davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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 (CA)

Bank of America carried out a hard inquiry on my credit report without my authorized consent ( Fraud ) on XXXX, XXXX, XXXX. I submitted more than 3 times my request for Bank of America to immediately to remove the hard inquiry as they didn't have my authorization or written consent to make the hard inquiry but to NO joy!! Their response by letter on XX/XX/XXXX " We've verified the inquiry and we won't be adjusting our reporting like you requested and consider your dispute resolved '' As my request ( My right by law ) Is ignored repetitively and no satisfactory resolution is reached which caused my credit harm I would demand from Bank of America to send me documentations with proof of signature showing I in fact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. This deletion was due almost a year ago knowingly its lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once Bank of America and XXXX XXXX fulfilled my request please mail me an updated credit report reflecting these changes. 
* Previous complaints case numbers : XXXX * In the event Bank of America keeps violating my rights I will seek financial compensation of {$1000.00} ( 15 USC 1681n )
Consumer complaint received 2023-02-23
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-23
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (NV)

The consumer reporting agency never had a permissible puXXXXpose Under 1681 b ( 2 ) to furnish anything on my consumer report. I never consented to this report in the first place. Under 15 USC 1681a ( 3 ), the consumer reporting agency assumed this role without permission, not only that, you did not have consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). The consumer reporting agency did not exercise their grave responsibility, they were unfair and partial. I am demanding this account be suppressed immediately from my consumer report : XXXX XXXX XXXX XXXX : Account Number : XXXX : Amount : {$35000.00}
Consumer complaint received 2023-02-23
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. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-23
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)

First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX licensing where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Spoke to an agent about errors and " Boost '' product, and an hard inquiry showing but no new account reported, and a balance update, and the rep was being extremely rude ( to the point i said i don't have to tolerate you being rude ) so I hung up on her, and filled out a complaint form on the site - The next day ( today ) 'mysteriously ' I have two missing current credit card accounts, an open acct showing closed, a loan misreported etc. AND I opened my email to an Experian member alert that " congratulations '' my score WENT UP - then upon clicking link & going to the site I have messages that say : your score DECREASED your score INCREASED new cc account opened credit line increase your utilization went down your credit utilization decreased significantly on one of your accounts congrats on a loan payoff Spoke to a new rep today and made an escalated complaint & was told upon investigating that because I had disputed my balance on one of my perfect accounts ( i got a credit increase but it was not showing ) and the creditor neglected to answer that they DELETED THE ENTIRE ACCOUNT ; She stated this was due to FCRA rules - I said this was preposterous bc I have disputed a late payment before and when the company didn't respond the payment was corrected, the account itself was not deleted. This still does not explain all the other shady-ness but it is a starting point. I was told I have no recourse on that one other than to ask XXXX XXXX to re-report my whole account ( not sure how ) and she further said she would tell the supervisor abt the other stuff. This all took place XX/XX/XXXX, XXXX, and today the XXXX. 

** P.S. to this - I just got off the phone w XXXX XXXX and no matter whom the rep at XXXX XXXX asked, they all said they had no idea why the entire acct would have disappeared/been deleted from Experian - bc they " reported my last update to Experian on the XXXX at XXXX XXXX  '' - So there is DEFINITELY something ILLEGAL going on at Experian. They ( XXXX  XXXX ) further said they have no other department to 'manually ' re- report my entire acct and history to Experian. and suggested I call experian back.
Consumer complaint received 2023-02-23
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. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-02-23
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)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint.

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of XXXX Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than 2.5 million borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following XXXX Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2023-01-18
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. (CA)

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and Equfax Data Breaches. I was given an settlement claim number along free credit reports for 7 years but have unable to due to Equifax system being lo locked up. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. In accordance with FRCA evryything must be accurate. My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX $ XXXX am requesting these accounts to be deleted for they are not mine! 
15 U.S.C 1681 ( a ) Everything must be correct and accurate. Equifax have violated my rights by not verifying and instead of deleting, they fraudulantly said it ; XXXX verified when XXXX and XXXX have deleted the acccount due to having the wrong social security and date of birth on fraudualnt account! 
Remove this account or I will be forced to sue for unfair and inaccurate reporting on credit report.
Consumer complaint received 2023-01-18
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: LEXISNEXIS (MD)

XXXX is reporting an unverified incorrect erroneous bankruptcy on my credit report i have disputed the bankruptcy and they claimed to have verified it with LexisNexis why are you supplying your client in accurate unverified information i would like you to fix that since my report has no bankruptcy being reported on there
Consumer complaint received 2023-01-18
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. (NV)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any inquiry that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (OH)

I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.
Consumer complaint received 2020-04-23
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. (CA)

I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc. (NY)

On XX/XX/XXXX, my wife and I ordered a Tesla XXXX XXXX with an anticipated delivery date of XXXX XXXX. However, we were initially excited to learn that our delivery date had been moved up to mid XX/XX/XXXX. While we were excited, we needed to figure what to do with our currently leased vehicle which was not due back until XX/XX/XXXX. Furthermore, as we saw in the news, Tesla was looking to complete sales by year end we were offered an " incentive '' to take delivery before the end of the year. The " incentive '' was {$3700.00} ( which went up to {$7000.00} a week after we took delivery of our car ). With that being said we were somewhat disappointed we were not offered the {$7000.00} " incentive. '' Fast forward to Friday XX/XX/XXXX, and we come to learn that our vehicle 's price had now dropped from {$64000.00} to {$55000.00} ( plus tax ) nationally. Since then I have made two phone calls to Tesla to express my frustration and feelings of being defrauded by the company. The 2nd phone call I waited 2.5 hours on hold just to speak to a representative. Both representatives ( XXXX XXXX XXXX XXXX XXXX - In-Bound Team XXXX Region ) explained that there is nothing that they can do and they understand my frustration. Nonetheless, I feel as if this " incentive '' scam was an effort to milk as much money out of customers before the prices would change in less than 30 days. Even more frustrating, after a review of my paperwork, I could have delayed picking up the vehicle for 30 days without penalty ; and since my delivery date was XX/XX/XXXX, I could have delayed picking up my vehicle and fallen under the new pricing. 

While I do understand that prices change, this effort to " incentivize '' customers to take an early delivery of their car so they could make more money from my family, feels like a complete scam. When I asked how this creates any type of brand loyalty, both representatives were unable to answer my question with any honest sincerity.
Consumer complaint received 2023-01-18
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXXXXXX XXXX  Amount : {$460.00} Account : XXXX XXXX Owed : XXXX XXXX XXXX Amount : {$1000.00} Account : XXXX XXXX Owed : I XXXX XXXX XXXXXXXX Amount : {$180.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$520.00} Account : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-01-18
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.