davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (GA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX5 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 2024-06-01
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. (IL)

XXXX XXXX : I'm challenging wrong reports on my credit file and investigating them. Under the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B requires reporting incorrect accounts.
Consumer complaint received 2024-06-01
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. (DE)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-06-01
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. (GA)

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 : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX and 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 2024-06-01
Product: Credit reporting 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. (AZ)

Im submitting a complaint to you today to follow up you about my issue of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 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 XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-01
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)

I am very concerned about the lack of responsibility in addressing the inaccuracies on my account. When will XXXX correct the incorrect information on these accounts that are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please stop delaying and correct the accounts immediately : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Provide me with the names and addresses of the individuals contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receiving this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Consumer complaint received 2024-06-01
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. (LA)

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year>. This account has resulted in several fraudulent appearances on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned account and inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint number as proof from the US Federal Trade Commission that the aforementioned consumer credit account and inquiries.
Consumer complaint received 2024-06-01
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc. (AZ)

From the start Debt Collectors International has been a nightmare to work with. The day they began collection, they called my uncle and harassed him about this debt he has NOTHING to do with including providing information to him about the debt. This is a personal business debt for my small business that he is not associated with in any way, and how they even got his contact information is beyond me. 

Now that I have entered a payment plan with them, they consistently email me prior to my payment being due, threatening to sue me and damage my credit. This is harassment, and predatory, and the pattern clearly shows that this is their intent. Below I have inserted the latest message I received at XXXX XXXX  local time on the DAY MY PAYMENT WAS DUE the first Friday of XXXX. The previous month 's payment was also made without issue, yet I still received a similar threatening email. The typos suggest that not only is the company using predatory tactics but they can't take the 20 seconds to use a spell/grammar check before moving on to their next victim. 

" You have chosen to ignore our attempts to resolve the outstanding debt XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX owes to our client, despite our efforts to do so in an amicable manner. There is presently due and owing to our client a balance of {$2000.00}. Unless we receive your payment in this amount within 4 days from the date of this letter, adverse collection activity will be ordered on this account. This may include a derogatory filing on your business credit record, notification of credit reporting and rating agencies, and commencement of litigation in court that can increase the amount you owe by additional litigation expenses. 

To protect your company credit rating and prevent the additional expense of litigation, immediately make your payment at the link below : XXXX XXXX XXXX "
Consumer complaint received 2024-06-01
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 
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 ) ( a ) 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. I request delete the not authorized hard inquiries below 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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a XXXX owner for the last 12 years, with multiple vehicles. When I first purchased my newest vehicle, the salesperson was supposed to enroll me in automatic payments, but he forgot to and when it came time to make a payment, it was never made and even though I made the late payment on the XXXX day, they said that they require payment be made on the XXXX day, XXXX day before all other loan companies in the united states include the XXXX day, before sending credit agencies a 30 day late payment inquiry. XXXX is the only company in the United States that doesnt allow the XXXX day of the month to be included as a non late credit inquiry. If you make a payment on the day your payment is due, is it still considered a late payment. You must make your payment 1 day before your due date to be considered on time. This is against every credit agency I have ever dealth with in my life. Also, If you make a payment on day XXXX, they dont take the payment out of your checking account, until XXXX days after your payment was made. When someone allocates money to an account for payment, taking the payment 7 days later XXXX cause an account not to have sufficient funds since other payments from the account are taken automatically, and because of this I reciveed another 30 day late for the month of XXXX. Finally, Today, XX/XX/XXXX, I tried to make XXXX Online payments, XXXX payment I made on XX/XX/XXXX, but they didnt take the payment out until XX/XX/XXXX, and there was insufficient funds on that day because my mortgage gets taken out on the XXXX, and for a second payment for the current month, but the online service is not accepting my payments, and either is their phone system, and they are closed at XXXX XXXX standard XXXX on Friday XX/XX/XXXX. There is no possible way I can make my payments on time, Since monday is the XXXX of the month, the day my payment is due, they will consider this another late payment and affect my credit score again since paying on the day of my due date is considered late! Our cost of living has doubled in the last 3 years, and our income has stayed the same, they should have a little empathy for US citizens, but this company is the epitome of a socialist dictatorial entity, not capitalism. They should be banned from the united states of America. I will never purchase another vehicle from this company again even though I love their cars.
Consumer complaint received 2024-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Credit Control (CA)

