davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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 fair credit reporting act XXXX  accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-29
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. (LA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX ACCEPT Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (VA)

Attached is a letter that I received from XXXX XXXX. This is an Alias Name used by Elan Financial Services, I guess so that their customers do not know the company that they are dealaing with.

This letter states that my account was closed because of the number of late payments over the last 12 months. This account was set up on automatic payment and there was never a late payment. I wrote to the company and requested the dates when payment was late and they responded by telling me that it would cost money to get that information. This is totally inappropraite. If the company wants to spread miss-imformaton, they should provide the proof of the information. 

In the attached letter they also say something about the high cash balance. There was never a cash balance on this card. 

I have not clue what they mean by number of months since the account was opened. The account was opened about 5 years ago and was automatically paid every month. 

The last comment in the attached letter is Number of Delinquencies in the past 6 months. As discussed above, the account was set up on automatic payment and there was never a late payment. 

I respectfully request that Elan Financial Services provide data to support their statements including date payment was due and date payment was received for each incident where they are claiming that the payment was late Kindest personal regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bank from which I took out this card was notified numerous times that I had relocatred from XXXX to XXXX XXXX. The Bank and not Elan Financial services is what shows on the statement and virtually all of the correspondence received.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XXXX XX/XX/21 i tried to make a purchase of gas, when the card gave an invalid passcode error..knowing I was using the correct passcode I entered it twice more, which locked the card. I called the number on the card and was told to wait 24-48 hrs to " UNLOCK '' it..In using the automated system to unlock my card I was given tranaction information and heard a " BANK TRANSFERE '' in the amount of $ XXXX.Knowing that I had not trnsfered funds to my bank, I immediately tranfered to speak w a live rep. who told me that the transaction was indeed made BY PHONE, for the amount of XXXXshe could not give me any more information as to who/where the transfer was made..I looked at the account online and was able to see a " TVR '' Transfer, in which I was told that TVR stands for telephone transfer..Knowing that the bank info was not my bank I immediately called nback to AL way to go card services to report the name of the bank along w what appeared to be an account number. I Reported this as fraud, t and was issued a new card. 
I was the sent forms to fill out to make the claim in writing and to receive a credit of the funds ..I faxed the forms back and the next day called to confirm receipt of the fax and was told that my claim was denied ... When I inquired as to the reason..I was told that there was " conflicting information '' when I asked what the conflict is, I was told that I will receive a letter stating the reason within 3-5 days. and that I should file a report w local law enforcement. I asked for the investigation letter to file w my police report ... I received the letter 10 days later with no detailed explanation..I called again and was told would receive a letter explaining the decision..After 2 wks of no letter I called again today ( XX/XX/21 ) and was told there is no letter with details and that the denial of my claim was due to " MY SPENDING HABITS '' XXXX I have asked that my claim be reopen and an actual investigation be done. For them to state my spending habits as a reason not to investigate and deny a fraud claim is reprehensible and irresponsible for any company entrusted with servicing government funds.
Consumer complaint received 2021-08-08
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. (FL)

Upon checking my report, i realized a medical bill for services, I'm never received. Ive never done busniss with XXXX XXXX XXXX or entered into a signed contract with this company. The account is fraudulet, please see attached ftc report.
Consumer complaint received 2019-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

I initiated the transfer of money to my home account in XXXX on XX/XX/2019 through Western Union via XXXX to my family account. The money transferred {$1100.00} went into Compliance check very next day and I submitted information asked by them. Later I got reply that this process will take up to 5 days, but even after 20 days I have not received any update on the same or any reply to my multiple messages.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and 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 2022-07-29
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. (DE)

On XX/XX/2022 I called Experian by phone to dispute inquiries on my credit report. Experian removed fourteen hard inquiries from my consumer report, which is an admission to guilt. Under federal law a XXXX shall not furnish to any person a record of inquiries in connection with a credit transaction that is not initiated by a consumer. I did not give Experian permissible purpose to furnish any inquiries on my consumer report. By furnishing this information Experian is committing aggravated identity theft against me as a federal consumer. This is my final attempt to have this matter rectified before pursuing legal matters. If Experian would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court.
Consumer complaint received 2021-02-24
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: ENCORE CAPITAL GROUP INC. (TX)

On or about XX/XX/XXXX I disputed an item on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector XXXX Midland Funding LLC XXXX to validate this debt since it was not mine. As of XX/XX/XXXX Midland Funding LLC has not responded to my request for validation of this debt nor have they provided factual information that this account is legally my responsibility. As of today this account remains on my credit reports with the comment " Account information disputed by consumer, meets FCRA requirements '' This does not resolve the matter nor does it comply with my request for validation. Midland Funding LLC has violated FCRA by failing to report true information and provide me with the requested data related this fraudulent account.
Consumer complaint received 2022-08-28
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: Possible Financial Inc (LA)

