davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (FL)

This company is inaccurately and illegally reporting to my consumer report Under : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-14
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below 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  has violated my rights. Or a 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 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 or 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 2023-04-07
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: EQUIFAX, INC. (PA)

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 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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 — Account status incorrect
Company: NRA Group, LLC (PA)

I have found several reporting discrepancies on my credit bureau files regarding this collection account. I have tried to resolve the matter directly with the original creditor but to no avail. On XX/XX/2023 I mailed via certified mail a request for information on this collection account. The following letter was submitted for account investigation and to date this has not been addressed so i am requesting this file to be deleted asap. here is a screenshot of the requested information for validation of the debt. 

National Recovery agency XXXX XXXX XXXX. 
XXXX, Pa XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting.

2 : verification of a signed invoice.

3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Along with the above requested information, i also discovered several inconsistencies on my credit report that I have outlined and will attach the file with the discrepancies highlighted for review.
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: 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 XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX has violated my rights. Or 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NC)

Experian- as part of organized criminal activity which has put me in imminent fear of my life- is saying someone else has a lien on my car when I own my car free and clear and have the title. Experian believes they are legally allowed to try to steal other peoples cars by felony forgery like wannabe XXXX - because they think they are of the right race - and police suspect only the XXXX and XXXX of car theft. This is wrong. Attempted auto theft and forgery of titles is wrong- and must be punished severely - probably by jail time. My car is a XXXX XXXX XXXX XXXXXXXX and I physically have the XXXX XXXX title. Its my car- and I will never let anyone attempt to steal it.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

CHILD SUPPORT ENFORCEM Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Bankruptcy Account number XXXX XXXX
Consumer complaint received 2023-04-25
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX To whom it may concern I am in disagreement with the items listed below which still appear on my credit report even after your investigation.

Im writing to you in regard to Equifax Credit Bureau - Corporation ; I was rejected to get an account deleted from my credit report by your Customer Representative XXXX XXXX ; she says she cant do it and wont do it either. 

I am requesting a full investigation on this matter ASAP and requesting this account to be DELETE ; XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX I received a copy of my credit report on XX/XX/XXXX ; Which contains errors that are damaging to my credit score. I am requesting the following items be completely investigated as each account contains several mistakes that need to be deleted from my credit report ASAP. 

Thank you in advance for your time. I understand that you need to check with the original creditors on these accounts and that you will make sure every detail is accurate. I also understand that under the Fair Credit Reporting Act, you will need to complete your investigation within 30 days of receiving this letter. Once you are finished with your investigation, please send me a copy of my new credit report showing that account DELETE from my credit report. 

I look forward to hearing from you as I am actively looking for a new job and wouldnt want these mistakes on my credit report to stand in my way. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 credit management LP Account # XXXX, has violated my rights. 

Credit management LP response to my complaint on the XXXX XXXX XXXX goes as follows '' They state that they did not enter into a contractual agreement with you or provide you with a product or service. '' So If there is NO legal binding contract that I signed with this company stating that I will pay credit management LP for the amount they requested, then this illegal, erroneous and inaccurate account needs to be removed from my consumer reports. 

Credit management LP has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. 4:20-cv-01674. This is a complete violation to my consumer rights an punishable by {$1000.00} damages per 15 U.S. Code 1681. 

Credit management LP have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or anything other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the punitive damages.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (CA)

I bought a new XXXX  XXXX XXXX XXXX - VIN # XXXX in XXXX of XXXX  and the lender XXXX referred me to finance the car was BMO Harris Bank. I wasn't happy with the interest rate, so I refinanced the loan with XXXX XXXX XXXX. 

XXXX sent a check to payoff the loan on XX/XX/XXXX  and the loan was paid in full. Since then, BMO Harris Bank has refused to send me the original title and also have refused to send me the original lien release. 

XXXX XXXX XXXX is now asking me why their name is not listed on the vehicle registration. I have tried on multiple occasions to call BMO Harris Bank and they have refused to help me with my requests. 

I also talked with XXXX XXXX XXXX and they said that it is my responsibility to get this corrected but I have no control over BMO Harris or their business practices. 

XXXX XXXX  has threatened to raise my interest rates and/or take further legal action against me if they do not have their name listed as an additional interest as a lienholder on the vehicles registration. 

I can really use some help in obtaining assistance in order to obtain original copies of my title and an original lien release from BMO Harris Bank.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

About my card ending in XXXX I reached out to citi dispute team several times, regarding a XXXX charge ( case ID XXXX ) posted on XX/XX/23 which was not found in my favor from the merchant XXXX filed by citi as Canceled service. I filed two other dispute with the same merchant filed as services never received which was found in my favor for dollar amount XXXX ( Case ID XXXX ) and XXXX ( Case ID XXXX ). The dispute team sended me a letter saying they closed the XXXX dispute saying " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. We apologize for inconvenience this may have caused. '' I reached out to citi several time prior requesting the filing reason they put to be changed but they did refuse to take appropriate action. Citi had 2 times prior found this XXXX dispute not in my favor but I had responded to citi and had the case reopened. I spoke with citi today inquiring about their logic which lead them to close a dispute as it took there team to long. In intrest that citi take action in resloving this dispute in my favor I would appreciate it that citi be reached out to and resolve this case in my favor.
Consumer complaint received 2023-04-14
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. (PA)

in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and 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 an account without my written instructions
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I reached to all three bureaus. Because they have addresses listed on my credit report that I never lived at. And the incorrect spelling of my name. See attached example. Any other spelling of my name is incorrect and should be removed. Also any other addresses listed on my report that doesn't match the attached photo are also incorrect.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (CA)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX  XXXX - BANK OF AMERICA - XXXX - XX/XX/year> - {$29.00} XXXX hope for a prompt and effective resolution to this matter. 

Sincerely, XXXX XXXX