davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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 Account ( car loan, credit card and hard inquires are listed below ), 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 XXXX XXXX XXXX Account info Account number XXXX Account status Closed Date opened XX/XX/2019 Account type XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only XXXX XXXX  Account info Account number XXXX Status Charge-off Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number ( XXXX ) XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX there are XXXX of these reporting on my credit report XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number ( XXXX ) XXXX there XXXX of these reporting on my credit report XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number XXXX XXXX ) XXXX there XXXX of these reporting on my credit report XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number XXXX XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX XXXX XXXX there are XXXX of these reporting on my credit report XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-07-19
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. (NV)

In accordance with the Fair Credit Reporting act 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. 
The following Accounts XXXX XXXX XXXX Balance- {$1600.00}
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF EDXXXX XXXXXX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (MD)

I initiated a balance transfer from my Barclays credit card and received the funds. When I checked the card several weeks later, I found I was over my limit and the cause was I was charged both the balance transfer amount as well as the fee associated with the balance transfer twice. I called Barclays and reported the issue and they found that I was indeed billed twice and it would be 3-5 business days to resolve the issue. After 3 business days, they reported to the credit bureau that my account was over drawn. I called back and spoke to a supervisor and was told that it would now be 6-8 weeks to resolve the issue and when asking about a more direct resolution, I was hung up on. I called back again and was told this was a " known issue '' effecting numerous customers and that the first agent did not put the " proper notations on the ticket that was submitted '' but now that has been submitted correctly. They have no idea how long it will take to fix the issue or remove the incorrect information from my credit report.
Consumer complaint received 2022-07-16
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, the following companies have violated my rights : XXXX XXXX XXXX, XXXX XXXX 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 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted Experian multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion and XXXX are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXXXXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for XXXX to remove XXXXXXXX XXXX  and XXXX. I've made several phone calls to attempt to have this matter resolved, but XXXX is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I am writing to file a complaint against both Macy 's and XXXX XXXX regarding a late payment that has been falsely reported on my credit report. I have been in contact with XXXX 's since XX/XX/2022 to resolve this issue, and have been repeatedly reassured that the late payment would be removed from my report. 

Despite these assurances, the late payment has not been removed from my credit report, and I am extremely concerned about the impact this could have on my credit score and overall financial health. I have made multiple attempts to contact Macy 's to address this issue, but have not received a satisfactory resolution. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that both parties remove the inaccurate late payment from my credit report. 

Thank you for your attention to this matter. I look forward to hearing back from the CFPB regarding the resolution of this issue.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I made my monthly payment for my Chase credit card for roughly {$3500.00}. After making that payment, I enrolled in automatic monthly payments. Chase then deducted XXXX payments from my Checking account for a total of about {$7000.00}. Chase argues this was my liability because I signed up for automatic payments after making my monthly payment. I did not have the funds for XXXX payments at the time, and my bank charged me an Insufficient Funds Fee. 

After contacting Chase, they refused to reimburse me for the Insufficient Funds Fee from my Checking account. Instead they said they would send me a check for the now negative negative balance on my credit card. Therefore, the XXXX payments that posted can not be rectified for their system mistakingly posting multiple withdrawals to my Checking account and the Insufficient Funds Fee is my liability.
Consumer complaint received 2022-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (FL)

Consumer Financial Protection Bureau My Rights Have been Violated I extended credit to XXXX for a XXXX Vehicle which was done on a Retail Installment Contract in 2018. Studying Truth In Lending Act I now realized my rights have been violated and this has caused me financial stress as well as financial hardships. 

. This car dealership has taken my open-end credit utilizing my social security card and sold it to American Credit Acceptance . I am not a borrower, I am the Original Creditor and the Lender, and the dealer misled me to believe that they were extending me a line of credit as the borrower. My Security Interest secured this obligation even before the car was pulled off the lot. 

Pursuant to Us Code 1692 This retail Installment Contract is deceptive and unfair and operated under the FDCPA, this grave error has caused a financial burden on my family as well as my marital instability. American Credit Acceptance has allegedly obligated me to be responsible for this debt.

