davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (IL)

On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-18
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-10-30
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. (CA)

I recently checked my credit report and noticed an inquiry from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

In accordance with federal consumer protection laws, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) have been violated. Below is a summary of the relevant statutes and the issues at hand : XXXX. Violation of FCRA ( 15 U.S.C. 1681, Section 602 ) : The FCRA emphasizes the need for accuracy, fairness, and respect for consumer privacy in the collection and use of credit information. This includes my right to privacy concerning the disclosure and use of my credit information. 
XXXX. Violation of FCRA ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : Consumer reporting agencies are prohibited from furnishing a consumer report without my written consent, except under specific permissible purposes as outlined in the statute. I did not provide such written instructions in this case. 
XXXX. Violation of TILA ( 15 U.S.C. 1666b ) : Creditors are prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date or within any applicable grace period. 

I request an immediate investigation into these violations and corrective action to address the impact on my credit and account. Please confirm receipt of this communication and provide a timeline for your response.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (CA)

The Debt was originally from XXXX XXXX and Midland Collection Agency bought it, its over 9 years old and was going to be a charge off they sent me fake court documents and were yelling at me, I called XXXX XXXX they are removing the bad report but Midland is still Harrassing me
Consumer complaint received 2023-04-18
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. (OH)

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 Acct # 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

Date reported XX/XX/2021. 
I had debt collection from CitiBank for XXXX $ and I have paid this amount ( as soon as I got this notice ) to collection agency. 
I owe nothing right now to CitiBank. 

I had financial struggle at that moment, since that I have never had an issue with debt collections. 
Also I've tried to contact CitiBank support with no luck. 

Nowadays this negative mark hurts my credit report.
Consumer complaint received 2024-10-30
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. (AL)

I've located errors on my credit report tied to 15 USC 16c-2. The inquiries recorded were not approved by me, and this incorrect information is hurting my credit. Please erase all unauthorized hard inquiries. Thank you!
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX I opened a formal dispute to Barclays Bank of charges to XXXX XXXX XXXX in the amount of {$4700.00} for the months if XX/XX/XXXX through XX/XX/XXXX for services that were not rendered for a vacation resulting in a conflict of agreement with the merchant. XXXX XXXX XXXX failed to make contractual payments to the hosting facility ( XXXX XXXX XXXX XXXX XXXX ) resulting in breach of contract and the cancellation of the planned event. XXXX Getaways notified their patrons 24 hours before the planned event via email. I emailed XXXX XXXX several times but received no response to confirm that the event had really been cancelled and how to get a refund. I attached a copy of the email as documentation to Barclay 's for review. Hard Rock XXXX XXXX released a statement stating that Music getaways breached the contract and there were no rooms reserved for Music Getaway guests.- I submitted that documentation for Barclay 's as well. 
XXXX XXXX sent out several emails stating that they were at fault. I sent that documentation to Barclay 's as well. 
In all, I sent Barclay 's XXXX pages of documentation of the cancelled event to support my case. 
Barclays bank stated that the charges from XXXX XXXX  were vaild and that the merchant provided XXXX pages of documentation that a credit had been added to my account for future events. 

XX/XX/XXXX Second dispute to Barclay 's bank asking them to reopen my cases. I advised Barclay 's that I did not received tickets/nor credit from XXXX XXXX. I also in formed them that XXXX XXXX gave all customers the option to either receive a refund directly fom them or dispute the charges with his/her bank ( in which they would not contest ) or transfer to a future event. I provided documentation from the merchant 's website to support this claim. 
Barclays bank closed the case stating the the merchant provided me with a credit for a future event and they would not honor my documentation. They did not even review the additional documentation submitted. 

XX/XX/XXXX My third dispute to XXXX 's bank authorizing them to reopen my cases. I informed Barclay 's that XXXX XXXXs altered the original contract that was submitted to them. I provided a copy of the original for review. I elaborated that there is no information in the original signed document about a no refund policy/ nor a credit. XXXX XXXX submitted a fraudulent document to Barlcay 's Bank. XXXX XXXX has since wiped clean my account information and all future events have been cancelled. 
I also informed Barclay 's Bank that XXXX XXXX has since filed bankruptcy and I provided the filing number and number to the court. I am awaiting a response.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This loan was paid off in full in XXXX of 2013. XXXX XXXX never closed the account, alleging we were issued a refund in an amount greater than what was owed. Why would they issue us a refund if we were paying the account in full? Regardless, we never received this alleged refund. This is corruption. XXXX acquired the loan and asserted we owed {$1000.00}, and now XXXX is asserting the same false claim. XXXX XXXX and XXXX were both revoked from servicing federal student loans due to misleading business practices. How long before XXXX suffers the same fate? Well, heres complaint number XXXX! They are attempting to service a loan that was paid off in full 11 years ago. Due to the extensive length of corruption from XXXX XXXX and XXXX, XXXX has now absorbed the same unethical, inappropriate practices that lost XXXX XXXX and XXXX this privilege. This is affecting my credit score, and I am extremely dissatisfied. XXXX is making false claims, and they failed to correct it.
Consumer complaint received 2023-04-19
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. (MO)

XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

In XXXX, XXXX XXXX XXXX sold my loan to Westlake Financial without informing me a day after I paid my car payment. They informed via letter 2 weeks after I demanded written notice of my account being sold. Westlake harassed me for a week, daily, telling me if I didnt pay my late car note that they would send it to collections. They had not even received any of my account information from XXXX XXXX XXXX yet per THEIR WORDS. I kept telling them I had paid it right before they sold it to them, but they kept calling me. Finally, after a week, they got in contact with XXXX XXXX XXXX to verify I had made the payment. I have made XXXX payments so far on the car and NONE of those payments have been reported to the credit bureau, and every time I call and ask why they have not been, they tell me its XXXX responsibility to report the first 6 months, and then when I call XXXX, they tell me they no longer have my information and that it is Westlakes responsibility. When I tell Westlake what XXXX said, Westlake tells me that they do not even have the first 6 months payment history and again, it is XXXX responsibility. Regarding the 2 months Ive been with Westlake, they have not reported those either even after I have filed 2 complaints to them and they said We report to the credit bureau the first week of every month. I have a strong feeling my account will be sold once again and I will go through this problem once more just so my credit continues to stay the same. I have worked very hard to keep a 100 % payment history and I have nothing to show for. To make sure I can not refinance my car and keep me with a high interest rate and loan balance that has yet to decrease by the way!
Consumer complaint received 2023-04-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX  and Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-04-19
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (MS)

Unauthorized hard inquiries are appearing on my report, causing harm. Under 15 USC 1681b ( c ) ( 2 ), I request immediate removal of these inquiries.
Consumer complaint received 2023-04-19
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: LEXISNEXIS (NJ)

I have repeatedly requesting from Lexis Nexis to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, XXXX and XXXX all continue to verify this bankruptcy all siting that Lexis Nexis their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor Lexis Nexis, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

Lexis Nexis does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore Lexis Nexis is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

There are two inquiries on my credit report that I did not authorize nor had any prior knowledge of their existence. Please see below Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : XXXX Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : Experian
Consumer complaint received 2023-04-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2000.00}.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : 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 XX/XX/year> XXXX XX/XX/year> CAPITAL XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-11-01
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. (MA)

I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX  BAN XXXX {$950.00} / {$800.00}
Consumer complaint received 2023-04-19
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. (NJ)

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. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : XXXX  XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account 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 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.