davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-08-10
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also stated 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 of the following items of information Any other adverse item of information, other than records 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 2023-05-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-25
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. (KY)

There is a collection account on my XXXX, EXPERIAN, & XXXX credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (AR)

my name at the time of this occurance was XXXX XXXX XXXX and on XXXX XXXX 2012 I typed up and hand delivered a notice to vacate my apartment before the lease term was up and listed the reasons why in this letter, and gave it to the Manager of the XXXX, chapel XXXX failed to provide a safe environment for my children and I so I gave them 30 days written notice and moved my children and myself outta that apartment complex, people in the stairwells doing and selling drugs offering them to my children when they come home, gunshots all the time I recall calling the police several times, unruly children and the list goes on and on ... the manager ignored all reports by doing nothing to prevent these things from happening. She did n't even live on the premises ... XXXX did not abide by the lease terms of providing a safe environment for tenants and they should not be coming after me for the remaining lease and ruining my credit, I had no choice but to move for the safety of my family!
Consumer complaint received 2023-05-23
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. (VA)

I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


1.XXXX XXXX XXXX Account # : XXXX please investigate and delete 2.Bankruptcy Reference # : XXXX XXXX XXXX please investigate and delete
Consumer complaint received 2023-05-23
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. (CA)

Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, Transunion and XXXX. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX as individual and charged off.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc. (FL)

I went to buy a car, and the car price was {$19000.00} on the internet. The manager told me she removed {$2000.00} on the sale price. The car price should have be {$17000.00}. She asked me {$2000.00} down payment. During the process, the down payment couldn't go through. He asked me to go get cash. He said come back tomorrow. When I came back the next day and give the finance manager the cash, he took the cash and refused to fill out the paper work. He insisted my signature was already on a loan for $ XXXX. He didn't provide me a correct registration. He said there was still a lien with someone else on the car. Also my registration did not go through. I return the car back to him after he said all of these words. He said wait for 30 days. I called the finance department about the situation. They said that if my signature on it it is legal binding. I didn't remember sign these paperwork with him. He gave me an envelope with paper in it. The financial institution changed from the one he mentioned. He also give me a fake credit score to trick me. They finance department said my {$2000.00} cash was a gift or for repair. They refused to fix the account. Instead, they took the car without notice while the finance department told me they were investigate the contract. The car was repossessed with all of my documents in it.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

According to Experian on XX/XX/ a full investigation was conducted and that all accounts on my profile was verified from each company and are correct which I have found this to be false. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Ive disputed these accounts on multiple occasions now and they claim to have verified this information being accurate which is false and have failed to provide me with proof of verification. The accounts still have inaccurate information causing damage to my consumer report. None of these companies presented a signature of me agreeing to debt or identification and the accounts were placed back on my profile without notifying me within 5 days which is violation of 15 USC 6802 which states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Also these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I need the following listed accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (AZ)

In XX/XX/2023, Credit Karma and XXXX invited me to apply for a XXXX XXXX  also XXXX XXXXXXXX XXXX XXXX card with excellent approval odds. I proceeded to use it on XX/XX/XXXX, XXXX XX/XX/2023, to be denied the credit! At the time Credit Karma is offering a {$50.00} convenience fee for applying if the application results in denial. I have not received either payment for either application. Credit Karma is also reporting invalid contact information for myself as well, which has been updated several times. Please inform the credit bureau to use updated contact information.
Consumer complaint received 2023-05-25
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. (MO)

According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2023 I was invited to apply for a XXXX XXXX XXXX Credit card through EXPERIAN with excellent approval odds, Only to be denied in return and also affecting my credit score by lowering 70 points. I was on my way to a great reporting status until the denial of credit through Experian after being denied. This denial also attaches a few hard inquiries to my report which is an injustice.
Consumer complaint received 2023-05-23
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. (FL)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-01-15
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: SYNCHRONY FINANCIAL (AL)

XXXX XXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
Syncb hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
XXXX XXXX hard inquiryXX/XX/XXXX ( not authorized ).
Consumer complaint received 2023-05-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

My student loan was switched over from XXXX XXXX, to Navient without any notice. After the change over Navient stopped sending me bills, assumed I would pay my bills online, and locked me out of their online platform. After many attempts to pay my bills, and finally receiving online access I requested that Navient send me paper bills via USPS. Navient did not fulfill my request and after many times talking to overseas representatives I was finally able to get paper bills in the mail. Several years went by, my wife and I purchased a home and navient began not sending bills in the mail again. When it came time to refinance on my home I was told that my near perfect credit score had plummeted to XXXX, and that I was 3 months delinquent on my student loans. At no time did Navient attempt to contact me about collecting on the loan, at no time was a letter sent to my residence about late payments, and at not time was an email sent to me explaining the delinquency. I contacted customer service, payed my bill in full, and was told that they would not help me in changing my credit status, and that it was not their fault they did n't send me bills in the mail to pay. I was told to sign up for automatic debit for my account. I signed up for automatic debit from my checking account, and payed extra on my bill. Today I received an email that my account is past due 2 months and that I was being charged late fees. When I contacted customer service I was told, from another overseas representative, that my checking account had insufficient funds. This statement was false because my checking account was flush with enough funds to pay my student loan bill, and another loan company who I borrow from had no problem auto-debteding from my checking account. It is my belief that Navient is using deceptive billing techniques, and unreliable overseas customer service in order to collect late fees from their customers. Navient holds hostage of their customers credit scores for financial gain. Both my wife and I had exemplary credit and never had a problem paying our bills due to our gainful employment.
Consumer complaint received 2023-05-25
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
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. (TX)

THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2023-05-25
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. (AR)

I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) XXXX5 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Consumer complaint received 2016-07-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Hollis Cobb Associates (MD)

This alleged company has contacted day/evening. Never leaves a message nor identifies who they represent .never a name is rendered just the threat of action of filing papers against you immediately. 
I researched the many nos. that have come thru and established they are allegedly as follow : Patients Account Bureau XXXX XXXX XXXX XXXX, GA XXXX ... 
AKA XXXX XXXX I have attempted to ascertain why they would be calling/emailing me since there are no lingering medical bills in my life! 
A series of nos. have been used : XXXX XXXX XXXX XXXX I have been subjected to identity theft in the past and scams. But again, these calls and emails are malicious otherwise I would not be prompted to contact the FTC Thank you I look forward to your response.. 
Thank you
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (IN)

On XX/XX/2023, I, XXXX XXXX, contacted Rent Recovery Solutions LLC, requesting that I be mailed the following documents in reference to a debt : a. Original Contract b. Billing associated with account c. Creditors information d. Authorization to collect debt However, Rent Recovery Solutions indicated that they will not send a copy of the authorization to collect the debt to me.