I have a right to privacy and i never have Possible finance permission to furnish a report on me. 
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Possible finance never notified me that i was late on a payment which violated 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-11-06
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. (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 U.S.C 1681. 
TransUnion, XXXX, XXXX all have different information reporting on my credit report XXXX XXXX XXXX account XXXX : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX  account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

I formerly had electric service with XXXXXX/XX/XXXXuntil the week of XX/XX/2019. At that time, my lease was up, my landlord needed the rental property back, and I moved out on a very short notice. When I was moving, I contacted XXXX XXXX, I requested a disconnect, and I was told it would be turned off within 24-48 hours and a final meter would be read, and if the amount was more than my deposit I would have a final bill. I notified the landlord, and he told me he would call XXXXXX/XX/XXXXbecause he had family members moving into the home the same weekend. Skip forward two years, and I get hit with a debt collection for {$1900.00}. I contacted the debt collector, Bullcity financial, and contacted XXXX XXXX. Both businesses pushed it off onto each other. Per Bullcity, I needed to file an identity theft report, and a police report, so I did. I submitted proof of this, along with my ID, proof of residence, proof of not living in that home, proof of my new lease and bills with my new address, etc. Come to find out, XXXX XXXX did not disconnect power in my name, and somehow left in on for 3 months with no payments. The new tenants used the electric in my name, knew they were not paying an electric bill, and wracked up a bill that I received no notice about. I have contacted XXXX XXXX at least 10 times, spoken with supervisors, with their fraud dept, etc. I have been told that I have to submit proof that I called them two years ago. Which is nonsense. I do not have the same phone number, I can not access phone records from two years ago, and even without being able to prove when I called them for disconnect, they can easily prove when I left the home, when someone else moved in, etc.The landlord also spoke with XXXX XXXX when the new tenant needed service in their name, and had to verify when they moved in due to the outstanding bill at that address, and they still never put the charges on the new tenant. They will not remove this from my credit, and it is affecting my ability to purchase a home.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.
Consumer complaint received 2022-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Called XXXX - Stating that late payments stated on the credit reports are not accurate. You guys stated that you would delete the late payments due to malfunctions on your end and the issues that customers are having due to covid. 

I was laid off not long after the car was purchased. Obtain employment and then in XX/XX/XXXX the company closed my department and was laid off again. Obtain employment in XX/XX/XXXX but was laid off in XX/XX/XXXX due to Covid-19. During these times I tried my best to stay-a-float doing odd jobs. Then I caught XXXX and was very sick. 

I had to have an XXXX and I think that XXXX  saved my life. Got better and worked odd jobs again. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not as bad as the first time but I still have a XXXX XXXX XXXX to XXXX. Then Obtain another job in XX/XX/XXXX but was laid off again in XX/XX/XXXX due to the supply chain issues caused by XXXX. The company wasn't able to produce it's products due to the lack of computer chips it need. 

Please remove all late payments from credit report. The late payments are severally damaging my financial well being for the future and present.
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (NV)

I got a title loan from OneMain Financial in XXXX, 2022, and paid it in full XX/XX/2022. I was told they would notify Nevada XXXX to release my title, and I should expect to receive it in XXXX to XXXX weeks. I still have not received the title, and it has now been XXXX weeks. I called OneMain twice after XXXX weeks had passed since the payoff. Both times I was told I had to wait for XXXX. XXXX XX/XX/2022, I received an email response from XXXX that they had no record of a notice to release the title. I told OneMain this, and after investigating, they discovered that for unknown reasons, XXXX had not received a notice to release the title. They told me they sent another notice to XXXX on XX/XX/XXXX, and I should receive the title in 3 to 4 weeks. So, now I am going to wait for at total of 13 to 14 weeks to have my title returned. OneMain blamed technology or the Pandemic, which I am guessing they will continue to use for 2 to 3 more years. I can understand a mistake, but not after I alerted the company twice, and they did not investigate it.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I declare under the 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 if 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. This collection found within my credit report is 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, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-29
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)

Requested that incorrect late mortgage payments reported by Experian be investigated and corrected. Also sent request to mortgage company. Experian investigation did not correct error. I subsequently requested, received and submitted proof from mortgage company 's online records and from mortgage officer directly to Experian. They still did not correct records. This error has caused at least 2 financial ventures to fail. The credit reporting agency is Experian and the mortgage company is XXXX XXXX XXXX. I have just been notified by Experian that the investigation is complete. The Experian report # is XXXX.
Consumer complaint received 2022-07-29
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. (PA)

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 an account without my written instructions.
Consumer complaint received 2022-07-29
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. (LA)

This is XXXX XXXX, and I appreciate you taking the time to repair and delete some accounts from my credit report ; however, there are still accounts that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}