. When I asked the representative for a date when these loans were taken out she said she couldn't tell me a date but that they were charged of in XXXX, so they had to have been taken out awhile before that. When I repeated that I have no idea what these companies are and have never even heard of them, she had all of my personal information and stated that I had to have filled out these applications in person because it was all on there, so I was responsible for these debts. Each loan was in the amount of {$500.00} for a total of {$2000.00} owed. She stated I had 3 {$500.00} loans out with XXXX XXXX and another {$500.00} loan with XXXX XXXX XXXX. When I looked up XXXX XXXX, it showed a physical location out in XXXX XXXX but the image showed XXXX XXXX XXXX. I tried to call the number listed but it was just a voice recording and the only option I was able to press was to continue in English, and then the line would disconnect. When I looked up XXXX XXXX XXXX, I found multiple complaints from other people stating they had debt collectors calling to collect for a loan they had never taken out and had never hear of XXXX XXXX XXXX. When I went to their website, there is a big notice on the front page of the website that states " Fraud Alert- Be Aware Of Scamming Collection Agencies Using The Name XXXX To Try To Collect Money. XXXX Is Not A Lender And Does Not Report To Credit Agencies So You Do Not Owe XXXX Any Money. We Are Only An Advertising Agency In The Financial Sector. If Some Company Calls Or Emails You Saying You Owe XXXX  Money Its Not True And Report Them To The CFPB Or FTC For Fraud. '' Also, when I went to look up the Sunset Solutions Group phone number, the phone number listed was not anywhere close to the phone number that I received the call from ( XXXX ). She also stated that these companies have been trying to get ahold of me via phone, never received any such phone calls, and by email and when I asked what email they were being sent to, it was an email address that was my first and last name but I have never had any such email address my entire life. When I asked what employer they had down for me, while the employer was similar in name to my actual employer, it was not the correct name.