davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (IN)

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. 
XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-21
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. (LA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-21
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. (IL)

This is a consumer by law, my name is XXXX XXXX. In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2022-06-21
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2022-06-21
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. (AZ)

YOU BROKE THE LAW Equifax Pursuant to

15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attac
hed documents ).
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/2022 - XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  ACCOUNTS : - XXXX  Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # XXXX - XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX account application XXXXspelling wrong first name " XXXX '' address apt # wrong " XXXX '' hit my fido score on my credit report XX/XX/2015 sent letter XX/XX/2015 no reply. have never applied or contacted this bank. please help me!!!!
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XX/XX/2022 - XXXX XXXX  XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX  XX/XX/2022 XXXX XXXX : - XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX Account # XXXX - XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

To whom it may concern, I am writing to delete the following information in my file : ENHANCED RECOVERY CO L XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

This is concerning XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( XXXX EX XXXX ) and B of A provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I received a letter from Experian dated XX/XX/2016 stated that " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again '' Report number XXXX Reason : The paid amount listed is not reporting correctly. I have sent letters directly to the Furnisher FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, I 'm asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you do n't investigate, then you are being non-compliant. 
2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
I 'm carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation.
Consumer complaint received 2022-06-21
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. (MO)

I received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX  credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took XXXX XXXX to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ XXXX.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB (CA)

Klarna, a buy now, pay later service, was a service I had used to purchase a customized mask for cosplay purposes. This specific item would have taken multiple months to create even going past the 100 Day policy to file any claims with Klarna. 

The reason I mention this is because 3 months after the purchase ( as well as frequent update checkups by the merchant ), I was unfortunately scammed after being ignored by the merchant. 

I was in an irritating back and forth cycle with Klarna and XXXX, going from customer service representative to another. Each telling me that the other party was responsible for my refund. 

Klarna opened a claim for me in XXXX XXXX, and I had complained that I recieved no email to submit my proof backing up my claim of being scammed. 

Their response was to close and re-open my claim, but to my suprise I found out that XXXX had already given a response to the claim, supporting my refund, but since It was closed, XXXX assumed my issue was already resolved. 

A Klarna agent misinformed me with the presumption that I was able to open another case once It was already closed, which is untrue. 

I ended up filing a claim against Klarna in which I recieved a temporary credit of {$500.00} The investigation reached a decision that was not in my favor. The aforementioned temporary credit was revoked from my checking account, but Klarna still had re-opened my payment plan claiming I still owed them the XXXX XXXX 

I was just paid today on friday the XXXX, and discovered I was charged XXXX $ a 2nd time, even after my temporary credit was revoked. 

I can not even learn from being scammed and instead of losing my money once, Ive essentially been charged twice for the same order due to Klarnas Impatience.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (TX)

Hello I have been working hard on my credit this past year and learning about the FCRA. A couple of months ago i noticed i had items that was inaccurate and unverifiable on my report. I reached out to the bureaus and recieved letter 30 to 45 days later that my accounts was verified and updated. i waited 30 days to look at my file again and the items that was inaccurate still are there and they should have been deleted due to inaccurracy. In accordance to the Fair Credit Reporting Act. Futhermore 15 U.S.C 1681 section602 A states I have a right to privacy.15 U.S.C 1681 section 604a It also states a consumer reporting agency can not furnish a account without my written instructions. I have attached and circled the inaccurate. XXXX  XXXX account XXXX should be deleted the dates accurate, XXXX XXXX # XXXX dates are inaccurate, XXXX XXXX dates inaccurate, Experian Time payment has no record of my information, XXXX XXXX XXXX i was 120 days late I dont have a contract with them how can i be late on a collection, Experian XXXX XXXX  again no contract bearing my signature, XXXX  XXXX stated all late payments should be removed and lates are still showing from the pandemic my lates was excused due to covid. Experian has address that needs to be deleted.
Consumer complaint received 2022-06-21
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. (IN)

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. 
XXXX Account # XXXX 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 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 2022-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately
Consumer complaint received 2022-06-21
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)

my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NJ)

I am submitting this new case regarding incorrect information on my credit file. I had submitted a case regarding this issue almost 2 years ago ( XXXX/XXXX/XXXX ) under case XXXX. There were additional cases opened ( XXXX, XXXX, and XXXX ) all regarding this matter that transpired from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. This debt was never validated by the company. They also failed to send me proof that this was valid. I requested numerous times that this issue be resolved and the collection agency continued with harassing phone calls in an attempt to collect this {$140.00} debt. I was under the impression that this issue was resolved in XXXX, however it appears that in XXXX of XXXX, XXXX added this collection account back to my credit report. This needs to be removed and not allowed to be added back to my account. 
Please assist in resolving this issue. I am attaching the original letter sent to XXXX and a copy of the collection account on my credit report.
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (MD)

I was seen XX/XX/XXXX through a virtual appointment at XXXX XXXX XXXX XXXX XXXX. The visit was denied by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for no authorization to the facility. This balance is not a patient balance per XXXX XXXX  and is the facilitys fault. I never received a bill from XXXX XXXX and only ever received the collections bill. I have been trying to get this handled for XXXX years now and no one can seem to help me. Earlier this year it was escalated and no did anything with it.I have even called the facility with XXXX XXXX on XX/XX/XXXX and the facility agreed it was not my balance and will escalate to get it pulled from collections.Urgent care tells me its been escalated and to call back in XXXX  days. When I call back to XXXX XXXX  today they tell me I have to call collections, that my reference # is invalid and that its still being escalated but no one has worked on it. They are again requesting more time.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them