davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (PA)

My name is XXXX 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 2023-04-26
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury 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 reportsno consent is fraud. 

XXXX XXXX XXXX Date XXXX Balance : {$26000.00}
Consumer complaint received 2023-04-26
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. (TX)

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. 

Accounts have violated my rights 1XXXX XXXX Reported : XXXX. XXXX, XXXX - {$11000.00} 2.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4600.00} 3XXXX XXXX Reported : XXXX. XXXX, XXXX - {$3400.00} 4.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4400.00} 5XXXX XXXX Reported : XXXX. XXXX, XXXX - {$6200.00} 6XXXX XXXX Reported : XXXX. XXXX, XXXX - {$26000.00} 7XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$760.00} 8.XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1400.00} 9. XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$980.00}. Violated my rights
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc. (MN)

My job got a wage garnishment summons in early XXXX. I did not see the original complaint against me, nor was any court documents sent to me to defend myself. But be as it may, my job honored the summons and {$1200.00} was garnished from my paycheck in XXXX XXXX. 

I just got another garnishment decision being submitted to my bank for a sum of {$520.00}. I called DCI Credit Services , INC ( in North Dakota ) upon receiving this notice. I spoke to someone on the phone requesting the initial decision amount and I was told it was $ XXXX. I am even skeptical of this amount, as I never got any garnishment notice or court decision prior to XXXX. And even if the original amount is correct, how did ( $ XXXX - {$1200.00} ) become {$520.00}. 

I believe DCI Credit is collecting a debt that has been collected in the past.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and inaccurate
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$9100.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

Account # XXXX The Truth in Lending Act is a XXXX XXXX intended to ensure that consumers receive accurate information when they enter into credit transaction. A GAP waiver is an optional contractual obligation offered during the finance of an auto in which the seller agrees to waive any amounts still owed on an auto loan in the event of a total loss. GAP ( debt cancellation agreement ) was purchased at the time, I entered into contract with Kia Motor Finance. At the dealership, I was informed that I will benefit if I get GAP. My car was deemed as a total loss and Kia Motor Finance was aware of that. While waiting for GAP to make the final payment, I continued to make online payment to Kia. GAP insurance is supposed to cover the difference between the amount I owe, and what my insurance pays. Kia Motor Finance violated the Truth In Lending Act, by not honoring the GAP agreement and charging my account off which dropped my credit score from XXXX to XXXX. I purchased GAP under the impression from Kia that no money would come out of my pocket in case of a tragedy, and that wasn't the case. I end up paying the loan off with my own money and GAP sent me a reimbursement check, yet my credit is still messed up.
Consumer complaint received 2023-04-26
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. (NC)

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.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Equifax seems to be sending me mail Stating they have researched this and its all accurate in my files Eastern account systems {$1000.00} They said it all matched up and was validated Im enclosing files showing where this eastern account systems added FALSE information on my credit report Both other reporting agencies deleted and blocked this company from ever reporting on me again. Equifax deleted said file and added it back after they claimed to verify the debt Let me show you where it takes two seconds to see they didnt investigate this The day they claim it went to them was on XXXX XXXX Im showing you the cancelled check from my bank, not only showing it cleared my checking account but also that the check wasnt even written until XXXX XXXX So how was it delenquient on XXXX XXXX when it wasnt even written until XXXX XXXX They complete lied to me and you claiming they investigated this when they didnt or a second grader could have seen this was false Im tired of asking them for help when theyre breaking my FCRA rights over this Please see all attached and force them to remove BOTH accounts off my credit file as Ive proven that these accounts are NOT accurate and I dont have to quote another FCRA law to them, I have good credit and this company is bringing my credit score down by XXXX points and putting my business at risk every day this stays on there Please see my proof
Consumer complaint received 2023-04-26
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account Number : 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 a account without my written instructions.
Consumer complaint received 2023-04-25
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. (CA)

My consumer rights are being violated by TransUnion, with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I )  and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 


I have uploaded my letter. To show proof, that I have mailed this letter to TransUnion. 
My rights have been violated by Transunion in there ability to report inaccurate information on my credit file. I have asked to please, show me how and where is this information is coming from that it can be reported inaccurate?
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I applied for this CC for my partner business purposes but I am having an issue w chase declining transaction because is unusual. She traveling as a XXXX consultant to all over the US uses the same rental company and most times the same hotel. We were having these transactions declined which then she would call and I get on a call with their customer center. I have explained time and time again that this a travel g credit card which charges an annual fee, declines stopped for 3 months but now we are back to same. Every time they do I literally spend XXXX minimum minus to try getting thru someone and explain this all over. This has been scaled this last time to XXXX an accountant Supervisor that basically told there is nothing chase can do. Every time I get the annual fees, or transaction fees or interest I dont get a text asking me to decline or complain so I have asked for them to credit one of their annual fee since I have spent considerably time explaining this over and over. After every declined I then have to reach back to the vendor and explained and have them rerun transactions which I invest more time. My partner was once a stuck in a small city in the middle of nowhere waiting for rental car to allow her to take rental cause Chase had declined transaction.
Consumer complaint received 2021-01-08
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. (MT)

Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-25
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. (FL)

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, CHILD SUPPORT XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion issues I keep running into the same issues with TransUnion. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to TransUnion, new address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a TransUnion membership since XX/XX/XXXX. 

XXXX XXXX XXXX apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.
Consumer complaint received 2023-04-26
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. (LA)

Despite my previous 2 written requests, the unverified items on the attached doc remain on my credit report are in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Despite my previous 2 written requests, the unverified items on the attached doc remain on my credit report are in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Consumer complaint received 2023-04-26
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. (NC)

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}