davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX 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. 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 2023-07-20
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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. 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 2023-07-31
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. (FL)

Hello, I recently reviewed my credit report on XX/XX/XXXX and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information on XX/XX/XXXX and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -Remarks -Times ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance Opensky : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided XXXX XXXX : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) Rent Recovery : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-10-09
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. (AL)

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 2023-07-31
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: LCI Acquisition Inc. (MI)

I have reached out to XXXX XXXX and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. XXXX XXXX have stated in a certified letter mail to me that I have no information in there data base after addition search and XXXXXXXX XXXX has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No XXXXXXXX XXXX  and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,
Consumer complaint received 2024-07-18
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. (TX)

On XX/XX/year> I opened a dispute with Experian about an incorrect balance they reported for my XXXX account. Experian has updated this information on its website however, they have again not updated it with MYFICO. I have reached out to them repeatedly without success. I am constantly routed to an IVR system that will not let me speak with an agent. 

I tried to open another dispute to advise them to update my information. only to see that this dispute was opened again. I should not have to tell a reporting agency to report! 

Experian is not updating my info and reporting false information. This Company has over XXXX complaints and CFPB is doing nothing to protect consumers. How many more complaints do you need before you step in?
Consumer complaint received 2023-07-20
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: AppFolio, Inc. (PA)

Hello, I have been disputing this from my credit reports for years!! The furniture account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of taking legal action.
Consumer complaint received 2023-07-20
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: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance used my personal information for credit transactions without my authorization, which result in a hard inquiry on my credit report. 
Date of inquiry XX/XX/2021 XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (LA)

on XX/XX/2023, I received a notification from my credit monitoring agency that someone added a collection account to my credit file, so I logged in and discovered it was a company that I had no previous communication with or have never been contacted by previously offering dispute nor payment options if I indeed owed the debt. 

on XX/XX/2023, I sent the company a certified letter asking for validation as well as asking why I wasn't offered an opportunity to verify this debt before placing this debt onto my credit file. 

on XX/XX/2023, I received a letter and a statement from this company stating that this was validation, and on the back of this letter offering a place to add my payment information to pay this company that I still do not recognize. 

on XXXX XXXX, I sent the company a certified letter stating that this still isn't significant information linking me to this debt & also stating that I should have been properly advised of my rights to validate this alleged debt.
Consumer complaint received 2023-07-20
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. (IL)

15 U.S CODE & 1681 C 2 - BLOCK INFORMATION Regarding identify theft. 

accounts # xxxx XXXX XXXX  {$28000.00} XXXX XXXX  # XXXX {$5400.00} XXXX XXXX {$430.00} XXXX XXXX  # XXXX {$73000.00}
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Shortly after my laptop and phone was stolen with phone # XXXX. Reported it to the Police. 

Got in some trouble, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I was incarcerated someone ran up my bill and had stolen equipment in my name from XXXX XXXX. {$690.00} I have contacted them and they refuse to remove or refund this charge or replace my device
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SET Financial Corporation (TN)

Received a loan in the mail from SET FINANCIAL. The loan was for {$750.00} and was to be paid back in XXXX installment payments at {$160.00}. Deposited the check on XX/XX/XXXX. On XX/XX/XXXX I sent money order in the amount ( # XXXX ) {$160.00}. I DID NOT FEEL COMFORTABLE WITH THIS COMPANY. So, I then on XX/XX/XXXX I sent XXXX more money orders ( # XXXX ) {$300.00} and ( # XXXX ) {$280.00} which equal the total amount of the loan. I repaid the in full within XXXX days of receiving it. Because I never delt with this company and did not feel comfortable with them. In XX/XX/XXXX I received a call from SET FINANCIAL asking when I was going to make a payment. I told them that I had repaid them there money. They told me that they charged me late fees and if didn't pay they would put it on my credit report as bad credit. The amount of the fees have been changing from {$220.00} to {$160.00} now on my credit report. THAT'S WHAT THEY DID EVEN THOUGH THEY GOT ALL THEIR MONEY BACK! SET FINANCIAL sent it to a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX collection agency told me they waiting to hear from their client. SET FINANCIAL WAS OUT TO RUIN MY CREDIT! It has HURT my credit!
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC (AZ)

I have three accounts with this collection company, and when I requested a debt verification, they verbally refused to send any debt verification. The lady whom I spoke to was very aggressive and rude. She refused to work with me in sending me a debt verification.
Consumer complaint received 2023-06-13
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-13
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. (CA)

This is my tenth 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 XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: DISCOVER BANK (FL)

Discover bank still has my XXXX credit card attached to my XXXX wallet they wont remove the card from my phone. The account has been closed and sold to a debt collector. Ive contacted the company and I got transferred to somewhere in XXXX and this happened of XXXX but around XX/XX/XXXX and discover when I called them up they have no acknowledged my account but the wallet is stuck in my XXXX XXXX and they they tell me that they cant remove it from my phone.
Consumer complaint received 2023-07-20
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CHERRY TECHNOLOGIES INC. (FL)

Applied for 0 % financing for a dental procedure. My credit score was in excellent territory based on their web site example. Also provided XXXX plus in proven liquid assets. Instantly approved but was not offered the 0 % program instead I was offered 15.99 % and higher. I contacted company to complain and they gas lighted me saying my score and assets must not be enough but that they can't see the information on their end. I told them I had not been turned down for 0 % financing in at least 15 years and it must be a mistake. They do nothing about it and tell me tough. Offering programs then changing the terms with no proper guidelines is illegal and predatory. I took my business to XXXX XXXX and was instantly qualified for 0 % 12 month program no questions asked. I notified the dental office and the XXXX  about this predatory behavior and I'm extremely disturbed at other reviews I've now read about this company.
Consumer complaint received 2023-06-26
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)

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. 

Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2023, I was charged without receiving the service listed in the amount of {$190.00}. I notified School 's First Credit Union the day of the charge with a detailed explanation. I also discussed this transaction with the vender later that same day and explained that I had already submitted a request for reimbursement. I've had to contact School 's First multiple times in reference to this transaction but the results have been less than satisfactory. Now, almost 2 months later, I am still waiting for a resolution. The vender has repeatedly told me they will refund the transaction. I need this resolved immediately.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

Ive had this account for about 6 months and in that time, Ive paid 4 payments early and the correct amount were charged to interest and the principal, however the other 2 payment that were paid on time, there are no late charges on my account, the total amount was charged to interest, they cant tell me why the payments that were made on time were all paid to interest and none to principal. 

Payment due for due on XX/XX/23 for XXXX was paid on XX/XX/23 and the total went to the interest. 

Payment due on XX/XX/23 for XXXX was paid on XX/XX/23 amount XXXX and the total amount went to the interest and none to the principal and none to interest, which means a pa total of XXXX in interest with none of that amount applied to principal. 

Seems to me that if I pay on time this loan amount would stay the same