davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights.

This account is not my account and he listed on the Police department as fraud account.

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 instruction.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (ID)

XXXX XXXX with Mountain America Credit Union in XXXX, Idaho led me to believe I was going from 14 % interest to 12 % interest with the refinance of my car. Ive recently discovered after my first payment that I was originally at 4 % which he did not disclose at the time. He turned his computer towards me with every document I had to sign and said this is all this is saying, go ahead and sign the computer pad. When I found out the bank said too much time has passed and I did sign the documents, so theres nothing they can do!
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-09
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. (VA)

Iv'e been putting fourth efforts tireless to correct the CRA 'S and the financial institutions errors concerning my account with certain confidentiality and information i consider private, with my written instructions i expressed to block, reverse, or hide all information containing to my Payment history ( Late Payments ) and Utilization ( My Transactions and Experiences ) due to the CRA 'S and financial institutions Willful non-compliance of not honoring my rights to privacy Pursuant to 15 1681 sec 604 sec ( a ) subsection ( 2 ) its a violation due to them dishonoring my written instructions, my rights to have privacy and 15 usc 1666b the creditors is using my identity without my authority to furnish information i expressed and instructed i do not want reporting or shared with any CRA 'S 1026.12 Special Credit Provisions
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX and will attach the response from XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have sent Experian credit reporting agency multiple letters of dispute and the are refusing to honor my dispute letters. I have sent verification to go along with my dispute letters and they refused to acknowledge them. Even going as far as to say that my dispute letters arent authorized by me, and I XXXX XXXX XXXX have both verbally and sent them letters to verify that they are in fact my dispute letters. I am also sending a few methods of verification requested by the Experian credit reporting agency, to prove my identity.
Consumer complaint received 2023-08-09
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 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.

The letters are stated with items and issues. 

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 2023-08-09
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)

Im not sure whats going on. On XX/XX/2023 I filed a complaint for an alleged debt that was reporting to my Equifax consumer report by XXXX XXXX XXXX. I have given them more than 30 days to produce proof of this account as well as any written permission that was given to them by me to furnish the alleged debt onto my consumer report. XXXX XXXX XXXX has since removed its furnishing of this account from my consumer report.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (OH)

Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against XXXX. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with XXXX, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from XXXX on credit reports.
Consumer complaint received 2023-08-09
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry DateXX/XX/2023
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-10-30
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (FL)

I enrolled into this program with understanding that after making six months of deposits that I would obtain a loan from XXXX XXXX  in order to settle all of my debts. I would not have signed up for this program unless I could obtain this loan. I called several times during the six months to ensure I was on track. The company is now saying that I may have to 8 or 9 months. This was not the expectation and they are not giving me any other reason. My credit score has signficiantly dropped and the Company is not telling me why I don't qualify. I've heard reasons such as credit scores which makes no sense since they told me my credit would initially drop. They never answer my request for a call-back and I have to call. I'm starting to think XXXX XXXX  doesn't exist and they lied to me in order to get my business.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-10-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I had a phone account open with XXXX phone company some years back. I did a trade in to switch over with XXXX XXXX XXXX. I returned the XXXX phone back through the mail to get my trade in credits with XXXX XXXX XXXX XXXX told me they would close the phone account because I no longer had the phone in my possession, after I sent the trade in back through the mail, They never closed the account and charged it as a debt collector on my credit report with inaccurate information without any of my consent or notification what so ever.I never new it was on my credit report & I want it off my credit report and they gave me a balance of {$250.00} dollars. I payed {$51.00} dollars on the collection. But I want to know if theyre goin to delete it off my report. I tried disputing it through the company and XXXX XXXX. The account was opened XXXX XXXX. Last reported XXXX XXXX. The balance left is {$200.00}. Can you help me please Im looking to start a business and it wont be a good look for lenders. Thanks a lot!
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (NE)

XXXX XXXX XXXX  XXXX CA XX/XX/23 {$5.00} ( XXXX ) with drawls XXXX XXXX XXXX XXXX XXXX CA {$15.00} total {$120.00} XX/XX/23 Called last week XX/XX/23 because XXXX XXXX XXXX XXXX XXXX CA took out XXXX {$18.00} withdrawals and they said they deactivated that card and a week later I have the above charges actually taken out of my account. No one is helping get my money back and they said I have to sign papers that will be sent in the mail to make sure it is our account. I gave them all my information and they still dont believe it is my account or I didnt do the charges.
Consumer complaint received 2023-10-30
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)

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, XXXXXXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC. (NY)

My credit card company went from OLLO to Ally bank. Immediately my monthly payment went up almost double. I can not afford to pay this because I am on XXXX. In no way has either of these companies try to work with me. When I asked for a phone call from a manager on a non-recorded line. Ive asked over 15 times. With over 25 phone calls from them. They call and then they hang up expecting me to call back. Ive asked for multiple pieces of information in regards to this account including a validation and a current billing statement with all of the debt included and interest and fees etc. etc. currently they are compounding interest on top of late fees and failure to pay monthly payment. Ive tried to work with them to no avail.
Consumer complaint received 2023-10-30
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: Experian Information Solutions Inc. (WA)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 ( cfpb ). ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. Experian data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on its data file and removed. They also initiated several disputes trying to communicate to Experian, yet Experian failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Experian is literally ignoring the information forwarded by its only data furnisher. Experian uses NO other data furnisher, and it clearly states that on their report. 

I demand that Experian send any and all physical documentation from the court and not merely state verification by a 3rd party as this is not in compliance of the law. 

Failing to do so is damaging my creditworthiness and reputation.
Consumer complaint received 2023-10-30
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. (MI)

After years of dealing with ultra low credit scores I have tried multiple different types of communication paths to get the correct information reported after having a credit account reporting that I was over due for payments and never reported any positive impact from any real accounts such as that show on time payments only information reported by trans union services reflected terrible credit history so much that I have not been able to find a single payday loan or anything after XXXX  years of paying with cash and only having paid bills for shelter and electricity and to receive only negative effects from the fact that all funding from my life can only come from myself as I am not awarded the luxury or right to have a opportunity to receive a loan to purchase a home for my family due to the inaccurate information depecting my family as untrustworthy to pay back or such a high risk that no such lender dare touch me
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordence with the fair credit reporting act XXXX. Account XXXX XXXXXXXX. And account XXXX XXXXXXXX. 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