davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (LA)

In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my experience credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report in shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Promptly delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate
Consumer complaint received 2024-11-19
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)

I am writing to formally request the immediate blocking and deletion of the unauthorized inquiries listed below from my credit file. I am a victim of a data breach, and these inquiries were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have these unauthorized entries blocked and removed. 
The inquiries in question are as follows : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX
Consumer complaint received 2023-03-28
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. (NV)

XXXX XX/XX/XXXX, Bank of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XX/XX/XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I signed up with XXXX and XXXX to freeze my credit because my state ( XXXX  ) XXXX had all of our diver 's license information stolen, along with the last 4 of our SSNs. 

Equifax however could not identify me. So they mailed me a code, which I entered on their web site and they still could not identify me. I then went through an account recovery process that did not work and was directed to call them. 

I called them and answered about a dozen personal questions. They sent me a link to an app to take a photo of my driver 's license, which I did about 10 times, and none of the images were accepted despite the fact that I've worked for a bank doing image verification and know how to capture a good image with my XXXX XXXX XXXX. 

So now my credit is frozen with XXXX and XXXX, but Equifax will not let me freeze my credit. This is ridiculous since all XXXX agencies should have the same information about me. 

This is especially disturbing to me because they mailed me a code via US Postal Service and I entered it on their web site and they still won't accept that I am who I say I am.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, the below company made a hard inquiry on my Transunion credit report and I never applied for credit with them. I would like this removed from my report. Thank you- XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems is has reported that I of them {$1200.00} but I have never lived at XXXX XXXX XXXX. I have contacted the property directly to advised them that Its Identity Theft but the property advised me that they cant do anything about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing up on my credit report after I paid the amount of {$220.00} and it was also included in my bankruptcy discharge still it was still showing up. Contacted the agency and was told they can not do anything.
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC (MI)

After paying timely on all payments I became permanently XXXX in a few years of owning the car. I knew I had XXXX insurance on the car or else I would have never bought it. I paid extra for that insurance. Instead they denied it... but fired the salesman who was caught frauding the customers. They had my car towed and gave me no paperwork of where my car was going or an Auction date. Plus, they know I have XXXX and my son is joint on my bank account. They have been stealing his money now for two years. After he deposits his state check for taking care of me they swipe it.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (AR)

In XXXX of 2022 I got a loan for Solar Panels to be installed by XXXX XXXX XXXX XXXX XXXX XXXX to be put on the house and Financed through XXXX. Three months went by and XXXX XXXX never finished the installation. After another two months went by with extended attempts to contact XXXX XXXX they never returned any calls or emails to finish installation. By this time my payments to XXXX were first due in XXXX of 2022, after multiple attempts to explain to XXXX that the solar panels were not finished installed and or operational. XXXX informed me that XXXX was paid in full and I was required to pay my loan even though the panels were'nt working. XXXX dipersed funds to XXXX without confirming that the solar panels were fully installed and operational. XXXX XXXX has since filled for bankruptcy and is under a Class Action suit from the Arkansas Attorney General XXXX file # XXXX. Also filled a complaint to the XXXX  case # XXXX
Consumer complaint received 2023-04-05
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)

in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to Experian to furnish to the creditors. Experian has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XX/XX/2022 while being XXXX to help with my XXXX XXXX however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.
Consumer complaint received 2020-09-30
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. (MA)

Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-04-05
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: Bread Financial Holdings, Inc. (VA)

In accordance with the fair credit Reporting act Convergent Account with Comenity Bank for Woman Within, XXXX, and XXXX XXXX accounts, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for this purpose.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX XXXX XXXXXXXX they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For XXXX XXXX XXXX stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX Experian claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

XXXX Bank issued mortgage including establishing an escrow account to pay California property taxes -In California, the first year of property tax has a a primary tax bill at a lower rate, stemming from the previous valuation of the property, which is typically substantially below market value. There is then a supplemental bill issued in the same year that covers the taxes due on the difference between the the previous assessment and the new assessment ( sale price ). For homes like ours, where a sale has not occurred in a long time, this supplemental bill is the bulk of the tax owed, and financial institutions are prepared for it. 
-US Bank correctly calculated the expected tax bill for the sale price, which covers the supplemental bill for the difference -US bank issued an initial Escrow account disclosure statement, showing the dates the payments would be made and the estimated amounts - these estimated amounts included the full tax due ( the initial tax payment and the supplemental payment ) -We funded and paid into the escrow account and kept it at the correct balance, which was set by US bank to be sufficient to cover the primary and supplemental tax owed. 
-When the payments were due to the county for property tax, US bank did not pay the full amount, only the small initial amount ( not the supplemental amount ). This amounts to a payment of {$1700.00}, instead of the {$7100.00} the bank stated it would pay in the disclosure statement. The bank also did not inform us that it underpaid. This resulted in an overdue balance of {$5500.00}, for which a delinquent bill was issued with a {$510.00} late fee. 
-The bank was informed by us of this error. They acknowledged the discrepancy and promptly paid the county the delinquent amount owed. 
-The loan agent asked for the bank {$510.00} to be reimbursed to us, and stated she felt that was fair, but the bank ultimately decided not to. Instead, they cited a letter sent to us in the past indicating that they could not pay the bill unless we took certain steps. We had not received this letter at any point. 
-My opinion is that the bank committed to paying the bill from our escrow, stated they would do so in the disclosure, and then failed to do so, leaving us with a penalty. The fact that they sent one letter in the mail, which we did not receive, is insufficient to overturn the original indication they gave. It is fairly common for mail to not get delivered. There was no other follow-up with us. 
-We seek that the bank reimburse the {$510.00} fee
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrected : XXXX XXXX Balance : {$8.00}, XXXX Balance : {$35.00}XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$51000.00}, XXXX XXXX XXXX XXXX Balance : {$5700.00}, ATTYGENERL XXXX Balance : {$2200.00}
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

BURO NAME : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) XXXX following personal information is inaccurate ACCOUNT NAME : XXXX BANK ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MT)

I am showing a credit on my Paypal credit account in excess of XXXX dollars and PayPal is in possession of my funds and has instituted a 2 week hold on my usable funds for no valid reason. This is illegal.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I recently review a copy of my credit/consumer report. I had noticed fraudulent account on my report. 

Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

According to the Fair Credit reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Why am I liable for this debt with Credit Collection Services when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681XXXX ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX XXXX' and " Federal Trade Commission '' as well.
Consumer complaint received 2022-11-29
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. (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. 

XXXX XXXX  Acct Number XXXX XXXX XXXX XXXX  ACCT Number : XXXX XXXX XXXX XXXX  ACCT NUMBER XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX US BANKRUPTY COURT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX HAS VIOLATED MY RIGHT. 



: 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.