davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # 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
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 — Account information incorrect
Company: EQUIFAX, INC. (VA)

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : 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 ] DEPT OF EDUCATION/XXXX  [ XXXX ] DEPT OF EDUCATION/XXXX  [ XXXX ] DEPT OF EDUCATION/XXXX XXXX XXXX ] DEPT OF EDUCATIONXXXX [ XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon securing a copy of my Credit Report from XXXX, I immediately investigated it and noticed that there are erroneous accounts reporting on my Credit file. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
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. (PA)

All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 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.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

2 payments were taken out of my account 1 manual payment of XXXX and a second auto payment of XXXX, ( my total balance was {$940.00} which I paid in full manually so the XXXX was a payment on a balance of {$0.00} ) The payment of XXXX was never received by the credit card company, even though my bank statment shows it was made to Citi. 

bank filed as a lost check, but once that was approved Citi add a {$940.00} statement saying I owed that money back to the company Tried to provide statements from my banks to citi but they seemed uninterested in those, likely because it provides proof that citi was sent the money they are claiming they never received
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2022-10-11
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: Atlanticus Services Corporation (NJ)

Default and Opportunity to Cure To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX XXXXXXXX XXXX I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that financial institutions like Atlanticus Services Corporation, and ThXXXX XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ) use against Consumers like myself. 

According to the information added to the account, I noticed that your financial institution added the comment Dispute resolved - consumer disagrees. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant Atlanticus Services Corporation, The XXXX XXXX XXXXi ( ASPIRE CREDIT CARD ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution Atlanticus Services Corporation, The XXXX XXXX XXXX  ( ASPIRE CREDIT CARD ), failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions Atlanticus Services Corporation, and The XXXX XXXX XXXX XXXX ASPIRE CREDIT CARD ) decide to ignore my request.
Consumer complaint received 2022-10-19
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent. 
( My letters that was sent to the credit bureaus are attached )
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, TransUnion re-inserted a 30-day late payment on an account ( XXXX XXXX ) without informing me in writing. On XX/XX/2022, I sent a Certified Letter explaining that my rights have been violated per 15 U.S. Code 1681i ( B ) ( ii ) : Notice of Consumer-If any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion. When I called on XX/XX/2022, I was told by XXXX ( if he provided the correct name ) that TransUnion is not required to notify me. My Rights Have Been Violated!
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX  # XXXX - XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXX  View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days 6 FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX XXXX this Previous address XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this FCRA violations : payments never late XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$19000.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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: EQUIFAX, INC. (GA)

This is my sixth attempt to notify you that I am a victim of identity theft and I send a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items is DELETED from other bureaus, and I have doubts about the Bureaus ' accuracy, and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) the following unknown items must be blocked : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXXXXXXXXX Balance {$540.00} XXXX XXXX  XXXXXXXXXXXX Balance - 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 XXXXX Balance-
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (WI)

All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with XXXX, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be USA basedespecially for security. 
Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to TransUnion asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT OF ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF ED XXXX XX/XX/XXXX {$1900.00} Account 3 : US DEPT OF ED XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF ED XXXX XX/XX/XXXX {$3100.00} Account 5 : US DEPT OF ED XXXX XX/XX/XXXX {$11000.00} Account 6 : US DEPT OF ED XXXX XX/XX/XXXX {$6700.00} Account 7 : US DEPT OF ED XXXX XX/XX/XXXX {$6400.00} Account 8 : US DEPT OF ED XXXX XX/XX/XXXX {$6700.00} Account 9 : US DEPT OF ED XXXX XX/XX/XXXX {$12000.00} Account 10 : US DEPT OF ED XXXX XX/XX/XXXX {$12000.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury TransUnion has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 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 have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts. 

I have uploaded 3 accounts to you guys that demonstrate multiple reporting errors and inaccuracies.
Consumer complaint received 2022-10-23
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: WELLS FARGO & COMPANY (MI)

Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, WF CRD SVC, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,