davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I made a payment to XXXX XXXX XXXX, it was taken from account on the XXXX then for no reason returned on the XXXX, without any notification from XXXX as to why. Then when trying to pay before a late fee was applied, I was charged twice because of a glitch on the website. After calling to have the extra payment returned I was promised that the over payment would be returned. Then returned both payments, one by mail and told that I had to make another payment and would be charged late fees and the late payments would be sent against my credit score which they have and has drastically effected my credit score.
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. (NY)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2017-12-05
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. (GA)

Equifax is punishing me because I am reporting them to you all. They just put my daughter, and my son negative information on my credit file. They know very well that is not my information. My son is the third generation, XXXX. I just got off the telephone with Equifax, and I explained to them that this is not my information. I told her I am reporting them, and she said, they are not going to remove it, and no one will make them remove that negative information. Why is this company getting a get out of jail free card? They are openly rebuking me since I filed this complaint. This proves another point, I tried to convey to them, and they do not care if I am Veteran, XXXX XXXX XXXX, or not. Why does this company have that much power? I am nervous writing this complaint, they will be coming at me again because I filed the complaint against them less than 24 hours ago, it is no way they could possibly investigate this matter so quickly.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Someone has been using my social security number to apply for credit. While it doesn't appear that they have successfully used my credit to gain a loan or credit card, they have added 13 inquiries to my credit report on TransUnion and XXXX. These inquiries range from XXXX to XXXX of this year. XXXX did investigate and removed all of these inquiries, but TransUnion is not being helpful at all.
Consumer complaint received 2024-08-12
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. (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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$21000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Information contained on ALL three credit reports ( XXXX, Experian, and XXXX ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX  XXXX. My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

My information was leaked in XXXXXXXX XXXX XXXX in the XXXX XXXX breach. To protect myself, I decided to set up accounts with the 3 credit bureaus and freeze my credit. XXXX and XXXX allowed me to do that. Experian has not. For the last 2 months, I have been trying to make an account and verify my identity. Something in their information about me is incorrect and they are unable/unwilling to confirm my identity. I can not reach anyone on the phone, their phone representatives are all robots that can not help me and state as such, and if you remain on their line for too long and say " talk to a representative '' too many times, it'll switch to XXXX and then hang up on you. I have tried every avenue to get ahold of someone and to fix this issue. I've submitted documents online and via mail, neither of which did anything -- they never even confirmed that it was received. One time, they even updated my address ( without me asking ) and even then, they STILL could not complete my account. They are advertising DIRECTLY to people who were victims of the XXXX breach, but they can not follow through. Lastly, the last robot/representative I spoke to just completely deleted my account instead of helping me. And then told me to try again in 24 hours, which did not do anything. I can't receive my credit report, I can't freeze my credit, I can't even see the information they have on file about me -- I can not make an account. But they have been spamming me with emails to buy their services, to complete my account ( which I CAN NOT do ), to review their " customer service, '' etc. They have my contact info and are using it to mass email me, but I can not login to get my credit report! They're trying to sell services to me while refusing to allow me access to said services! They are withholding my information and my report and are refusing to allow me the avenue to try and figure out what the problem is. It is a nightmare -- I don't know what the problem is, their representatives are completely unreachable, and Experian is just sitting on all of my information with it completely exposed and refusing to abide by the law. They are refusing to tell me what the issue is and they are refusing to provide me with my credit report and on file information, which they are legally obligated to do. I don't know what else to do, I've contacted every number, email, and social media page I could find for them.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc. (OH)

First off XXXXXXXX XXXX XXXX  has not sent me a new card I lost mine and requested a new one several times and it's been 6 months and my main issue is a had wrote a check and attempted to move the remaining $ out of my account with a mobile check cashing service called INGO MONEY and they declined the check but still took the money and haven't seen it since it was XXXX $
Consumer complaint received 2024-08-12
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. (FL)

To Whom it may concern.. 

XXXX Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX  authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, Transunion and Equifax.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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. 

Show me written evidence that XXXX  complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I initially took out the auto loan in XXXX. I called to ask if they could change my due date because the date they gave was before my pay period. They responded they don't do that. In the fall of XXXX I missed a payment due to a tax bill. Every payment afterwards has been on time. I have payment arrangements that i have kept to the day. XXXX and XXXX of XXXX I sent letters requesting to remove late charges thru my credit repair due to all other payments were on time. I received a letter back from them stating that my request was frivolous and irrelevant. I called on XX/XX/XXXX to ask if I have any options available like deferment and I was advised no, they don't offer anything to help you get back on track. She offered to send a request to the credit dept. to dispute my request and I told her that I had done that already which was why I was calling. I advised that I received the letter from them stating that my request was frivolous. She apologized and ended the call. This company only receives payments. They don't do anything to assist the customer if they have payment issues. Because my payments keep getting reported late, my credit score can not recover. Therefore, I can't refinance my loan. So basically I'm screwed because i can't afford the extra payment to stop them from reporting the payments late every month. Had I known that they don't offer anything to help their customers I wouldn't have taken the loan. It's basically set up to cause you to fail and be stuck in a loan that benefits no one but them. They refuse to offer any option to help the customer at all even though you advise that you are struggling, but willing to continue payments but need a little help. They do not operate like the average finance company that will offer you some form of assistance to keep you on track. They should not be allowed to get away with doing this to people. I will never be able to get my credit on track if this keeps up.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I bought a few cars. When I go to the dealership I tell them I already want to do business with a certain Bank, like XXXX XXXX or XXXX XXXX. I tell them not to run my credit through anyone else. but they do it anyway and send me to 7 or 8 banks to try and get a better deal without notifying me or without my permission. Per credit reporting bureaus I have to contact these banks to have them remove their inquiry. I've contacted these banks and they all say they don't have my information on file. So I was told I can get help here. Thank you, Below are the list of banks and companies that were not authorized to check my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Regrettably I have to file a THIRD complaint about yet another scamming debt collection agency, this time I.C System in XXXX XXXX MN. This follows on from two other complaints I filed against XXXX XXXX and XXXX XXXX XXXX, all three companies are harassing me for a supposed debt of {$1300.00} I owe to XXXX XXXX. I will reiterate what I have stated in the two other complaints in that I do not have and never have had an account with XXXX and this is complete fraud. As I commented in a previous complaint, I have no doubt that this IC System is in collusion with the other two companies to commit fraud on as many unsuspecting individuals as they can.
Consumer complaint received 2023-08-30
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-12
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. (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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12
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. (FL)

The accuracy of information associated with my credit report. The account in question is listed below, and despite a previous investigation, it continues to appear on my report with inaccuracies that are significantly damaging my credit score. I request that this item be re-investigated immediately. 

**Account Name : ** XXXX XXXX XXXX XXXXXXXX Number : ** XXXX **Dates of Alleged Late Payments : ** XX/XX/year> It is reported that this account is 60 days past due, which is inaccurate as I have consistently made my payments on time. The persistence of such inaccuracies is concerning and must be corrected.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request the names and business addresses of each individual with whom you verified the information regarding this account. This will allow me to follow up on this matter directly. 

Additionally, please send me an updated copy of my credit report once your re-investigation is complete. 

I have attached a screenshot to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report accurate and complete information.
Consumer complaint received 2024-08-12
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. (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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$830.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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.