On XX/XX/XXXX I had some medical studies done. I had my insurance and after 1 year I started receiving statements from this bill company claiming payment that insurance hadnt paid. Since I received the first statement Ive been back and forth with the company trying to resolve and make the insurance pay for my medical costs. The bill company is XXXX XXXX XXXX XXXX. Red net XXXX XXXX. XXXX XXXX XXXX XXXX Ca XXXX with phone number XXXX. 
By being back and forth with them, they told me insurance already covered XXXX of the XXXX services I got from them. But I still owned the XXXX service of {$270.00}, well we started again trying to make my insurance pay the bill and still I was back and forth with the bill company. Until XX/XX/XXXX, I received ( again ) my statement were I owed them {$270.00}, and in XX/XX/XXXX I received a letter from this same bill company were they tell me they received my request regarding the status of my claim and they were going to send it back to the insurance For reconsideration, giving me XXXX days for my insurance claim to be processed. 
Well, they didnt wait those days because like 20 days later on XXXX I called them again and they told me they sent me to a collection company. I told them it wasnt fair that they didnt respect their words in the letter and that I was back and forth trying to resolve this without being sent to a collection company. So they told me they were going to talk to the collection company to have the claim back to them and they told me again to wait for XXXX days for a response, well nothing, no calls no mail nothing.. I havent received any letters from the collection company either thats why I thought they were working on it. So today XX/XX/XXXX I called again the bill company to get an update and they told me theres nothing they can do. I think is unfair they did this to me when I was trying to resolve and get the service paid. Their communication skills failed me and now Im in collection company, where my credit can be impacted for the errors of this bill company. The only thing I have received is a text message on XX/XX/XXXX and is the next Hi ( my name ) We are trying to reach you about XXXX XXXX XXXX. Please visit ( email ) to pay or call us at XXXX for help. 

This communication is from Continental Credit Control, a debt collector. 
CA License # XXXX To stop future texts, reply STOP to this message. 
Please help me get this resolve
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I tried to use a BMO ATM. The ATM was out of money, so I used a XXXX  ATM. Unfortunately the XXXX  ATM charged me a {$3.00} ATM fee and BMO charged me a {$3.00} ATM fee. I asked BMO to credit my account {$6.00} because I incurred these costs due to their error. On XX/XX/XXXX BMO credited my account the {$3.00}, but not the {$3.00}, so I disputed the transaction of {$3.00} with BMO, but they never submitted the request. On XX/XX/XXXX I called again to ask that my account be credited, and they said they would credit my account if I could prove that the {$3.00} was an ATM fee and not part of the withdraw ( since they were listed together as a withdraw of {$43.00} ). On XX/XX/XXXX I called with a picture of XXXX 's ATM notice saying I would be charged {$3.00}, but they would not credit my account {$3.00}. They also would not submit a transaction dispute, which is what XXXX suggested I do when I went to the XXXX branch on XX/XX/XXXX.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Keystone Law LLC (MO)

Keystone Law LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXXXX/XX/XXXX XXXX Re : Debt Validation Request and Dispute Dear Sir/Madam, I am writing to formally dispute the validity of the debt reported by your agency and to request validation as required under applicable federal regulations. 
XXXX. Dispute of XXXX : I dispute owing any and all debts to your agency. Your recent communication and the subsequent report on my credit report do not provide adequate validation of the debt in question. 
XXXX. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide validation of the debt, including a detailed account statement and proof that you have the authority to collect on this debt. As of now, I have not received this information. 
Please provide the following documents to validate the debt : A detailed statement of the debt, including the original creditor 's name and the amount owed. 
A copy of the original credit agreement or contract. 
Proof that you are licensed and bonded to collect debts in my jurisdiction. 
The purchase agreement between your agency and the original creditor. 
XXXX. Dispute of Reported Information : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a chance to dispute the account before it was reported to the credit bureaus. This action violates my rights under the FDCPA. 
XXXX. Cease Communication : In accordance with 15 USC 1692c ( c ), please cease all communication with me via email, texts, and phone calls. Any future communications should be sent to me in writing. 
XXXX. Compliance Request : Please ensure compliance with 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) regarding the reporting of debts to consumer reporting agencies. Your failure to provide the required disclosures and validation constitutes a violation of these regulations. 
Please send all requested documentation to my address listed above within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights, and I may seek further action as necessary. 
Thank you for your immediate attention to this matter.