davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Acct # XXXX Response from Commenity Bank is that it could take up to 60days to fix issue? This is NOT acceptable! They are already almost 90 days behind on reporting and there is nothing to research as it shows directly on the reporting page of all credit bureaus that they have not reported my lesser balance or ANY of the payments that I have made! If this is not fixed by end of month my lawyer will be contacting them and will be contacting all members that have loan payments with Commenity bank and we will be starting a class action lawsuit. I'm sure this is a very common thing happening at this bank as we have already heard from multiple people about same thing. I have already contacted the asset manager of XXXX XXXX and told them what they are subjecting themselves too using this incompetent banking establishment!
Consumer complaint received 2022-08-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under 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 of 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. The items found within my credit report that I listed on the following pages are 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, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because on XX/XX/2021 I requested validation of information reported by LCI to the Credit Bureaus. Based upon my own personal research it appears that LCI is in violation of multiple consumer laws by furnishing unauthorized, and unverifiable information on my behalf without my written consent. By reporting this information, it has terribly harmed my ability to obtain credit and caused great harm to my financial well-being. I demand that this information be deleted based on the premise that the company is not following the consumer laws guidelines. The item in question is an alleged XXXX XXXX Bankruptcy. I demand LCI delete and remove this unauthorized, inaccurate, and unverifiable information on all company consumer reporting lists. I have attached my supporting documentation to this complaint. It is my understanding that you will recheck these items. Under Disclosures to consumers 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, under Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. You, LCI are in violation of multiple consumer laws : 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumers rights to privacy, 15 USC 1681b ( a ) ( 2 ) No Permissible purposes/No written instruction from me the consumer to furnish this information, Failure to furnish an Investigative consumer report per 15 USC 1681a ( e ) upon my request. I never gave LCI any written consent to report anything on my consumer reports, no consent is fraud. I am also requesting by law LCI must provide me with their Investigative consumer report per 15 USC1681 a ( e ) as required by law.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NJ)

Hello, Im the past years I have contacted Experian n explained the misinformation that was on my credit report. For instance, I noticed my ex girlfriend is using my information for her person gains like my address, phone #, my name, my parents name etc etc. now, recently I noticed my emails have been compromised on the dark web and Im really concerned and nervous. Can a representative or agent contact me from Experian asap. Anytime of day, any time.. I will also I like to discuss another matters too. 
Thank you for your time, much appreciated, XXXX XXXX
Consumer complaint received 2022-08-22
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. (AL)

The information on acct is accurate and not mine I did write bureaus and ask to provide original contract bearing my signature that failed to do so or provide any type of proof other than saying it was verified XXXX XXXX XXXX amount XXXX last reported XXXX this information is inaccurate I have also been a victim of identity theft where my credit is being ran without my knowledge have reported this info to bureaus but have gotten no response
Consumer complaint received 2022-08-22
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. (NC)

Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX  Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; and Account Name XXXX XXXX XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I depsoited over 8700 in an HSBC account over 7 months ago and they have refused to turn over the funds until i served them with a lawsuit. I have asked for my costs for my attorney and my funds be returned to me they are only offering my deposited funds which they only did after i filed suit. They have hired a huge law firm XXXX which cost more than the money in question. I am seeking tohave my lawyer costs and court costs plus the deloisted money returned back to me. this is an awful bank and i am sure i am not the only one they did this to. They did nto even provide me with statements or any explanation written or otherwise. i called them in excess of 100 times. Can you help me?
Consumer complaint received 2022-08-22
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)

Went to the dealership to for an auto loan it was, they said it would only be from XXXX but 10 hard inquiries hit my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (FL)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXL XXXX and XXXX XXXX XXXX. I believe it was reporting in error.
Consumer complaint received 2022-08-22
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2022-08-22
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$1100.00} DP OF EDUC XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$4000.00} DP OF EDUC XXXX Balance Owed : {$3100.00} DP OF EDUC XXXX Balance Owed : {$4500.00} DP OF EDUC XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$2700.00} DP OF EDUC XXXX Balance Owed : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.
Consumer complaint received 2022-04-05
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. (CA)

I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.
Consumer complaint received 2021-11-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: High Mountain Funding Inc. (CT)

On XX/XX/XXXX I place a phone call to a collection agency known as : High Mountain Funding Inc . 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, Etc. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, High Mountain Funding Inc, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX is reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - High Mountain Funding Inc reported XX/XX/XXXX on my XXXX Credit Report XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : Open. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular collection agency that warrant this complaint for their unfair practices.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MI)

Around XXXX XXXX I traveled from XXXX to XXXX and in between a store clerk copied my card information and begin making purchases via online using my card information. When I became aware I notified the bank to shut the card down. Once it was done the BB & T begin charging excessive fees and then refused to give me access to the account so I could fix the problem. I even asked if I could drive XXXX  hours away just to handle the problem. They have been unwilling to help with resolving the issue. They are making money by charging me fees by the day!
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose
Consumer complaint received 2022-02-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2022 I got a notification from Experian that my bankruptcy dispute was complete. I contacted them via phone to verify their method of validation as it is not being reported except on the Experian, XXXX and XXXX. Which as of yet Experian are the only ones that has responded. 

I contacted Experian via phone, spoke to a representative by the name of XXXX, that was very rude while speaking to me. I asked him about the verification process and he told me that it was validated and he doesn't have to share any information regarding the validation process. I told him that the courts nor XXXX reports to the bureaus and I have my XXXX report with NO Bankruptcy listed. Only to be told after explaining my case and asking for a supervisor that no one was going to change it. I was placed on hold for over an hour then hung upon and have been blocked from speaking to an actual person since.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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 XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 an 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. Code 1681 4 ) 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.