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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-07-07
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. (VA)

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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XX/XX/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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/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. (TN)

According 15 U.S.C 1692c c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with consumer with respect to such debt.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX to keep on fake verfications The entry reads : [ Repossession : Accounts seriously past due ] [ XXXX TransUnion Account # : XXXX -- -- High Balance : {$16000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$13000.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Miscellaneous Finance -- -- Account Status : Closed -- -- Payment Status : Repossession -- -- Creditor Remarks : Repossession -- -- Payment Amount : {$500.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : 48 Month ( s ) -- -- Past Due Amount : {$13000.00} -- -- Account Type : Auto Loan -- -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
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. (NC)

I am submitting a complaint today to inform you that I have been a victim of fraudulent activity. Upon researching how to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : EXPERIAN : 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving the report.
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-08
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: EQUIFAX, 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 XX/XX/year> XXXX XX/XX/year>
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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. (IN)

EXPERIAN CREDIT REPORT XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX CT IN XXXX XXXX XXXX Experian XXXX This case number above was put on my credit report without my permission or contract signed through the courts.I then contacted bankruptcy court who did not give permission for or sale my personal information.I did not give experian the permission to use my personal information that hinders my life my family life buy adding my information into there system this effects my life and I want it removed from there data base
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. (FL)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (NC)

Log in Weve accepted your deposit. 
Status : Accepted Your deposit should be available within one business day. In most cases you will have access to at least the first {$220.00} right away. In some cases, it will take one business day to make the entire deposited funds available. 
Date : XX/XX/2023 Amount : {$200.00} Account ending in : XXXX Hold on to your check. 
Wait to shred your paper check for at least 2 business days in case we need more details. You can view images of your check in your apps mobile deposit history. 
If you have questions, visit our mobile check deposit FAQs for help. 



















XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
My phone number XXXX, check your incoming calls. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NC XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
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. (NY)

According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. XXXX XXXX, XXXX, and Experian is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
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. (PA)

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Consumer complaint received 2020-06-18
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: CREDIT ACCEPTANCE CORPORATION (MO)

I COSIGNED FOR A CAR FOR MY SPOUSE WHO FILED BANKRUPTCY, THIS COMPANY REFUSE TO SEND ME ANY STATEMENTS DUE TO HIS BANKRUPTCY THEN CHANGED ACCOUNT TO A INDIVIDUAL ACCOUNT ON MY CREDIT. SO TODAY THEY DECIDE TO REPORT AGAIN UPDATE THE STATUS TO JOINT IN WHICH THEY TOLD ME THEY COULDN'T DO & REPORT THIS ACCOUNT DURING COVID AS 30DAYS TO LATE TO AFFECT MY CREDIT- WHICH WAS PREVIOUSLY UNDER A NATURAL DISASTER. I FEEL THEY WILL PROVIDE ME WITH NO LETTERS OR STATEMENTS TO STAY CURRENT ON THE LOAN. THEY ALSO SHOULDN'T BE ABLE TO REPORT ANY NEGATIVE RATING TO MY CREDIT REPORTS DUE GO IT BEING A ACOOUNT INCLUDED IN A BANKRUPTCY & ALSO DUE TO THE NATURAL DISASTER DUE TO COVID. THIS ACCOUTN IS IN A CHAPTER XXXX  AND SHOULDN'T BE REPORTED TO ANYONE 'S CREDIT. ALSO STATEMENTS NEED TO BE MAILED EACH MONTH
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: EQUIFAX, 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 XX/XX/2024 XXXX XX/XX/2024
Consumer complaint received 2024-06-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: TD BANK US HOLDING COMPANY (NJ)

1. On XX/XX/2023 the following orders were placed. 
XXXX Refunded XXXX Refunded XXXX Refunded XXXX Pending Refund XXXX Pending Refund XXXX Pending Refund 2. In XXXX, when it was time to use could not locate the email delivery in my Email system ( XXXX ) XXXX. Promptly telephoned Target.Com to figure out what is going on. They looked into the matter and refunded three orders. For the remaining three, the emails were sent containing XXXX XXXX  XXXX Codes ( three {$100.00} Each ). 
4. After seeing what is happening, tried to check the gift card balances and found nothing. Called back Target.com and was told that the gift cards were activated by a third-party vendor and suggested that I contact XXXX. 
5. Promptly contacted XXXX and after spending couple of hours, I was told that they assigned a case number ( attached ) and indicated that the balances went it to a different account. Not to mine for sure. For confidentiality reasons, they could not divulge the information. 
6. Fir the past two and half months, I am going back and forth with your customer relations department. They keep insisting I need to work with XXXX. What kind of a response is that? I purchased them from Target and paid the monies for them. I expect the product/service be delivered by Target. Why they even talk about shifting the responsibility to XXXX? Believe it or not, going around in circles.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, I deposited a personal check from a business associate ( a loan ) for {$2500.00} at Navy Federal Credit Union. I have previously deposited checks from this individual for the same purpose with NFCU without a problem, but was just notified that a five business-day hold would be applied to this check. NFCU has no grounds to hold any checks that I deposit since I have had the account for more than a year, and have never deposited a bad check. I called NFCU 's customer service line and spoke to a lady named XXXX who claimed that they were unable to release the hold. I am currently overseas for work and have no access to funds for the next week due to this.