davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (NJ)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( XXXX creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-02-14
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: SUN LOAN COMPANY INC. (AL)

This complaint is in regards to my formal complaints against SUN LOAN COMPANY.

Sun Loan has verified this account as accurate ; however, the HIGH balance reported on my credit report is {$350.00}. ( Attached ) Yet, you state I have refinanced for {$480.00}. 

Additionally, your claims are that No payments were received. 

On XX/XX/2019, XXXX XXXX refinanced his loan for {$480.00} ( attached ) This does not match with what is reporting on XXXX. 

XXXX, 2019 shows a rating of XXXX The rating key provided by XXXX details that OK means Current, paying or paid as agreed. ( Attached ) If it was true that no payments were received and I refinanced XX/XX/2019 then XXXX, 2019 would reflect 30 days and not OK as it reports. 

Please be reminded of : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

In XXXX of XXXX, I moved locations and with it utilities services. 

It is my understanding that two issues occurred, which have resulted in a debt being sent to a collector, Berlin-Wheeler. 

First, the return of rented equipment ( a modem/router unit ) was not properly recorded by XXXX XXXX XXXX The equipment was returned to the XXXX XXXX location on XXXX XXXX XXXX XXXX XXXX, LA XXXX ), in XXXX of XXXX. XXXX XXXX states they do not have record of the equipment return, and therefore charged an amount of {$120.00}. I was not notified of this charge or the following debt. 

Second, to transition service to the new address, the service provider ( XXXX XXXX ) created a new account rather than transferring service on an old account. The old account was not closed by XXXX, balances were not transferred to my new account, and I was not notified the old account was still active and carried a balance of {$20.00}. 

These two issues combined, resulted in an unpaid balance of {$140.00} owed to XXXX. Eventually, the debt was sent to/bought by the collector ( Berlin-Wheeler ) XXXX XXXX of XXXX. Both Berlin-Wheeler and XXXX state that mailed notices of the balance, and later collection, have been sent, but I have never received a notice. 

I discovered a balance was owed to XXXX, and had been sent to/bought by a collections agency, from review of a XXXX and XXXX credit reports. 

Through XX/XX/XXXX and XX/XX/XXXX, I have tried to resolve with Berlin-Wheeler and XXXX XXXX XXXX Berlin-Wheeler, the collector, states that they do not have the authority to resolve. XXXX XXXX states that amount owed is valid, but can not provided evidence that equipment was NOT returned and deny they mishandled transitioning services to my new address.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$8700.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
Consumer complaint received 2023-02-14
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 Act Reporting act 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-02-14
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 Act Reporting act 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-02-14
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8700.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
Consumer complaint received 2019-03-09
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. (NC)

I pulled my credit on XX/XX/XXXX due to being denied a loan thru XXXX XXXX on XX/XX/XXXX I discovered I had identity theft again I reported identity heft to all three major credit reporting companies in XX/XX/XXXX & XX/XX/XXXX I was recently notified that I have monies at the dc unclaimed Reported XX/XX/XXXX By XXXX. My XXXX card on all three credit reports The address of XXXX XXXX XXXX XXXX WASHINGTON DC # # # # # # THIS IS THE FEDERAL COMMUNICATIONS commission ADDRESS NOT MINE as reported on my credit report by XXXX  of XX/XX/XXXX EXPERIAN reported my XXXX XXXX account as closed but it was used after my credit report by experian said it was closed It also says reported in XX/XX/XXXX pprox. Reported where XXXX.inquiry.. XXXX XXXX letter of XX/XX/XXXX denies the inquiry on all three credit companies they said the only one they did was in XX/XX/XXXX when I purchased a car. 
Due to my experian and other reports having false info on them and me having identity theft registered with the FTC and confirmed in XX/XX/XXXX by the office of the comptroller for currency I requested via phone at experian to give me What addresses were reported by which creditor on my experian report Especially XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc And what phone numbers go with what creditors account due to the XXXX XXXX like number And XXXX are not mine along with 18 others on my XXXX report I requested this info from experian person via phone in XX/XX/XXXX. The male said I could not delete any addresses or phone numbers because they were linked to the creditors that reported the addresses and phone # .. to assist me in recovering from identity theft I need all that info And the dates reported info on all my accounts Did they report that to a unclaimed department of the United States . 
This will also help me catch the identity thieves and recover my missing million plus dollars unaccounted for Have then send me this info asap for court with my ex husband XXXX XXXX as if XX/XX/XXXX I also Need to know who reported my income AS what is stated on my experian report as Retired XXXX SECOND INCOME This sounds like my ex husband History. 
I worked for 45 years before I was put on XXXX. 
I also have 45 years of credit history why is there only 13 years on my credit Also why do all three credit reporting companies have my names totally different EXPERIAN has XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX XXXX has XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Ray Skillman Northeast Buick GMC Truck Inc (IN)

