davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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)

According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX SXXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-05-05
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (CA)

i bought this car on XX/XX/XXXX I thought I have a fixed rate but it keeps rising and it doesn't show what the rate is on the statement if it has changed or not .on my XX/XX/XXXX statement my due date is XX/XX/XXXX 2 months later. so hold my principal until the due date charging me more interest. even when I make the payments early I'm 2 months early. but still, have XXXX dollars in extra interest fees with misleading and changing information for regional acceptance corporation. I made payments of XXXX on XXXX and XXXX XXXX but my payment credit date shows XX/XX/XXXX charging me XXXX in interest. does not show a breakdown of payments and is misleading at best
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( XXXX ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-05-05
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. (CA)

To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from Experian, XXXX and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

I have never used XXXX software, but in XXXX of this year, my credit card was used by someone else on the XXXX website. So I reported the problem to the credit card company. But credit card companies are unwilling to deal with this problem. They think its not a fraud. They only ask me to pay back the money as soon as possible. I am very dissatisfied with the way and attitude of the credit card company in handling this matter.
Consumer complaint received 2020-09-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (VA)

Not only have I not received any information pertaining to this XXXX bill, nor was I notified that I could dispute this debt. It's also currently being reported by 2 different collections agencies on two different reports. They said the original debt was from XX/XX/XXXX. 


Both Companies are reporting the same thing below : XXXX Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Avante USA Opened : XX/XX/XXXX XXXX  Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Opened : XXXX
Consumer complaint received 2022-05-05
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. (NY)

I mailed out this request in XXXX of 2021 and still, my personal information hasnt been corrected to reflect my current address, name, and phone number. 

As a victim of identity theft, I do not want any incorrect information on my credit report that could potentially increase the risk of scammers obtaining credit in my name. 

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

and also in 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not given any of the agencies/companies or credit reporting bureaus my written consent to furnish and or sell my personal information to a third party or credit reporting agency. 

Thus, Per the Fair Credit Reporting act, The Right to Privacy and Permissible purposes of consumer reports, XXXX, Equifax, and XXXX have violated my rights. According to 15 U.S. Code 1681c. Section 5 - Requirements relating to information contained in consumer reports, states that any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Kindly ask for the second time that inaccurate information, including the accounts associated with the addresses or phone numbers listed below, be deleted immediately from my credit report. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NY XXXX Inaccurate Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Spouse or Co-Applicant : XXXX Accounts Furnished without my written XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-05-05
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

Since we are experiencing a national pandemic. I believed it would be a good idea to keep an eye on my credit by signing up with XXXX XXXX and XXXX XXXX. On XX/XX/2021 I received an alert from XXXX XXXX. The notification advised that Southwest Credit Systems flagged my credit report. I contacted Southwest in regards to this alert because I had/have no knowledge of the account ; the account holder ( Southwest Credit ) failed to verify this debt prior to reporting ; although, they had/have my current address on file ( and this was confirmed by a customer service representative as well as a supervisor ; also all phone calls are recorded so this can be confirmed that they had my " current '' address ) - yet they mailed the correspondence to a over five year old address. I feel as though, since Southwest had my current address they could have validated the account ; however, they decided to go another route which I look at as a scam tactic - which is shameless since we are experiencing a pandemic and money is tight for some.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

My name is XXXX XXXX. In XXXX XXXX, I went to XXXX XXXX in XXXX XXXX to obtain a vehicle. Everything was going great. I was told that financing was obtained and everythng was a go! So a little more than 2 weeks later, I had recieved a call from the sales professional who had delivered the car to me regarding that they had to unwind the deal due to financing was not obtained. I then at that time expressed that it was over the 10 business day time frame and that per Federal Regulations, financing had to be obtaned and I did not have to return the vehicle. Then I thought about it and I did not want the drama in my life. At the time I was in California visiting my family. When I returned back to Vegas, I went to the dealership the next day and returned the vehicle. I returned the vehicle in the same condition I drove it off in. When it came time to discuss returning my down payment, a bald gentleman stated that since they had to provide insurace, I had to pay XXXX. I tried to dispute the claim but in the end, U was returned XXXX approx. So I went home and did my research and found out that they were comitting auto fraud. I had been trying for almost 2 yrs to get my XXXX back. I have been very unsuccessful in doing this. The sales men at XXXX XXXX have verbally expressed to me that they dont owe me anything due to the fact that I signed a contract. I have tried to explain to them that the Federal rules and regulations superseed the contract that was signed. I had been going throught this for almost 2 yrs now. Today XX/XX/XXXX, I have been here at XXXX XXXX since XXXX this morning, watching them do spot deliverys all day and comitting fraud like its not illegal. I have been yo-yo 'd around all day. The XXXX told me that he would pay me my XXXX today. Well here it is XXXX XXXX  and I still an sitting here waiting for him to pay me and still i have nothing. I am so in need of your help. I am a single mother and grandmother and can not afford to loose this money. It seems like they are doing nothing but stringing me along and hoping that I will give up. Well they are in for a huge fight, I have read and studied the Federal rules and regulations regarding this type of situation. I know in my hearts of hearts that I am 100 % within my rights and that my rights are being violated by XXXX XXXX.
Consumer complaint received 2021-04-28
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)

4 independent complaints filed via this site. 

Vehicle lease from XXXX XXXX XXXX was reporters past due in error by XXXX for months in 2020. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later XXXX offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returnedXX/XX/XXXX XXXX  has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX XXXX at XXXX with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Collections Corp. (KY)

ACC and XXXX XXXX debt collectors call multiple times a week regarding a time barred credit card debt with XXXX XXXX XXXX. They called my stepchildren and left a voice mail regarding debt on my stepdaughter 's cell phone. I stated clearly by phone and text message ( they send texts too ) that the debt is time barred and advised them to stop calling. They continue to call. They threaten legal action on every call. Once collector last week called me names and threatened to sue me for everything I own. They have been calling for several years claiming to be an attorney and threatening to sue. They have never sent any documentation of a debt to me ever.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROSPERITY BANCSHARES, INC. (TX)

My identity was stolen in XX/XX/2017. It created financial hardships. However I was careful not to go past 30 days on mortgage payments. Then Hurricane Harvey XX/XX/XXXX and flooded my homestead with 32 '' and hit my second home in XXXX XXXX. I lost my complete office at my home and everything was in disarray. Total of both claims was approx. XXXX My credit report reflects I was late on my homestead and second home during XX/XX/2017, the month of Hurricane Harvey. I have asked for forbearance but the man just said payments are due first of month and I should have made the payments before the flood. He was very calloused and personal. 
I have sent Prosperity Bank copies of the XX/XX/2017 Sheriff 's report and Prosperity is very aware of the large FEMA claims.
Consumer complaint received 2021-04-28
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: Unlimited Progress Corp (IL)

I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.
Consumer complaint received 2020-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

After checking my credit report I have found numerous inaccuracies and violations. I have contacted Experian multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/2019, XX/XX/2019 & XX/XX/2019 all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ).

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

It is the sole responsibility of Experian to conduct a proper investigation and report accurate information on my credit report.