davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions
Consumer complaint received 2023-09-05
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. (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.

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 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2023-09-05
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. (CO)

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.

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The accounts are due t identity fraud/theft therefore i am not responsible nor liable for them. Per 15 usc 1681 b the companies and bureaus are violating my rights as a consumer and i am requesting that these accounts be removed, blocked, and deleted asap!
Consumer complaint received 2023-08-16
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. (MI)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KS)

i was never on this account or responsible for such-please remove from my file CRA refusesAccount nameXXXX XXXX XXXX MI XXXX*XXXX*XXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balanceNot reportedStatusTransferred, closed. 

Date openedXX/XX/XXXX/2007 Details Not mine or No knowledge of account Additional information not mine i am was never on this account
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am seeking validation from each creditor that has requested access to my credit report for as you put it " permissible purposes. '' I have contacted the creditors directly at your request and when the Customer Service Representative and supervisors was not able to pull up information on me, I requested a letter of Deletion as I was instructed by your agency to do. I was denied in my request since there was no actual account information on me. So I am curious as to how you were able to successfully validate this inquiries to be true and correct when the Credit Agencies could not. 
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
I am again requesting that you validate each inquiry reporting on my credit report as well as providing me the contact name, department, and phone or email address along with verifiable proof that they had " permissible purpose ' to request my information in witting. 
As already stated, the items you are reporting are inaccurate and incomplete, and is very serious error in reporting. 
Rather than admit nothing was done on their end, I receive a standard Brush Off answer that I 'm suppose to accept. I sent over a notarized letter indicating inquiries in questions which I have no knowledge nor provided authorization to obtain. These inquires are hurting my overall credit score and have been the reason for recent accounts denials. The information is inaccurate and unless they can provide me with proof of permissible purpose, I want those accounts removed.
Consumer complaint received 2023-09-05
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: Aldridge PIte Haan, LLP (GA)

to whom it may concern this is to inform you that the lawyers have given this allege account to is not responding to my letters XXXX XXXX XXXXXXXX XXXX  and this is to inform you that if don't get my desired remedy in the next ten ( 10 ) days i will commence arbitration/ federal complaint proceedings
Consumer complaint received 2023-09-05
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. (NM)

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.

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 2023-09-05
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. (NC)

I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you XXXX XXXX XXXXXXXX XXXX XXXX XXXX are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit report immediately.
Consumer complaint received 2015-12-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: American Capital Enterprises, Inc. (HI)

I told them that they are not licensed to collect a debt in my State of Hawaii. And that they should cease collection including verifying with the bureaus and removing themselves from my credit reports as they are committing a crime against a consumer by not being licensed to collect any debts in my State. They ignore the facts and continue to blemish my perfect credit with their illegal tactics. They also have failed to respond to my letters for them to validate this debt! I guess it 's because they are breaking the law.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaints regarding XXXX XXXX inaccurate reporting were submitted to the CFPB on XX/XX/XXXX ( # XXXX and on XX/XX/XXXX ( # XXXX ). XXXX XXXX has provided a response ; however, the response is insufficient. The response from XXXX XXXX does not provide an explanation for the concerns raised in the complaint ; specifically, an explanation as to how late payments incurred in XX/XX/XXXX and XX/XX/XXXX after the account was closed and had a {$0.00} balance in XXXX and XX/XX/XXXX. 

Accordingly, I continue to dispute the inaccurate reporting of two late payments being reported by XXXX XXXX. I am again requesting an explanation as to how an account that was closed, with a {$0.00} balance for several months could owe a minimum payment on the account, several months after the account was closed. If XXXX XXXX is unable to sufficiently explain this issue and address this concern with factual information and adequate supporting documentation, then the inaccurate, derogatory information must be removed in accordance with Federal guidelines. 

In a letter dated XXXX XXXX XXXX indicated the following, In regard to the delinquencies that have been reported on your account, our records show the following billing and payment activity : On XX/XX/XXXX, the account billed with a minimum payment of {$20.00} due by XX/XX/XXXX However, what XXXX XXXX fails to acknowledge is that the minimum payment due by XX/XX/XXXX is where the inaccuracy begins. 

XXXX XXXX also fails to acknowledge that, per their own records, the balance on the account as of XX/XX/XXXX was - {$75.00}. As a result of adjustments, albeit inaccurate, as of XX/XX/XXXX the account balance was {$0.00}. At that point, the account was already closed ; therefore, after the account was closed in XX/XX/XXXX and the balance on the account was showing {$0.00} in XX/XX/XXXX, no additional charges could have been made by the cardholder. Therefore, there should have been {$0.00} minimum payment due by XX/XX/XXXX. There was no balance on the account to owe a minimum payment on. 

XXXX XXXX failed to provide any statements between XX/XX/XXXX and XX/XX/XXXX to support their assertion that the account had an outstanding balance which would have required a minimum payment due in XX/XX/XXXX. 

Therefore, XXXX XXXX reporting of late payments in XXXX and XX/XX/XXXX are inaccurate. The continued reporting of inaccurate, derogatory information is a blatant violation of Section 623 of the Fair Credit Reporting Act.
Consumer complaint received 2016-12-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: AES/PHEAA (OH)

At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXXXXXX  Property address XXXX XXXX XXXX, XXXX, NY XXXX Account # XXXX To whom it may concern, I need answers to my questions, if you can not provide answers, please find someone that can so we can save some time here. 

Summary : I have requested a DIL back in XX/XX/XXXX, my request was not acted upon until XX/XX/XXXXXXXX  and then I find out the deed on the house was not considered valid. It then took months for TD to correct the deed. Then I am being told that the DIL can not go forward since there are taxes to be paid. At that point apparently I owed about {$45000.00} to XXXX XXXX. If the deed would have been corrected immediately, the bank would have owned the house and there would not be an issue. 

I have paid taxes for an entire year when I requested a DIL. There was plenty of time for TD to correct the deed ( which I did not know at the time was incorrect ). 
I need TD to correct my credit, my credit is now ruined because of this situation. 
Does anyone feel responsible for anything in my situation, and if you do what will be done about it? 
I need to know WHEN this ordeal will end and HOW it will end, what is left in the process, what are we waiting for etc. 
To top it all, I got a letter from TD bank that I can still live in my house until a judgment is rendered. This is 6 years later, after they have locked the house and charged me with inspection after inspection. 

To the judge : I would appreciate it if the judge would read this and attempt to correct this situation. Here is what I want : Take ownership of the house and correct my credit.
Consumer complaint received 2023-09-05
Product: Credit reporting 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$400.00}.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

I bought speakers from a new seller on XXXX on XX/XX/, and the seller negotiated the purchase via email the seller wanted to pay for the product by transferring money to the XXXX 's deposit account but the transfer was unsuccessful because the account number was found to be wrong. Then the seller let me transfer money to the bank account as follows : Account Holder : XXXX XXXX Bank Name : WELLS FARGO BANK , N.A . 
Account Number : XXXX Routing Number : XXXX Amount : US {$740.00} Transaction Date : XX/XX/ Then the seller urges me to send a copy of the transfer receipt. 

Later, the seller changed the name in the email conversation from XXXX to XXXX, which made me suspicious. So check out the top seller 's ads. XXXXXXXX  which was found to be banned, including the seller 's user account was also banned.