davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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)

Attached you'll find the identity theft report I filled out with XXXX XXXX You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXXXXXX XXXX  {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXXXXXX XXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX  {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AL)

On XX/XX/XXXX I sent out a certified letter to a collection company to validate a debt that they claim is mine. I specifically ask for a copy of my contract with my signature on it that Prove this is  my debt. On XX/XX/XXXX I received a letter from the company telling me that they can not verify that the debt is mines but did not mention to delete it from my credit report. They are in violation of the Fair Credit Reporting Act. They did not respond with validation and proof that this is my debt. I feel like Ive been denied my rights of debt validation.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX which is the bank behind XXXX XXXX Credit Card as well as Paypal. 
My understanding is that any interest rate above 24.00 % is considered " userous ''  and therefore illegal. During this past month and within the previous 2 months out of a payment of {$79.00} they took {$50.00} in interest Before that I had a oayment that was higher and they took like {$79.00} in interest just after I had verified that I had money to the good on my account. I ended up in a conference call with XXXX, XXXX XXXX and myself to prove to them that I had NOT selected any promotion on the card. In fact there was n't even a selection for it on XXXX 's website. When I asked about the interest rate on the card the first time they told me 25.00 percent ... this month it was 26.99 percent. 
They do n't get to turn a credit card into a legalized " slush fund '' which appears what is happening here. Please look into this as well as forward this information on to the SEC, Better Business Bureau and IRS. I believe they are using illegal banking practices here or Mob type tactics and need to be not only investigated but held accountable as well. I believe what is going on here is that they automatically put everyone who makes a purchase on a 6 month financing or other promotion even though they do not select it as I NEVER had or have. When they said I had they outright blatently lied about it. That is how we ended up on a conference call to prove it.
Consumer complaint received 2023-05-11
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. (GA)

I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of identity theft.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

Westlake Financial when I called them on XX/XX/XXXX. confirmed on their recorded line that they repossessed my vehicle on XX/XX/XXXX. 

I Called asking if they had the creditor 's rights at the time they repossessed the vehicle. I was told they are the lienholder. 

Yes they are the lienholder, as the monies I paid monthly went to them. However having creditor 's rights is completely different from being the lienholder. 

Only if they had the creditor 's rights at the time of repossession would they have had the authority to repossess my car. 

If they did not have creditor 's rights at the time they repossessed the car and they still repossessed my car, what would that be considered. 

I also never received any correspondence informing me, they were going to repossess my car. If they sent one out. I need information as to, when it was sent out, and I need a copy of it resent to me. 

I also need to know if they had creditor 's rights at the time they repossessed my car. If they did not I need my car returned to me as soon as possible.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (FL)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-11
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. (SC)

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.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On monday, XX/XX/2025, i was contacted about a crashpad in which i would be renting a room in an apartment. I am a XXXX XXXX, so basically its a joke away from home when im on call. The alleged XXXX XXXX asked me to send a deposit of {$190.00} to reserve my bed for XXXX and to send it to her daughter XXXX XXXX in XXXX. Once I sent the deposit I was then blocked by XXXX. This has never happened to me within the 6 months of me being a XXXX XXXX. Ive contacted Bank of America about being scammed but I was told I may not get my money back.I also had my friend reach out to them and my friend was blocked as well
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (TX)

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 XXXXXXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has all these wrong address that do n't match up and a bunch of the same address as one. 
Experian just likes putting a lot of false wrong information on some one credit report so they can sell your information over and over. 

There is none of these address : XXXX XXXX XXXX XXXX XXXX -- -- -- -- wrong no such unit XXXX XXXX XXXX XXXX -- -- -- -- -- -- wrong not my address nor is there one. 
XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- - wrong same building not my address nor has it ever belong to me. 
XXXX east XXXX XXXX XXXX -- -- -- -- -- - wrong no apartment number not me My address is XXXX East XXXX XXXX XXXX XXXX XXXX Pa XXXX stop making up information I 'm reporting this to The FTC as well
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

I have been repeatedly receiving calls from XXXX XXXX. The number is XXXX. 

I think I have spoken to these guys before and told them I have never had any credit card with these guys, but they keeping calling for some debt that I have no information about. 

It has been a little excessive lately. Sometimes the calls are coming from an unknown number. A lady called me very recently and left a voice message with a call back number and extension : Phone : XXXX Extension : XXXX Kindly step in and help. I do n't really know these guys and do n't want to waste my time with them arguing about something that never existed.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (TX)

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, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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. (TX)

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, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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. (CA)

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX compass account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 BELIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

These inaccuracies constitute a violation of the FCRA. I request an immediate investigation and correction of these errors. Please provide written confirmation once these changes have been made. See attached Credit Disputes that were sent to Experian, XXXX and XXXX on several occasions. 


Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. 

YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX