davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (NJ)

Hi I am submitting this 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 719XXXXXXXX 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 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

XXXX XXXX Account XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
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: SANTANDER HOLDINGS USA, INC. (NJ)

Santander Bank Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. Under 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C. 166b 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 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MI)

If you look at my account in XXXX, I had a XXXX balance. In XXXX somebody had found my card and decided to use it without my knowledge without my permission. I am mediately called you. I reported every transaction in XXXX. Let me repeat that I reported every single transaction in XXXX as fraud. I was told not to worry about it you had marked everything is fraud and you were going to investigate. Two months later I received a letter from you stating that the fraud investigation had been resolved and Im not responsible for anything. For some reason I have a balance of {$2400.00}. You have been charging me interest for the fraudulent transactions which Im pretty sure its against the law. Youve also charged me the late payments for the fraudulent transactions again pretty sure thats against the law. Im not sure if youve increased my APR or not to a penalty rate because you claim I am behind. First time I called today I was speaking with a woman. I explained that I had a XXXX balance. Then I had fraudulent charges after they were investigated. I should have a XXXX balance, but I dont for some reason. She put me on hold and then hung up on me. I called back. I got a gentleman this time who was clearly confused by what I was saying. It seems so simple. Its obvious that you have not credited for me and I shouldnt be charged interest in late fees on a fraud investigation. He put me on hold multiple times then tells me I should contact customer service keeping in mind that I spoke with customer service and they were the one that transferred me to the fraud department. The fraud department wanted to transfer me back to customer service. The automated system said that the call is being recorded and monitored or maybe the agent said it was being recorded and monitored. If thats actually true, you should go back and listen to this conversation. Im being is polite as patient as simple as I can be, and Im clearly confusing the guy With all due how did this guy get his job? Hes really nice but clearly is clueless as to what hes doing.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
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
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 

BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TX)

After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and XXXX its been 5 months nothing done still
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Identity theft victim made reports with FTC local PD and shared identity theft reports with three major reporting agencys and have little resolve also submitted countless disputes Transactions history are on report and late payments both are not permitted by FCRA also o have additional rights as stated in FTC for victims of identity theft. Also information has been compromised by multiple corporations. Proper investigation of information accepted by reporting agency as true and factual not conducted as evidenced by deletion of false inaccurate information as a result of disputes. Deletions are admissions and due diligence not carried out and proper investigation of furnished information was and continues to not be executed by any of agencies
Consumer complaint received 2022-08-12
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. (MD)

Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called XXXX, XXXX and Experian for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Good day, I reached out to you guys about the lack of respect that Experian has shown me and for the Law, XXXX XXXX ' I disputed a couple of Alleged Debt Collections that were Charged off/Canceled that are still inaccurately reporting on my consumer report, I just got updated that they were verified and I wasn't asking for Verifaction I was demanding for the inaccurate reporting of the Alleged Debts to be deleted because according to XXXX XXXX 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deemed illegal because they are choosing to post it on my credit profile, they did not follow policy and inform/contact me with a 1099A form which is a violation and did not send me a 1099c form for the gross income that they have written off. IRC section 6500P states Canceled debt of {$600.00} or more is required to file form 1099-C with IRS and issue a copy to the borrower.

15 USC 1681s-2 Responsibilities of furnishers...

15 USC 1681b2 they had no permissible purpose by law to contact any third-party reporting agency with private or personal information without lawful authority. I did not give them written permission to put anything on my consumer report, also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and this inaccurate reporting would be transactions or expressions according to 15 USC 1681A ( 2 ) ( a ) ( i ) and these transactions are not a part of a consumer report either I need these unlawful inaccurate reporting deleted asap and not brought back XXXX XXXX # XXXX {$4400.00} XXXX  XXXX # XXXX {$3900.00}
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am bringing suit against XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX to recover damages stemming from violations of UDAAP. 
XXXX ID : XXXX issued XX/XX/XXXX This is the fifth time XXXX has deceptively reported a current loan as past due greater than 30 days and over 60 days that was current. They have done this five times in the last 9 months. XXXX is fraudulently reporting this loan as charged off and owing {$860.00}. However I received written communication dated XX/XX/XXXX that the amount they're claiming owed is {$420.00} by XX/XX/XXXX. I have written XXXX and dispute the validity of this debt and ask for full explanation and have not received a response or acknowledgement by XXXXof Texas. However, I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loans. Loan ID are XXXX XXXX XXXX XXXX ID : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX ) and XXXX ( issued XX/XX/XXXX paid in full XX/XX/XXXX ). This has caused me irreparable financial harm with far reaching consequences preventing me from getting approved for housing. I am seeking full monetary relief due to significant drops in my credit rating.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On Saturday afternoon XX/XX/XXXX I tried numerous times to log into my Transition account to unfreeze my credit report, I could not log in every time I tried it told me to call a number, when I called the number it asked me to input certain information, I did and the automated phone system robot stated they were closed goodbye, yet on the website where it stated to call them they were advertising they were open : " were sorry, there was a problem recovering your account information. For assistance, please contact our Website access Support Team at XXXX. Available Monday through Thursday XXXX XXXX  to XXXX, and Friday through Sunday : XXXX XXXX  to XXXX XXXX  Eastern standard time. I tried numerous times from about XXXX on Saturday and finally gave up. 
This caused me allot of stress and problems because I had already easily unfrozen the other two. Now I have to go back and start allover. This is totally UNJUST and false advertising. They need to be held accountable for the hours posted consumers need access to freezes and unfreezes help on weekends.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX when preparing to buy my first house, I discovered that my estranged father fraudulently opened a credit Bank of America credit card listing me as a co-borrower without my knowledge or consent ( or BoA made an error ) in XX/XX/XXXX when I was a minor ( age XXXX ). He has continued to use this card with me as a co-borrower, and it is now maxed out at $ XXXX. 