The Cash Price of the Vehicle was {$19000.00} with fees associated increased to {$21000.00} with a cash down payment of {$1100.00}. I have made over {$19000.00} dollars and this company is requesting I continue to pay {$20000.00} more. 

I have received multiple calls and letters, and this has caused me complete embarrassment. 

Pursuant to FDCPA 1692 ( a ) ( 8 ) A Consumer has jurisdiction over everything.

As Follows Pursuant to 15 USC 1692 d My Consumer rights cont. : to be violated, A debt collector in collecting a debt, may not harass, oppress, or abuse any person 1.Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. 

2. The use of Obscene, Profane, or other language that abuses the hearer or reader 3. Annoy, abuse or harass persons by repeatedly calling their telephone number or allowing their telephones to ring continually.

These are just a few Violations of my Consumer rights.

In Closing Thank you for taking the time to read my request.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc. (WA)

I received a phone call from Audit Adjustment on XX/XX/XXXX stating that I owed for an electric bill that I had just paid via check on XX/XX/XXXX directly to XXXX XXXX XXXX. I have the cancelled check that was cashed by XXXXXXXX XXXX XXXX on XX/XX/XXXX this check was endorsed only to XXXX XXXX XXXX. The caller stated that I owed almost {$700.00} more than what my electric bill was. I was very confused by 1 ) the amount and 2 ) Why they were calling me since I had already paid it. I confirmed the amount of my final invoice and thought that the phone call was perhaps a scam. I have one letter dated XX/XX/XXXX from Audit Adjustment stating that I paid them for the electric bill on XX/XX/XXXX. I did no such thing- so this statement from them is untrue. This first written communication was sent more than a month after my bill with XXXX was already paid.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (SC)

Originally, I financed a XXXX XXXX accent for {$13000.00} in XXXX of XXXX. The company is CNAC/JD Byrider. I was in a bad financial situation and at the time, could afford the car. The car is valued at {$3000.00} per XXXX. I have had numerous harassing calls and emails ( 2-3 ) times each. The company, CNAC, has sent someone out to my house one a week for the last three weeks banging on my door, sitting in the driveway honking for 5 minutes straight. In addition, they call each of my references each day of the week 2-3 times. The staff has been unreasonably disrespectful each time I call. I am paying for some sort of collateral insurance every two weeks with adds an additional {$100.00} to the car payment although I have full coverage insurance on the car, which was submitted to them months ago. I am paying $ 430 monthly, about {$210.00} biweekly, for this car. They've threatened to repossess it numerous times. I will explain a situation and they refuse stating " there is no grace period. '' I changed jobs in XXXX of XXXX and informed the company of my new payment schedule. They never changed it. They attempt taking automated payments out of the account without my consent. Prior to the XXXX  manager switching, I never had this problem. I would call on the due date of the car and make the payment. This company has taken too much money from me and harassed myself and family members. I recently left my place of employment and begun looking for a new job. Still, this company continues to harass every day. They are far more concerned with money rather than the consumer. 

I have paid around {$3500.00} on the car, yet somehow owe {$12000.00}. The interest rate is far too high on the car as well. It is getting to the point i will not be able to make payments.
Consumer complaint received 2023-02-16
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

THIS IS NOT DUPLICATE REPORT. 
Experian is inaccurately violating the FTC Section 605a,4, ( c ) .Reporting multiple charge off start dates ( XX/XX/XXXX, XX/XX/XXXX ) and recording a payment being falsely made in XX/XX/XXXX deceitfully extending the FTC XXXX XXXX to XXXX causing Experian to violate FTC XXXX. I informed Experian of these violations of the illegal reporting and all they did was update balances date which illegally extends the Virginia 8.3A-118. Statute of limitations.This account has been updated XXXX times over the past XXXX  years which has illegally kept my account forever in statue of limitation range by not starting statue of limitations timer which is a violation of my consumer rights.This is standard illegal practice among unsuspecting consumers and needs to be corrected immediately. Exeprian actively knew the information was false and tried to update this information inaccurately.
Consumer complaint received 2023-02-16
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00}.
Consumer complaint received 2022-07-16
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. (NY)

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2023-02-16
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022