davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. Experian XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.
Consumer complaint received 2022-03-23
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-23
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Equifax refuses to abide by the laws put in place to protect consumers. I am at the point of seeking and obtaining legal representation to help with this matter. I have sent XXXX dispute letters to them directly requesting proof of the inaccurate accounts listed on my credit report. I also submitted proof that my personal data and security information has been compromised in the Equifax data breach. My most recent letter was mailed XX/XX/XXXX, again requesting proof or that they permanently removed the inaccuracies. To date I have yet to see any accounts removed, have not received any proof of accounts or contracts bearing my signature, nor any correspondence from Equifax that my request had been received. According to the XXXX I have the right to receive proof of debt if I am disputing its validity. Equifax continues to purposefully and maliciously break the law. They continue to report information that can not be verified. My credit history is blemished with false information and they refuse to comply with the laws set before them. I am honestly really tired of having to suffer financially because of this. My next recourse is to hire legal consul and ask that not only this information be permanently removed but that I be awarded damages for the trouble this has caused. And furthermore it appears that CFPB is also not forcing credit bureaus to abide by the laws set to protect consumers. I am at my wits end and I need you all to actually help and not allow Equifax or any other credit reporting agency continuously and purposefully not follow the law. I want these items removed promptly. Equifax has continuously disregarded time frames set and does not adhere to the laws set by the XXXX. I will not give up until this matter has been resolved.
Consumer complaint received 2022-03-23
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: World Acceptance Corporation (GA)

Requested a dispute with CRA 's. The dispute was a detailed compliant about the information being reported on my credit profile.This particular account from World Finance is reporting inaccurate late payments. The Late payments are inaccurate from XX/XX/XXXX to XX/XX/XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation. 

World Finance Corporation incorrect information on my credit profile. The incorrect info is the late payment for XXXX of XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-08-24
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2022-03-22
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)

In accordance with the Fair Credit Reporting act 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 a 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.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 2022-03-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

I used this platform recommended by someone I met online. Its called gemini, I used my saving XXXX aud and he lend me XXXX usdt so i can trade more, he sent it directly to gemini then we earned more than {$170000.00} usdt and we were asked by gemini to pay 10 % personal tax of my assets so we did that XXXX the man i met online helped me to collect funds for tax then we were able to settled it then after that gemini asked me again to verify account due to multiple transactions 10 % of the account balance and I paid it the they asked again for another verification because my XXXX  wallet was abnormal i begged for 5 % verification fee and they agreed so we settled taht and asked for service fee and i paid that then later on they said my accout was detected for money laundering and i have to verify my account again10 % of my funds. Im in so much debt i could not afford to keep verifying my account. I couldnt get my funds back and later on I found out that this platform that im using is different to the other gemini and XXXX said its just thesame and now i realized i got scammed. Please help me get my money.
Consumer complaint received 2024-08-22
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)

I Looked at my report back on XX/XX/XXXX through XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individidual about whom the report relates. These accounts below are not complete and accurate. 
The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$270.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXX  {$340.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXX  {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-22
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. (MA)

My name is XXXX XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately. I have been trying to remove this inaccurate information for over 9 months now, please update and comply.
Consumer complaint received 2024-08-22
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-03-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IA)

They keep reporting balance decrease and balance increases on my credit report. Showing balance decreased by so so and yet I didnt make any payments. & then following month they increase by that decrease to hurt my scores. 

Currently I also paid off a few loans and they still have it showing as open with balance. I disputed with the credit bureaus and they kept sending info that the information is correct. They arent updating to credit reporting agencies correct information.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of AmericaXXXX XXXX is in violation of " Larceny '', " Breach of Contract '', Negligence of Services '', Corruption, Malicious Acts of Theft located at XXXX XXXX XXXX XXXX XXXX XXXX robbed my account for {$1300.00} after my business debit card got stuck in the A.T.M for 2-3 days at location dated XX/XX/XXXX. I notified them of the error! They lied, using gas- lighting tactics to deprive me of my property from the Larceny since XX/XX/XXXX. My card was operable until I went to that discriminative branch and they stole {$1300.00} from and was told that it would be credited back to my account, which never did. Under CV-012940-21K and Index no.51/22 I seek the payment of default for {$450000.00} to go direct deposit in my XXXX XXXX account immediately!
Consumer complaint received 2022-03-23
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. (WA)

The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.
Consumer complaint received 2022-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We signed a Home Equity Line of Credit with XXXX XXXX XXXXXXXX XXXX ( XXXX ) around XX/XX/XXXX. Upon a recent in-person request at a XXXX branch, XXXX acknowledged that our Loan was sold in XXXX, but unable to identify the true buyer ( s ). XXXX only identified the Service Right for our loan was transferred to Specialized Loan Servicing LLC ( hereinafter SLS ) in XX/XX/XXXX. Shortly after the transfer of Service Right, SLS recorded an ASSIGNMENT OF DEED OF TRUST by claiming to have Attorney-In-Fact status from XXXX  with the XXXX XXXX County Recorders Office in XXXX XXXX based on incomplete, inaccurate information and without competent and reliable evidence in support. Subsequently, SLS recorded a Substitution of Trustee by claiming to have Attorney-In-Fact status from XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX ( hereinafter XXXX XXXX ) also without any proof in XX/XX/XXXX. The ASSIGNMENT was from XXXX to XXXX XXXX and the SUBSTITUTION was from XXXXXXXX XXXX to XXXX XXXX XXXX. We demanded from XXXX, SLS XXXX XXXX XXXX via Qualified Written Requests to provide copies of all sales contracts, servicing agreements, assignments with a chronological chain of custody of each, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney ( XXXX to SLS ), related to our loan from its inception to the current date, but all three ( 3 ) firms failed to comply within the timeline as required by law.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (NM)

I tried applying for an apartment this month. I got denied for this apartment because of a collection that is almost 7 years old and was disputed for misinformation and closed approximately 2 years ago but the apartment complex I applied for said it still showed up. They said to contact the debt collector and see what was going on. When I did this I spoke with a gentleman and explained to him this was closed due to misinformation. He proceeded to tell me that he contacted the other party of the debt ( my roommate ) and verified MY DEBT so now it will be reopened and back on my credit. He then asked for my mailing address and I denied this and hung up. Approximately 2 weeks later ( today XX/XX/22 I receive a letter for them attempting to collect the debt once again and saying I need to send information for my reasoning for disputing it. It was already disputed and taken off! And how did they/why did they get my mailing address to harass me more. I asked them 5+ years ago to leave me alone. This is very unacceptable to me, especially verifying my debt with a third party that has absolutely no say in this as they owed this debt too and just never disputed it. They also raised the debt by {$2000.00} once they obtained it from the original creditor and I believe that is illegal as it was damages and should not have gone up that much for any reason.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (MS)

Debt appeared on my credit report on XXXX for {$470.00}. I do not know this debt and was not notified before going on my credit report. This is a violation of the law, and I am demanding that I be paid {$1000.00} per occurrence and removed from all three of my credit reports.
Consumer complaint received 2022-03-14
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. (DC)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.