davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-08-23
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. (TX)

I contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax won't verify me unless I provide a credit report to them. 

I called XX/XX/XXXX to unfreeze my credit report. I could not do this online because when I froze the account in XXXX, they did not have an online account system in place. The customer service person proceeded to ask me for the usual info : name, social security number, address, birthdate, and Equifax PIN That was not enough to verify my identity. They asked me : - my mortgage company name and monthly payment amount - all the credit cards I have and the balances - whether I have ever had a bank loan in my ENTIRE life ; who the lender was and what the amount was At this point I got mad and asked to speak with a supervisor. While on hold, I went online and tried to set up an online account which asked me for my name, social security number, address, birthdate. 
I asked to unfreeze the account and, shazam, it was done. 
Then, the so-called supervisor picked up and I asked why they needed so ask me so much on the phone when the online account management was so much easier. Of course, she didn't even address my question, but continued her script and said that she didn't know but next time I should get a copy of my credit report before I called. 
Here 's my question : if my account is frozen, can I even get a copy of my own credit and if Equifax can't verify who I am, how can I get a copy of my report?
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (ME)

Please reference case # XXXX closed XXXX. Again, I do not owe the balance in reference as on three separate occasions the sewer backed up in the 2nd floor bathroom. Please see case notes from the XXXX XXXX XXXX below as the case was dismissed. 


Case Type Housing Court Summary Process Case Status Closed File Date XX/XX/XXXX DCM Track : Initiating Action : SP Summons and Complaint - Non-payment of Rent Status Date : XX/XX/XXXX Case Judge : Next Event : Property Address XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Plaintiff Alias Party Attorney Attorney XXXX, XXXX, XXXX A Bar Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone Number ( XXXX ) XXXX More Party Information This is tooltip Text. It should display nicely. 
XXXX, XXXX - Defendant XXXX XXXX Attorney Attorney Pro Se Bar Code PROPER Address Phone Number More Party Information This is tooltip Text. It should display nicely. 
Events Date Session Locality Location Type Result XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Summary Process Trial Dismissed Docket Information Docket Date Docket Text File Ref Nbr. 
XX/XX/XXXX XXXX XXXX : Entry of Action filed ( Section XXXX - M.G.L. XXXX XXXX, XXXX ) SURCHARGE Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX Summary Process : MGL Chapter 185C Section 19 ; Chapter 262 Section 2 Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX SP Summons and Complaint - Non-payment of Rent XXXX XX/XX/XXXX Notice to quit filed XXXX XX/XX/XXXX Scheduled Event : Summary Process Trial Date : XX/XX/XXXX Time : XXXX XXXX Result : Dismissed XX/XX/XXXX Event Resulted The following event : Summary Process Trial scheduled for XX/XX/XXXX XXXXXXXX XXXX has been resulted as follows : Result : Dismissed Reason : No one appeared Appeared : XX/XX/XXXX After notice and opportunity to appear for the following event : XX/XX/XXXX XXXX XXXX Summary Process Trial the above entitled matter is dismissed for the following reason ( s ) : * Neither party appeared.. XXXX XX/XX/XXXX Case Disposed Case Disposition Disposition Date Dismissal XX/XX/XXXX XXXX XXXX XXXX  XXXX an equivant company , XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (IN)

I have a Judgement against me by XXXX XXXX. 

Recently XXXX XXXX in the case submitted Documents regarding the sale and transfer of the debt from several prior owners. ( See attachments ). 

In each of these Bill of Sales there was not one instance where there was any information submitted that specifically names the debtor. It mentions files being attached regarding each sale and transfer but there was nothing Consumer specific listed in any of these Bills of Sale, etc. 

According to the Consent Order that XXXX XXXX agreed to on XX/XX/2015 on pages XXXX thru XXXX under the Subheading : PROHIBITION AGAINST THREATENING OR FILING COLLECTION LAWSUITS WITHOUT AN INTENT TO PROVE THE DEBT, IF CONTESTED : Encore, which is XXXX XXXX parent company, is permanently restrained and prohibited from initiating a Legal Collection lawsuit unless in possession of Original Account Level Documentation which must contain the following : " A Bill of Sale documenting the transfer of ownership of the debt which must include a specific reference to the particular debt being collected upon. '' Again, as you will note in the attachments there were never any specific reference in these Bills of Sale to the debt being collected on. 

On page XXXX item XXXX of the consent order that XXXX XXXX agreed too it also states : For the Dispute Affidavit Lawsuit Debt that has yet to be collected ... Encore must within 90 days of the Effective Date of the consent order being issued : a ) Withdraw, dismiss or terminate all pending Dispute Affidavits Lawsuits, b ) Release or move to vacate all Judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c ) Cease post-Judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits. 

As you can see XXXX XXXX has again violated the terms of this consent order. 

I recently lost this case in court having pointed out to the Plaintiff regarding the need for account specific information in the Bills of Sale in court, yet no acknowledgment was ever given on it. 

As I stated this debt is not mine and still dispute it. 

The Plaintiff began garnishing my wages on the Judgement recently so a speedy resolution to this would be appreciated.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-08-23
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: AMERICAN EXPRESS COMPANY (GA)

I recently pulled my credit and I saw that I am listed on my family member account Amex credit card as authorized user. I never authorized this and I would like this removed from all three credit bureaus immediately and deleted on my credit report. I already have established credit and I dont know why Amex have me listed as authorized user.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I've contacted this company several times to have the debt removed from my credit report! I've sent this Collection Agency a copy of my Police report, Social Security card, and identification, but yet this item remains on my credit report. The company received these documents by certified mail, but have yet to remove the account. I will be following up with the fair Credit Reporting Act regarding this matter! I will also proceed with legal action if this account is not removed from my credit report within 30 days!
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CARDPLATFORMS LLC (CA)

I hired an attorney to help me with my Social Security XXXX hearing. As part of their package they sent me a " MY KEEPS '' card and told me " if needed '' to use the card until my hearing date to go ahead and use it. I didn't use it at all. Approx. three weeks after the hearing I called my attorney to find out they were paid and the balance went to " MY KEEPS ' ''. On XX/XX/2018 I closed the account {$1100.00} balance they said " WE WILL '' mail a check on Friday XX/XX/2018. Up to this day .... " the check is in the mail '' I call and call every rep. will only give their first name with long periods on hold other times to the point of automatic disconnect waiting. Today XX/XX/2018 on my third attempt ... I finally spoke with XXXX ( a manager ) she told me " WE WILL '' mail a check onXX/XX/2018 this Friday to expect it by the middle of XXXX. I wonder if I will see a check then either! THIS IS NOT RIGHT!!!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXXXXXX XXXX XXXX  under the account number XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent charge-offs and late payments appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge-offs as reported. The aforementioned accounts, charge-offs, and late-payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, and late-payments are the result of identity theft and fraud.
Consumer complaint received 2018-08-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (NV)

A person called me claiming that were collecting a debt from XXXX and that they worked for a company called XXXX, which when I search it is a clothing company, and called from a number that when I searched it did not show a name of a company. The number is XXXX XXXX. 

They threatened to serve with me lawsuit papers if I did not pay them the amount owed of {$820.00} today., They stated that they knew where I worked and what day I get paid. 

Very threatening and abusive
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing regarding an account with XXXX XXXX XXXX that was in collections. On XX/XX/XXXX, I fully paid the outstanding balance of {$390.00}. However, despite the payment, this account still appears as unpaid on my credit report. 

Please update the status of this account to reflect the payment made, and I kindly request its removal from my report at your earliest convenience. Attached is a screenshot confirming the transaction.