I went into Ray Skillman Gmc to do a consumer credit transaction in good faith ( pursuant 15 U.S.C 1642, 15 U.S.C 1681m, and 12 cfr 1002 ) but credit was not issued. They approved me for a XXXX and I was going to sign my papers. Then they changed the terms of the contract and said they couldnt sell me a vehicle. They said because I didnt have a license, they could sell me a vehicle if it was the lenders currency. But because it was coming directly from Ray Skillmans bank account then they couldnt sell it to me. 
Ray Skillman is in violation of 15 U.S.C 1681b ( 2 ) - I did not agree for them to run a consumer credit report. 15 U.S.C 6802 ( b ) ( 1 ) - They did not say I had an option to opt out. 15 U.S.C 1681a ( k ) ( 1 ) - Adverse action to the interest of the consumer. 15 U.S.C 1691 a ( 3 ) - I was discriminated against.

My credit card ( social security card ) ( Pursuant to 15 U.S.C 1602 ( i ) -any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ) was ran and I received no benefit which is proof of fraudulent activity. 
After this experience I feel disrespected, belittled, and hurt.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

Hello this is XXXX XXXX Ive recently been hit with a collections account on my credit report from AMSHERCOLLECTIONSERVICES Ive disputed multiple time and it has not been taken off my Credit File Report, they are not reporting the correct information onto my File.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (NY)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-13
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. (TX)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2020-01-28
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: CITIBANK, N.A. (VT)

Yesterday XX/XX/XXXX, I received a free copy of my credit report on www. XXXX Macy 's is listing that none of my payments have been received on my account from XX/XX/XXXX until present XX/XX/XXXX. In addition my account has a code as AID. 
I am not sure what this CODE AID means but I have never missed a payment. 
Macy 's may be listing me as deceased.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Under complaint number XXXX Transunion reported that two XXXX XXXX accounts were, but they are being reported on my most recent consumer credit report as of XX/XX/2023. This is what I mean as predatory reporting and activity. CFPB even referred to them as " out of control repeat offender ''. 
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director XXXX XXXX. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully. 
This statement alone proves that they can not be trusted, and their practices are unlawful. There are several unauthorized inquiries on my report. I was recently had adverse action against me as I was denied for a home loan. My Transunion score is the lowest of all three major reporting agencies and they have double accounts. They are reporting that I have over XXXX in XXXX loan debt when that is simply accurate. They refuse to give me their verification process through CFPB or when I call them. They have made false claims to the companies listed on my reporting stating that I am claiming identity theft when in fact I stated that Transunion has stolen my identity by furnishing a consumer credit report on my behalf. By law they can only do so under written instructions of the consumer. I have never consented to allow Transunion to furnish my identity to anyone. Transunion is defaming my character with these inaccurate accounts they are reporting. They are causing harm to my family and I. This reporting is causing my mental health instability by receiving adverse action against me and daunting phones calls from companies that I have no legal obligation to. I have requested that they cease and desist from reporting all hard inquires and negative reporting accounts. These companies like XXXX XXXX, XXXX XXXX and XXXX credit are not even authorized to conduct business in my previous state XXXX and my now new home state of XXXX
Consumer complaint received 2023-02-11
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. (NJ)

This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. Equifax had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing Equafax did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (FL)

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

I called the debt collector after seeing my credit drop on credit Karma. My identity was stolen and used to buy electrical service through a utility company in XXXX. I am in a panic as my social security number is being utilized for someone in Texas. I filed a dispute with XXXX credit bureaus and upon reaching out to the debt collector was told they do not email the necessary information to dispute fraud and to take care of my fraudulent debt. The agents name was XXXX - phone number XXXX. She then proceeded to ask me for my address phone number and spouses phone number. Clearly with the intention of still collecting the debt. This has been a harrowing experience for myself and my family. The debt collector told me without gathering all of this information they would not be able to dispute the fraud. This is clearly a violation of defined statutes and needs to be addressed. I still have no way to resolve the fraud as I refused to provide this information.