davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights 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 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-09-11
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. (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-06-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Credit Acceptance, LLC (NM)

My current wife recieved a call on her cell phone from a restricted number asking about me. They informed her they were with the county service department and that they needed XXXX to call the civil lawsuit division of our county for more information regarding a lawsuit against the BOTH of us. the number they provided was XXXX and stated we needed to give them his name and they could provide court details. My wife then called me and the number they provided for the XXXX county civil division courthouse '' and it went to American credit acceptance line. My wife and I got married just over a year ago and this debt was from almost 10 years ago. I never provided them her information and I never gave them consent to call her. I was under the impression this was resolved and closed years ago. They stated that my wife and I were being sued for the " XXXX '' I purchased. I would like to reiterate I have not spoken to anyone regarding this in easily 7+ years. They pretended to be legal service departments with XXXX county and they were not. I am in the process of getting into the police department here and had all of my files pulled as well as went down to the courthouse to confirm none of what they said was true and at this point no lawsuit has been filed. They used aggressive collecting as a way to try to get my wife to pay something we do not owe.
Consumer complaint received 2022-07-13
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  has violated my rights 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 2023-02-07
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. (GA)

Why are you indicating that XXXX XXXX XXXX # XXXX is late both in XX/XX/2022 & XX/XX/2022. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2023, someone opened an Bank of America XXXX XXXX Banking Account under my name, without my permission. 
This is the second time this happened. 
And it got approved this time. 
When I called the fraud department, they start to argue with me over the phone.
Consumer complaint received 2022-07-13
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)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-09-03
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. (CA)

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ALL NEGATIVE ACCOUNTS LISTED BELOW 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 2022-06-30
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. (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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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. 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 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-06-30
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. (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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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. 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 60days 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 21 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  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-02
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. (MO)

On XX/XX/2022 I sent Experian a letter requesting what method you used to verify the bankruptcy on my credit report. On XX/XX/2022 they responded with them have verified it with XXXX. On XX/XX/2022 I sent them documents from XXXX showing bankruptcy removed and was no longer in their Accurint Database. I also sent a document from the courthouse showing that they dont communicate with the credit bureaus and no bankruptcy in my name.
Consumer complaint received 2022-07-13
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. (IL)

I received an alert from XXXX protect my ID and this company came up on my credit report stating that I owe {$2100.00} and I did not open an account and this account has been open since XXXX the XXXXXXXX XXXX and now they just put it on my credit report XX/XX/2022 and it's delinquent by a month I have never received any information regarding this. XXXX did 3 way call today @ XXXX and spoke with XXXX he can't find my information the person at XXXX gave him the account number that they reported to the credit bureau they still can't find me so this is why I am filing a complaint for fraud on my credit report I don't know who this company is they can't find my information that was given to them.
Consumer complaint received 2022-09-03
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. (NY)

According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.
Consumer complaint received 2022-09-03
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. (IL)

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX  XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00}
Consumer complaint received 2022-07-13
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. (NJ)

My current address is XXXX XXXX XXXX XXXX NJ XXXX all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I am filing a complaint against HSBC for failing to fulfill a promotional offer related to their Premier checking and Premier Relationship Savings accounts. 
I was informed by HSBC that I would qualify for the promotion as long as I applied on or before XX/XX/year>. Based on this information, I applied for an HSBC Premier checking account and an HSBC Premier Relationship Savings account on XX/XX/XXXX and XX/XX/year>, respectively. My accounts were opened on XX/XX/year>, and I promptly funded them as required by the promotion. 
Despite meeting all the promotional requirements, I have not received the promised {$1500.00} cash bonus. I have contacted HSBC multiple times and received conflicting responses. I was told that more time was needed to process my payment, and on another occasion, I was informed that I was not qualified because my accounts were opened after the XX/XX/XXXX deadline. 
These conflicting explanations are both confusing and frustrating, especially since I complied with all the terms and conditions of the promotion. I believe that HSBC has failed to honor their commitment, and I request your organization 's assistance in resolving this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that HSBC fulfills their promotional promise. 
Sincerely,
Consumer complaint received 2020-05-17
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 have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX  girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!