davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
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. (NV)

In reference to complaint # XXXX I received notification that this was a duplicate complaint. It's not a duplicate complaint because I have provided all of the information that was REPORTING INACCURATELY with XXXX XXXX XXXX XXXX. I have sent a dispute to the company and they have failed to respond to me. It has been well over 30 days. Nor have I received a response from Experian. XXXX and XXXX just updated the information but they have not stated why the information was updated especially if the account is closed, how can it be updated? Nor was that the reason for my dispute! 

What was the method used to verify that I was the owner of the accounts listed, and how were they able to update the information to MY personal credit profile? WHERE IS THE PROOF I REQUESTED? Why hasn't it been sent to me as I requested? 

Each day your company refuses to properly investigate this company and the incorrect items they are reporting, is causing me stress. Im asking you for probably the 10th time to please re-investigate the negative accounts that XXXX XXXX XXXX XXXX is reporting. 

How is this right that on each credit bureau they are able to report inaccurate information to my personal credit profile and reports? 

What are your methods to verify the accounts reported and the company reporting? Can you please provide them to me? If not they need to be removed immediately!
Consumer complaint received 2022-06-10
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. (WY)

XX/XX/XXXX, purchased a lease from XXXX XXXX XXXX. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my XXXX acct. i notified XXXX XXXX XXXX  that I was currently waiting on a new vehicle from XXXX, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXXXXXX XXXX  purchased the lease from me, paying off XXXX XXXX XXXX the remaining owed ( {$31000.00} ) from the payoff received from XXXX XXXX XXXX, that day. Sometime in between those dates- XXXX XXXX, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from XXXXXXXX XXXX XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti XXXX to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While XXXX is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from Experian ( I monitor my credit ) that as of today, XXXX XXXX XXXX reported my account XXXX days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called XXXX the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with XXXX XXXX XXXX, Experian and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to XXXX XXXX XXXX, reporting incorrect information.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WY)

XX/XX/XXXX, purchased a lease from Toyota Motor credit. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my Toyota acct. i notified Toyota Motor credit that I was currently waiting on a new vehicle from Toyota, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXX XXXX purchased the lease from me, paying off Toyota motor credit the remaining owed ( {$31000.00} ) from the payoff received from Toyota Motor credit, that day. Sometime in between those dates- Toyota credit, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from Toyota credit, XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti TFS to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While TFS is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from XXXX ( I monitor my credit ) that as of today, Toyota Motor credit reported my account 30 days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called TFS the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with Toyota Motor Credit, XXXX and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to Toyota Motor Credit, reporting incorrect information.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have now realized that the same item was REINSERTED onto my credit report. 

XXXX XXXX Account # XXXX In accordance with the requirements of the FCRA section 611 ( 15 U.S.C.S 1681i ) ( 5 ) ( B ) ( iii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material ( ii ) notice to consumer. If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 days after the reinsertion. I have received no such notification, this is a serious violation of the FCRA. I demand you DELETE this account from my credit report IMMEDIATELY.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. 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 an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent letter to XXXX and TransUnion to remove an inaccurate account on my credit report from XXXX # XXXX for violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Also, on XX/XX/2022 I sent letter to XXXX XXXX XXXX this inaccurate account on my credit report, but they stated it was sold to XXXX XXXX XXXX I then sent XXXX XXXX a letter on XX/XX/2022 and they stated they no longer attempt to collect. MY QUESTION NOW IS " WHO OWN THIS ACCOUNT and WHY XXXX XXXXXXXX, TRANSUNION CONTINUES XXXX REPORT IT ON MY CREDIT REPORT ''. If XXXX sold the account to XXXX XXXX, then XXXX no longer owns the account. So if XXXX XXXX is new owner of this account and they no longer attempt to collect THEN REMOVE THIS FRUAD ACCOUNT FROM MY CREDIT REPORT ASAP.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Consumer complaint received 2022-06-10
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. (CA)

On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my XXXX  account number XXXX and reporting 2 Bankruptcies on my Transunion report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX - XX/XX/2021
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, DISCOVER BANK, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. 
However, I have not provided DISCOVER BANK or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by DISCOVER BANK.

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NJ)

I have called and emailed repeatedly asking Chase to honor the terms of the balance liquidation agreement. Each time I speak to them I receive a different answer. They are reporting my account as 30 and 60 days late even tho payments are not over 30 days late. I have repeatedly requested to be sent the terms of this agreement which they have refused to mail and when then attempt to send it in the message center they send a corrupt link that can not be opened. I have been attempting to clarify this for over 90 days with no success.
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IA)

My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund about a month and a half ago and their processing time is 6 months thats ridiculously long while most loan services have a turn around time of 30 days. I feel like EdFinancial are lying and dont want people to get their refunds back. It shouldnt take that long. This is just ridiculous.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : 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 acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. XXXX XXXX charge off shall be removed from all consumer reporting agencies reports immediately.
Consumer complaint received 2022-06-10
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. (TX)

On XX/XX/2022 I sent a letter to credit reporting agencies Experian and XXXX. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes.

2 ). CRAs include XXXX, Experian, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history.

5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship
Consumer complaint received 2022-06-10
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 the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 15 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 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 1693 2 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 caller number