davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 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. 

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. 

XXXX and XXXX have already deleted this item because not only did it break the law it doesn't show accuracy 's of when paid and when it wasn't paid. Instead of responding through the CFPB about this Experian wrote me on the Experian Client profile.
Consumer complaint received 2022-06-08
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. (FL)

I have received a security breach on my identity through my credit report on TransUnion and XXXX XXXX. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX. Not only that, there were some loans and a credit card opened without my consent.
Consumer complaint received 2022-06-08
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (FL)

I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.
Consumer complaint received 2022-06-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

U.S.Bank told us about three weeks after they gave us a preapproval letter in XXXX which we gave to XXXX XXXX that we must sell our present home or increase our down payment by about {$160000.00} in order for U.S.Bank to give us a mortgage. 

We paid U.S.Bank for the appraisal and the appraisal was completed before U.S.Bank told us we must sell our present home or increase our down payment by about {$160000.00} in order for U.S.Bank to give us a mortgage.. 

In order to get the preapproval letter we emailed U.S.Bank all of our paystubs, W2s, bank statements, information about our XXXX XXXX  loan on our present home, credit authorization and what U.S. Bank requested in order to give us a preapproval letter.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Experian LLC 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  Original creditor : XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - Inquiry date - XX/XX/2021 XXXX - Inquiry date - XX/XX/202XXXX XXXX
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

MIDLAND CREDIT MANAGEMENT HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$610.00} DOLLARS. THE COLLECTION HAS BEEN REPORTED AS A PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

XXXX 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
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the XXXX end the following : XXXX ( F ) REPORTING INFORMATION DURING XXXX COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Merchants' Credit Guide Company (IL)

There was a an Account open in my name that was not me, I reached out to the company and the verified the account was open fraudulently. 

Illinois XXXX XXXX Date opened XX/XX/2018 Amount {$930.00} My personal information was apart of the XXXX data breach, this account is still reflecting on my credit report
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MI)

On XXXX XXXX I sent {$5000.00} via WesternUnion to make a mortgage payment. When I called the mortgage servicer to give them the confirmation, they informed that they do not accept WesternUnion. The payee on behalf of the mortgage company is XXXX XXXX. A refund request was issued on XX/XX/XXXX. I have yet to receive it. I have called many, many, many times and I always get the same reply. Its under expedited investigation, please call back in 1-3 days. This mortgage payment was split into XXXX transactions. The first transaction for XXXX was already refunded.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n 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
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 2022-06-08
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: MoneyLion Inc. (LA)

I've contacted the company moneylion about an account that was opened in my name. I explained to them that i never opened this account and that it was opening fraudulent. After a few days I received an email from moneylion that I am correct that this account was opened fraudulent. They also sent me an email stating the same.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, {$25000.00} were withdrawn from my Chase business checking account by an unknown person. This is related to all my other debit/credit card fraud charges. They most likely stole my mail and got a hold of my debit/credit cards and then somehow were able to withdraw money from my checking account. 
I filed a claim with Chase Bank and a police report as soon as I got the news. I received my police report in XXXX after 4 months and it took forever for Chase to receive the police report, problems with their fax/email. Now Chase bank is finally starting their investigation.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX 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 2022-06-08
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. (NY)

I had disputed the following XXXX accounts XXXX times with this agency asking for validation to these accounts. Instead they simply respond verified which is violating my rights to see how they validated. These are reporting incorrectly on my report besides that being they are said to be charge offs but yet show 100 % payment history. Its well past the XXXX In NY and these companies no longer own the debt nor do I owe them.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it
Consumer complaint received 2022-06-08
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 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
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 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 XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (TX)

6 months lease was completed as agree. Complex charged an extra month & stated a 30 day written consent was needed before moving. 

Rent : {$570.00} Collection amount : {$770.00} Last month of rent was paid as agreed. 
Account was removed from report multiple of times. 

NO LAW DESCRIBES WHATS A COLLECTION IS.. 

XXXX XXXX was sold to a 3rd party 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction XXXX XXXX violated my right to privacy by selling & giving my information to a 3rd part without my written consent. 

I never gave M.A.R.S INC written consent to furnish anything on my Consumer Report Acct : XXXX ( doesnt display full account number ) 3. 18 usc 8 : Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

If such alleged debt do exist then by law it is obligation of United States not me.