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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 
15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681 ( 2 ) ( 1 )
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: Experian Information Solutions Inc. (MS)

I took a look at my credit report only to find out that someone has opened a XXXX XXXX XXXX  charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I started to get alerts that said that I had multiple lates with my Capital One Saks credit card. I contacted Capital One to get more information and to figure out what the issue was. I had spoken to multiple reps to figure out the issue. The first two reps gave me completely different information. One said I had no 30 days past due and the second one said i did and the third one said that it was two lates ( XX/XX/XXXX and XX/XX/XXXX ). I printed out a copy of my credit report and the only late I saw was from XX/XX/XXXX and it was a 60 day late. I am uploading a report from my XXXX credit report where it shows what i am claiming. I also spoke to my bank where I make the payments from and they suggested i provide proof of all my payments which i did. At this point I am very behind on a business project because I am not able to get additional funding due to this issue I'm having with Capital One. Evermore, I have never had any lates on any of my other 15 plus credit cards, ever! I pay all my accounts on time and I'm never behind.
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. (GA)

Hello, In accordance with the Fair Credit Reporting Act XXXX  Account # : 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, XXXX XXXX Transunion have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.
Consumer complaint received 2023-02-13
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. (NY)

In accordance with the Fair Act Reporting Act XXXX account # 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 : states a consumer reporting agency can not furnish a account without my written instructions.
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. (NV)

XXXX  account with acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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. (LA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TX)

I am filing this complaint against XXXX XXXX XXXX XXXX as well as the consumer reporting agencies for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$14000.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$14000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$11000.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$10000.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting a full deletion of this account from all credit reporting agencies due to their negligence in not conducting a proper investigation into the account, and to account for the negative impacts this incorrect reporting has had on my credit score. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JDJ Investments, INC. (LA)

I WILL BE MOVING FORWARD WITH LEGAL ACTIONS AGAINST CBS. 

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY CBS COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. Lets also not forget that CBS COLLECTIONS broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX 493 F. Supp. 701 ( D.N.D. 1980 ) ; XXXX XXXX XXXX, 950 f.2D 107 3D cIR. 1991 ) ; XXXX XXXX XXXX XXXX XXXX XXXX , Inc. 943 F.2d 482 ( 4th Cir 1991 ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ref # XXXX AND the XXXX.
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: Experian Information Solutions Inc. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MS)

Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.
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 — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX
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: Experian Information Solutions Inc. (CA)

My card was charged off XX/XX/XXXX in the amount of {$2500.00}. It was sold to a debt collector XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I settled and paid the card in full on XX/XX/XXXX to the debt collector. XXXX and XXXX removed the information from my report. XXXX will NOT remove this information because they state that XXXX XXXX ( XXXX XXXX ) is reporting the information as accurate. I have provided them with proof of the account being transferred to collection agency, I've attached proof of settlement letter and proof of payment. Every time I try and get help they say someone will follow up and help solve but nobody will contact me. It's been 4 months and I can't get this paid off debt of {$2500.00} removed from Experian- it shows as current debt.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have XXXX accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital One XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22
Consumer complaint received 2023-02-14
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: SYNCHRONY FINANCIAL (MA)

I was billed {$12000.00} for a XXXX procedure. The procedure was not fully completed due to health concerns and medical issues. The credit card company is not issuing full credit on the amount disputed. I did not receive the treatment and payment has been made. There is partial credit but they did not rectify the other credit as treatment was not completed. The company mislead the process along with the credit card company.
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: Experian Information Solutions Inc. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without your written instructions.
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX22 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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