davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I sent Equifax the following : Re : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Alleged Original Creditor : XXXX  XXXX XXXX XXXX Alleged Account Number : # - XXXX Alleged Debt Amount or Balance : {$3000.00} Dear Equifax : On XX/XX/XXXX, as evidenced by a certified mail return receipt, you received a letter from me disputing an alleged debt owed to XXXX XXXX XXXX XXXX a debt collector. In said letter, I requested physical verification of the original signed consumer contract. You failed to provide any verification, specifically physical verification of the debt ( original signed consumer contract. In response to my request, you sent a letter alleging you verified the debt. In addition, you updated the account of alleged debt owed. You allege this unverified debt was reported to you XX/XX/XXXX. According to the credit file in my possession, the alleged debt was reported to you in XX/XX/XXXX. In addition, according to the credit file in my possession, the account number of the alleged debt ends in XXXX. In the response to my debt validation request, you allege the account number ends in XXXX. I have not received validation of the debt from you or the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my Signature on it ) you have on file of the account listed above. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed above. You are hereby notified that I have filed a complaint with the Consumer Financial Protection Bureau and civil claims may be pursued.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

My mortgage with Shell Point Mortgage was sold to another company more than a year ago. On XX/XX/2022 I emailed Shellpoint and asked them to update my credit report to show that the mortgage was closed. It's been almost 3 months without a reply from them and the mortgage accountstill appears opne on my credit report.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information. 
i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 Section 602A States I Have the right to Privacy. 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 115 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Im Writing in reference to the aforementioned accounts and transactions. My Car Was Claimed Repossessed By ( XXXX XXXX ) in the State of Florida around XX/XX/XXXX & XX/XX/XXXX A Deficiency can not be claimed under the laws of the ( UCC 9 ) And State XXXX and XXXX statutes unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Those Repossesions Are inaccurate and reporting incorrectly to my credit report! WHEN I DISPUTED WITH THE CREDIT BUREAUS XXXX  XXXX XXXX FORGED MY SIGNATURE ON SOME FAKE PAPER WORK TO VERIFY IT ALSO THAT IS AGGRAVATED IDENTITY THEFT These crimes constitute AGGRAVATED IDENTITY THEFT under 18 USC 1028A. They deliberately transferred, possessed and used my identity without my consent, a felony punishable by up to 2 years in prison and civil liability. IM ANGRY THIS IS AFFECTING MY CREDIT SCORE AND IS HOLDING ME BACK I AM THE TYPE OF PERSON TO PAY MY BILLS ON TIME AND SOMETIMES I PAY MORE THAN I WAS SUPPOSE TO! PLEASE GET THESE INACCURATE REPOSSESIONS REMOVED ASAP!
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Account was opened on XX/XX/XXXX Terms of promotion are Card Members who apply through this offer and are approved for the XXXX XXXX XXXX can earn XXXX Membership Rewards points after spending {$15000.00} in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership starting from the date of account is approved. 

Eligible purchases is defined in XXXX & XXXX 's as " Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. '' No purchases outlined below fall outside eligible purchases categorization. 

In my first 92 days I spent {$16000.00}, saw {$690.00} in fees, had {$87.00} of returns, had credits/offers of {$260.00} - XX/XX/XXXX statement - {$8800.00} spend, {$690.00} fees, {$0.00} returns, {$0.00} credits/offers - XX/XX/XXXX statement - {$6700.00} spend, {$0.00} in fees, {$9.00} returns, {$250.00} in credits/offers - XX/XX/XXXX statement - {$950.00} spend, {$0.00} in fees, {$78.00} returns, {$0.00} in credits/offers - Between XX/XX/XXXX and XXXX - {$170.00} spend, {$0.00} fees, {$0.00} returns, {$15.00} in credits/offers I contacted AMEX on four occasions via chat to inquire about enforcement of this promotion on : - XX/XX/XXXX - inquired about having satisfied the welcome bonus. Was advised " I can see that you have met the spending threshold and bonus points will be automatically credited as per the offer terms. '' - XXXX - was told " I am opening an investigation on the account, so that our backend team will review details an update spending towards welcome bonus offer ''. Escalated and was told I would be contacted in XXXX days. 
- XX/XX/XXXX - was told " It is a known issue, the offer is not showing but you are eligible for the welcome bonus ''. " Our team is working on the issue. '' - XX/XX/XXXX - was told " the status of the bonus is not available on our end but I akready created a case for escalation, so we can follow up on this. '' Additionally, I had contacted AMEX by phone once in XXXX where I was informed there is a nondescript issue with bonus offers and all should be resolved by end of month, provided an escalated case number, etc. 

As I am planning travel in XXXX, and a factor in securing this card and spending nearly $ XXXX was to leverage AMEX points for this travel. 

Attached are my statements evidencing over $ XXXX in purchase transactions within offer terms.
Consumer complaint received 2022-02-07
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. (NY)

A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.
Consumer complaint received 2022-05-31
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. (NY)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-19
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. (TX)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 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 2022-05-31
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 Georgia XXXX XXXX Account # 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 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.XXXX  XXXX 2.XXXX  XXXX
Consumer complaint received 2023-01-12
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. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXX times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the fair credit reporting act XXXX  XXXX/ 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 a account without my written instructions.
Consumer complaint received 2022-06-19
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)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2022-06-18
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. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXXXXXX account numbers XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account 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 States that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish in account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan is late for any purpose.