I have attached the XXXX dispute XXXX " resolution '' letter ; I could not find or obtain copies from the other two bureaus. I have also filed the attached FTC Identity Theft report XXXX. I have attached CFPB complaint XXXX against Bank of America where they just closed the complaint, told the CFPB not to give me any details on BoA 's " resolution '', and then failed to respond to my complaint at all for over three weeks. It was not until today when the BoA XXXX department put me in contact with the XXXX department that I learned that BoA refused to take me off the card despite the fraudulent origins.
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

Back in XXXX I had XXXX treatment for my both legs at XXXX XXXX XXXX in XXXX, nj by that time I had XXXX XXXX XXXX XXXX XXXX and I was supposed to pay for a copay I cant remember the amount now but it was an affordable amount to me. 
Now after 5 years around XX/XX/XXXX I received a letter from iCS system trying to collect XXXX to that treatment. 
After several phone calls, I spoke to XXXX XXXX XXXX the supervisor for collection department he analyse the case and said a mistake was made and bill will be adjusted finally balance came down to XXXX and they offer me a XXXX payment plan couple weeks ago so they said when you are ready call us so we can proceed. Then I decided to call XXXX to make sure I was supposed to pay that balance I spoke to XXXX XXXX he said on the XXXX treatment XXXX XXXX accepted {$1500.00} as a payment insurance paid {$1400.00} and i paid {$88.00} copay.So again yesterday XX/XX/XXXX me and XXXX from XXXX spoke to XXXX XXXX on a 3way call he was laughing at me and the other guy saying my balance was XXXX and had to be pay. Later yesterday I got an email from XXXX XXXX that I had 5 new accounts on my credit so when i looked they reported to 3 credit bureou 1 bill for XXXX and 4 more for {$500.00}. 
According to new law after receiving a bill we as a customer have 1year to settle the bill down and they didnt wait after 1 month sending me the bill they add that crazy amount to my credit so i need help removing that because they are forcing me to pay XXXX immediately or my credit will be ruined. Im a hardworking person my husband too, no criminal records and I can accept that this is really aggravating and looking at XXXX reviews they seems to do that to a lot of people. Please help me I have a XXXX old and need my credit restore, thanks
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

I HAVE BEEN RECEIVING DEBT COLLECTION LETTERS FROM PROFESSIONAL ACCOUNT MANAGEMENT ( XXXX ) FOR A DEBT THAT DOES NOT BELONG TO ME. TWICE I SENT THEM DISPUTE LETTERS. THE FIRST LETTER DATED XXXX, I DID NOT RECEIVE A RESPONSE FROM THEM, BUT I CONTINUED RECEIVING DEBT COLLECTION LETTERS. THE SECOND LETTER DATED XXXX WAS RECEIVED BY XXXX ON XXXX. THEY SENT ME A LETTER WITH THE RESULTS OF THEIR INVESTIGATION OF MY DISPUTE LETTER, SHOWING A DATE OF XXXX. XXXX IS TELLING ME THE RESULTS OF THE INVESTIGATION WAS COMPLETED AND THE FULL BALANCE REMAINS DUE. THE XXXX LETTER DID NOT GIVE ME THE " XXXX XXXX '' RIGHT TO DISPUTE THE DEBT WITHING 30 DAYS. XXXX THEN SENDS ME A DEBT COLLECTION LETTER DATED XXXX ATTEMPTING TO COLLECT THE SAME DEBT FROM ME, THIS TIME THEY GIVE ME MY " XXXX XXXX '' RIGHTS TO DISPUTE THE DEBT WITHING 30 DAYS. TEXAS LICENSE PLATE NUMBER XXXX.
Consumer complaint received 2023-03-24
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)

I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (FL)

I received a letter from viking for a reported debt from XXXX XXXX claiming I was in an accident. This is a lie as I have never been in an accident. I only rented twice from them : XXXX XXXX XXXX under my account XXXX. I have all my receipts and I have never reported an accident or caused any damage to their vehicles.