davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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 have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my XXXX report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my Transunion report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open account
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX / XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/XXXX 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 an account without written instructions.
Consumer complaint received 2021-09-24
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: Midstate Collection Solutions, Inc. (IL)

I am a victim of Identity theft/fraud. 
I have notified XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Midstate collections several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to XXXXXXXX XXXXk : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and Midstate collections continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Just saw Caine & Weiner pop up on my credit report, tanking my credit report XXXX points. I have never done business with them nor have I authorized them to report on my credit, Im sending this letter because I dont believe they have a signed contract or a past invoice with their company letter head on the top of it.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XX/XX/XXXX Attempted to refinance my car loan and was advised XXXX XXXX has been reporting my account as Closed to all three credit bureaus. 

XX/XX/XXXX Spoke to XXXX XXXX and they advised that is what automatically happens when the call is included in a XXXX  ( even after it is XXXX ). I asked to start a dispute to have it corrected and was told it was faster to report it to XXXX XXXX.
Consumer complaint received 2022-06-11
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. (WI)

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

15 U.S.C section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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.

15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM Bus Admin ODA
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX. XXXX Experian received my letter disputing a XXXX account and two inquiries I believe were in violation of consumer protection laws ( CPLs ). I cited all CPLs I believe were violated. This letter was sent certified and I have the receipts for it and I know what day and time it was received. With my legal team I ensured all cited CPLs were relevant and applicable. 

A partial investigation was done and partial investigation results were sent to me. This investigation is well past the 30-day period required by law. The investigation results had shown the two inquiries had been deleted but absolutely no acknowledgement or communication about the XXXX account although it was disputed in the letter received XX/XX/XXXX. 

I've disputed this illegally furnished account many times and I'm fully prepared to sue XXXX and Experian for their roles in causing hardships and blatantly disregarding CPLs. 

A good solution would be to permanently remove the account from my Experian provided " credit report '' and for XXXX to cease the communication of my private information to third parties without contacting me first and getting to my permission.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Listed below 15 USC 1681 sections 602 I have the rights to privacy 15 USC 1681 sections 604 a consumer reporting agency can not furnish a account without my written consent 15 USC 1666B Creditors may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CO)

XXXX XXXX billed for the wrong amount. This should have never been sent to collections - I never owed {$2300.00}. I provided payment information at the time of service and this was supposed to be submitted through my insurance and then charged. After several months I was finally able to have someone at XXXX fix this error and bill me for the correct amount which was paid in full. 

This entire account needs to be removed from my credit report immediately. It is impacting my ability to refinance my home and the derogatory mark that was added in error and has led to multiple other revolving lines of credit that were in good being cancelled. 

Please remove this account. It should not be reported as a " paid collection '' as it should have never been a collection in the first place. It needs to be removed entirely.
Consumer complaint received 2022-06-11
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)

PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT XXXX XXXX  Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. 
I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' SO HOW IS EXPERIAN STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? 
PLEASE FIX THIS ISSUE IMMEDIATELY.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CA)

I opened an account with BBVA and transferred a balance. I noticed my first payment had not been withdrawn from my account, called the company and was informed that I had mailed the payment to the wrong address. I got the correct address and remitted payment. The payment was made before a late fee should have been incurred, but I was charged one anyway. The phone support said there was nothing they could do. 
The company then started started charging me a {$1.00} monthly fee as I had had a late charge. I phoned a local branch and spoke with a helpful person who got the late fee refunded, and said the {$4.00} in minimum fees which had been charged to my account would be returned. I received my statement today. The late fee was refunded, but the {$4.00} dollars in minimum fees were not, and an additional {$1.00} fee was charged to my account. I am in the zero interest period on my account. My statement indicates {$0.00} balance subject to interest rate. I should not be incurring any fees or interest. In addition, the balance transfer fee is listed on the account as a cash advance. I have made no cash advances or purchases on this account. I am concerned about their business practices.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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

15 U.S.C section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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.

15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (TX)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (GA)

Multiple bank and credit card accounts were opened on my name by someone. I was able to get hold of three credit reports and 'XXXX ' report to dispute the inquiries and then lock/freeze the report to prevent further damage. 

One of the bank account ( XXXX ) was not reported on credit reports + XXXX XXXX report. XXXX customer support person informed me that bank uses " earlywarning.com '', this is surprise as 'identitytheft.gov ' or any other website did not mention about this company anywhere. 

1. earlywarning.com is not having proper online method to request my consumer report. 
2. consumerservices.earlywarning.com is failing with XXXX error not able to register email for sending documents. Customer support was not helping to resolve the issue. 
3. I have called customer support and provided all PII, identity questions over the phone to request a report. Report will be sent in 15 days, I will have to wait 15 days to know at which other banks new accounts were opened. By the time I get report it will be outdated, new accounts may be opened in 15 days. 
4. Important : There is no way to set fraud alert or freeze/lock my data at 'earlywarning.com '. Customer support person is saying that I will have to keep checking data and dispute the incorrect entries, it is not stopping fraud. It is lot of unnecessary work for me for next several years.
Consumer complaint received 2022-06-11
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. (TX)

I got my dispute back from Experian and they said everything was accurate there's 2 school loans for nearly XXXX I was never aware nor received myself. Alerted them that think my identity got stolen still didn't take off my report. 
I want off my report but no luck
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Time Investment Corporation (NC)

I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and harassing. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being discriminated against based on the XXXX of my skin, I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from Equifax and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by Equifax and XXXX. Equifax indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both Equifax and XXXX have discrepancies in the reported account open date. Equifax and XXXX state that the account was opened on XX/XX/XXXX. However, Equifax reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by Equifax and XXXX. XXXX states that the term limit is 60 months, while Equifax reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, XXXX reports a past due balance of {$5200.00}, whereas Equifax states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by XXXX and Equifax. XXXX reports a last report date of XX/XX/XXXX, while Equifax states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.
Consumer complaint received 2022-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (CA)

From XX/XX/XXXX to XX/XX/XXXX, Shellpoint Mortgage Servicing fraudulently charged me for lenders Placed insurance. I always was insured and provided all documentation when prompted. 

They failed to receive and properly note my account. I talked with agents to no avail. Then they continued to charge me without any notice they were surreptitiously deducting funds from my escrow account, In addition, This company has poor communication ability, their message app fails to work every time a message is sent I never get it. 

They have setup their system to fail the customer, and reaching them is very difficult. 

Shellpoint has structured their company to avoid helping me, its customer and hide how they are illegally stealing my money from my escrow accounts,
Consumer complaint received 2022-04-14
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. (FL)

XXXX  loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.
Consumer complaint received 2022-06-11
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. (NJ)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions