davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (MO)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC (NY)

This company is trying to collect a debt i allegedly owe. Ask to be provided with validation of debt and company failed to do so violating my rights as a consumer. Violated my rights under 15 U.S. Code 1692e ( 11 ) and also 15 U.S. Code 1692 ( b ) Sec. 2. As well as 15 U.S. Code 1681b
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC. (FL)

I, XXXX XXXX, Consumer, have sent a notice to Santander Consumer USA Inc, including an invoice of {$61000.00} via Consumer Finance Protection Bureau ( CFPB ) and the notice and invoice shall not be construed for any reason or any purpose at anytime. If Santander Consumer USA Inc, willfully fail to comply with my written instructions, I will have no choice but to file a lawsuit in Federal District Court with Prejudice! This notice shall take effect immediately! 
ALL RIGHTS RESERVED!
Consumer complaint received 2022-11-22
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. (CA)

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts 5+ different institutions. 

I have locked all my credit bureaus.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, XXXX and TransUnion. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, XXXX and TransUnion failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. TransUnion only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Consumer complaint received 2022-09-19
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. (FL)

In accordance with the Fair Credit Reporting Act the reporting of the following accounts have violated my rights. 
XXXX. XXXX XXXX opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

Per - 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 2023-03-25
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: EQUIFAX, INC. (TX)

This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Consumer complaint received 2022-08-18
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. (MS)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2022-09-19
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. (MD)

I'm filing this complaint against Experian for lack of investigation regarding my credit report. Inquries US SM BUS ADmin XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account paid and closed, US Dept of ED XXXX account paid and closed, Bankrupty that is on my account, XXXX XXXX accounts stating that I have a debt of over {$50000.00} dollars. 15 USC 1681 602A Section 2 states I have the right to privacy. 15 USC 1681 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. Experian is using an automated system the company has not done a property investigation. E-Oscar is automated. The items that I have listed need to be removed asap.
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have disputed this capitalone Walmart card on XX/XX/2022, XX/XX/2022 in XXXX has refused dispute or delete this account. I asked for capitalone and XXXX to send a signed contract and I have not received anything!
Consumer complaint received 2023-03-25
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX, I discovered that someone had been utilizing my debit card at a mall in a location that I was not near. I was out of state at the time. The total was {$900.00} worth of merchandise. I of course reached out to my bank who denied my claim for fraudulent charges and then closed my account fot violating the terms of agreement. I submitted documentation that I had been nowhere in the area, actual receipts with address on them. I was told not to contact them again about the issue.
Consumer complaint received 2022-09-19
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: Stern Recovery Services, Inc. (NC)

STERN RECOVERY SERVICES IS REPORTING AND TRYING TO COLLECTED ON A FRAUD ACCOUNT. FIRST HEALTH HAS KNOWN AND HAS AMITED THAT THE ACCOUNT IS FRAUD. POLICE REPORT HAS BEEN REPORT AND UPDATED TO ADD STERNS RECOVERY SERVICES HAS FRAUD NOW NORTH CAROLINA XXXX XXXX HAS BEEN CONTACTED SINCE STERNS RECOVERY SERVICES HAD KNOWLEDGE FROM SEVERAL OTHER ACCOUNTS WITH FIRST HEALTH THAT WERE FRAUD ... IM A CHIEF FEDERAL JUDGE IN XXXX NC AND XXXX SC AND A INVESTIGATION WILL BE PLACED TO SEE IF THERE IS FRAUD WITHIN STERNS RECOVERY SERVICES.
Consumer complaint received 2022-09-19
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. (MD)

Experian has unfairly decreased my credit score by XXXX points on XX/XX/2022. After carefully reviewing my Experian credit report and all notifications, I did not see any changes on my report that would justify this decreased. Please investigate this adverse action taken by Experian.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

I received a call from a caller ID that stated it was Wells Fargo. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by XXXX is was denied and they couldn't give me any more information until I received a letter in the mail, and Wells Fargo wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell me.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX IN CO ) XXXX, 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 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (MD)

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 these accounts ( 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 erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I reached out to Equifax via phone on XXXX XXXX. At XXXX EST I spoke with a representative and advised him that my consumer report was not fair and equitable to me due to the information that had been published on the report. I was advised by the rep that he was unable to remove any accounts but that he could start the dispute process. At that time I advised him that Equifax did not have my written authorization to have the information or to publish my information. I advised that I did not want to dispute the items but wanted the items removed. The information that I want removed has been disputed several times due to being inaccurate. At XXXX XXXX the supervisor stated that the FCRA stated that the information could be published anyway. At that time I stated that there is no obligation to publish my personal non public information anf that I have a right to privacy and that I have never given consent to have my information published. The rep refused to adhere to my request and the call ended. At XXXX XXXX  EST I called back, spoke with XXXX, and was transferred to XXXX and was connected to XXXX. I stated that my consumer report is not fair or equitable to me and that I was demanding to have the information removed and specifically stated that all of the Accounts associated with the US Department of Education would need to be removed and not disputed, the rep stated that I needed to wait 7 years, I advised that I did not provide consent for my private non public information to be published and that I have a right to privacy. Equifax did not exercise gave responsibility, was not not partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 b ( 2 ) Equifax never had a permissible purpose. I also stated several times that I did not want to dispute the accounts but that I wanted them removed. I requested for all late payments to be removed and citied 15 USC 6821 ( A ) ( 2 ) to advise him that furnishing fraudulent late payments is a violation and that is why I want the information for these accounts removed. Again, I advised that my consumer report needs to be fair and equitable to me and I have the right to privacy. I requested to speak with a supervisor after stating at XXXX XXXX EST that the accounts needed to be removed and not disputed. I was placed on hold twice and told that the supervisor would " say the same thing '' I then advised yet again that based on the FCRA my consumer report must be fair and equitable to me and that my written consent is needed to furnish my credit report. The information on my credit report has not been fair or equitable to me and is causing me great distress and anguish. At XXXX the supervisor hung up on me as I began to mention additional violations.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (GA)

I DO NOT OWN THIS ACCOUNT IT WAS ADDED DURING A CYBER THREAT DATA BREACH I NEED I REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-03-25
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)

I am reporting Experian Credit Reporting agency for having to notify them once again, of already reported Fraud that has been committed using my Credit Profile. The agency has not taken the proper action in resolving my issue appropriately according to my situation and circumstances and it has caused me great distress. 

XXXX Account Number : XXXX It's their responsibility to uphold their Law and the consumers right, and depiction of character to remove any fraudulent, unauthorized, invalidated accounts from my profile that can cause potential distress to a consumer. 

Due to XXXX 's data breach/Identity theft along with many others that I am aware of through my Credit and XXXX XXXX XXXX  that I pay for, I'm not sure when my information could have been compromised. But all accounts are being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation over.

Not only has my FTC report been suffice to resolve this issue but in accordance with the Fair Credit Reporting act XXXX, this same account has also violated my rights. Along with Experian blatantly violating my rights as well, which Im sure as a credit reporting agency they're aware of.

According to 15 U.S.C 1681A Section ( 2 ) A.i : Late payments are transactions, and transactions are excluded from a consumer report. Which Experianclearly violates because there are also late payments on this account that are being reported to my consumer report. 
Followed by 15 U.S.C 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.

Its clear that your investigation into this matter has been insufficient to my claims, and dismissive of the laws that you are supposed to be following.

Below I have attatched My FTC report, Letters that I've sent in, and all supporting documents as well.

Im appreciative of the services that you guys provide to hold these bureaus accountable for their actions, and uplifting the law that has governed the consumers.