davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Regarding the fraudulent account under my name, with an outstanding balance of {$2200.00}. Despite my earlier communications and provision of necessary documentation, including an identity theft report, this matter remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), I reiterate my right to have inaccurate information removed from my credit report. The failure to address this issue is not only distressing but also a clear violation of FCRA regulations. I once again request an immediate investigation into this account and the removal of all associated negative information from my credit report. 

I had hoped that this issue would have been resolved promptly and am disappointed at the need for repeated requests. Please consider this letter a formal notice that, if this matter is not resolved satisfactorily within 30 days of receipt of this letter, I will have no choice but to escalate the issue. This will include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

I trust that XXXX XXXX XXXX XXXX will address this issue with the seriousness it deserves and provide a swift resolution. I am enclosing copies of my previous dispute letters and all relevant documents for your reference.
Consumer complaint received 2023-11-11
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)

Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Experian through the Secretary of State and a copy to the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.
Consumer complaint received 2023-11-11
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. (NJ)

I attempted to file a dispute online but was blocked by the system. I am attaching proof of four inaccurate accounts from pages 3 and 4 o
f the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 3 of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX . On page 6 of the XX/XX/XXXX XXXX XXXX report XXXX there is a XXXX XXXX XXXX  XXXX showing a last payment of {$0.00} being made and received in XX/XX/XXXX. It was reported as good standing in XX/XX/XXXX. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account.

I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX XXXX XXXX XXXX XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Consumer complaint received 2020-02-28
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. (AL)

I Have tried to dispute the XXXX XXXX account on my credit report several times. 
My social security number was compromised and I became aware of it last year and despite my efforts to dispute the XXXX XXXX account, it remains on my credit report. 

This account was opened in my name using my birthdate, name and social security number without my knowledge. I disputed it with Transunion, XXXX, and XXXX  3 times. They refuse to remove it. The XXXX XXXX XXXX also refused to remove it, even though the account is not mine. 

Company name and Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX Phone XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I found incorrect accounts on my credit report and I don't know why. When I checked my credit report as usual, I saw unexpected discrepancies. I refreshed my browser to check if it was a glitch, but the inaccuracies remained. Therefore, I'm requesting a thorough review of the documents I've sent to resolve this issue and prevent future worries.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

In late XX/XX/XXXX, I redeemed XXXX  points with an incentive program and received XXXX ( XXXX ) American Express Reward Cards ( Virtual Cards ), each with a value of XXXX XXXX dollars ( {$100.00} ). The directions on the card state that they may be used for " online, telephone and mail order purchase. '' I have tried no fewer than 20 times to use these cards at a variety of vendors including national stores such as XXXX XXXX, and XXXX, and online at other local stores. Each time, the card is declined. I am very specific in trying to place only {$100.00} on each card. 

I have called the customer service number on the card ( XXXX ) which is American Express Prepaid Customer Care at an overseas call center. I have sought assistance on approximately 8 occasions and I am told a variety of things : that the card has value ; that I should try another merchant ; that the card works. After failed attempts to charge {$100.00}, I call the customer service number to complain and get assistance. Sometimes they tell me that a {$0.00} hold is on the card that that is why my charge of {$100.00} does not work. Thereafter, I try to charge a lesser amount, and that also does not work.

I have spent man, many hours on the phone with Customer service at American Express Prepaid Customer Care and routinely my call is dropped after being on hold or transferred to a supervisor. I have a case # for my difficulties : XXXX XXXX. To date, customer care continues to tell me the cards work, but they are not accepted by any vendors online, via telephone. 

I want the value of the cards, which have an expiration date of XX/XX/XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule 1002.

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX 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 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 2024-01-10
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)

On the evening of XX/XX/23, I received an email notice that a new line of credit was opened on my credit report in the amount of ~ {$16000.00} through XXXX XXXX XXXX. I did not open a new line of credit. Being a Saturday night, I was not able to contact customer service, though I tried, and information was given on their website that some customer service lines were open over the weekend, but none actually were. 

I believed my passport had been stolen a few months earlier ( XX/XX/23 ), like I said. Fearing that identity theft had occurred, I tried contacting every Experian number I could find, but none were open. I feared that another loan would be taken out in my name. I cancelled my passport on XX/XX/23, believing that that's how the identity theft occurred. 

On Monday, I called Experian 's customer service, who directed me to speak with the XXXX XXXX XXXX. I called them and explained that I believed identity theft had occurred. They could not find my information in their system. XXXX XXXX XXXX told me to contact Experian and explain that a " XXXX Account '' had occurred, which is an error in data management. 

When I contacted Experian in the evening about this merged account, they were able to resolve it, though they did not work thoroughly when I contacted them that morning. The merged account was an oversight until I told them that there were merged accounts. 

Due to Experian 's data management error, I reasonably and responsibly canceled my passport on XX/XX/23. After resolving the merged accounts, I found my passport around XX/XX/23. I requested to many different divisions of Experian that I be compensated for the out-of-pocket cost associated with replacing a passport. I would not have canceled it if it were not for their data management error. 

They connected me with an insurance representative who told me that they were unable to help me since no identity theft had occurred. I then contacted Experian again and requested to speak with a supervisor about possible restitution. He explained that he is unable to provide any kind of restitution. He advised that he had filed a formal complaint, and he told me where I could as well.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (OH)

My previos car I had was a XXXX XXXX XXXX, and I had that for about a 1.5 years before refinancing my car. My car was totaled in XXXX, and at that time my credit was low due to my credit cards being maxed out, and I was in the process of paying them down. Which now my credit score is over XXXX, and will be going up more, because I just paid on all credit card a big chunk. I was forced to get another vehicle. When I went to the dealership, and told them my situation. I told them I wanted to be put back to where I was before my car was totalled. I was shown a XXXX XXXX XXXX. I finacned it for XXXX and something, and the interest rate is 25 %. It shows on my credit I am paying over 26 %? From the beginning when I first got the car there was a lot of problems. The dealership had the car for a very long time. I think for over a month, because the dealership paid my first carpayment. With all the bad things happening with the car I told them I didnt want the car anymore, and wanted to back out of my contract. which it was still in my time frame to do so, but i was denied. I have had this car for i think like 15 months now, and I still owe on my car what i owed on it when I finaced it. XXXX XXXX shows I am neg 3 % on my car payment. how is that even possible.? I have read that Santander Consumer USA was in a lawsuit for this same thing. They wont let me refinance it, and when i went somewhere else to refinance i was told that i owe too much on this. They gave me this car with a very very high interest rate hoping i would default, and they are making it impossible to even pay on my car. i tried to change my due date on my car payment, and they wouldnt even let me change it again due to a 21 Day policy. They are applying fees here and there, only a small handfull of payments something was put towards the car payment, but aside from that my car payments have all went to the prin. They are making it vertually hard for me to keep this car, and I dont understand how i still owe so much on this car. I see that they were in a lawsuit before for this same reason, and when i XXXX trying to figure out how i can get out of this mess, i found that they had a class actions suite against them. I found a number to call to talk to someone about the lawsuit, I called the number, and the recording gave me another number. i called that number and it was an attorney, and i am assuming that he handled the last lawsuit, and he advised me to come on here and file this complaint. I have no idea what else to do or where to turn, but the amount of stress and tears every day isnt something someone should have to go through, and this is fraud, illegal activity, and should be stop.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. XXXX XXXX charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from XXXX, XXXX, and Experian because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.