davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2024-08-03
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (LA)

I have a medical bill that's reporting on my credit report that XXXX hasn't removed. It was upward of {$700.00} but I believe it's reporting less than {$500.00} now. I've constantly been receiving phone calls every week to pay off the remaining debt. The medical bill is from XXXX  not exactly sure about the month, but I want to say XXXX or XXXX. I'm in the process of trying to get funded for my new business and due to the medical bill showing collection on my credit report, business nor personal funding is do-able. Could you please help me in order to get this medical collection removed off my credit report? Thanks in advance and hope to hear from you soon. Take care!.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., I have identified an inaccurate medical account that has been reported by transunion The inaccurate information includes incorrect dates, amounts, and other details that are not reflective of my actual medical history. This inaccurate reporting has had severe repercussions on my credit score and has hindered my ability to obtain financing and pursue my entrepreneurial aspirations.

Under the FCRA, creditors and credit reporting agencies are required to report accurate and verifiable information. The inaccurate medical account has violated my rights under the FCRA, causing significant harm to my creditworthiness and financial prospects.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I am entitled to protection against unfair and abusive debt collection practices. The inaccurate medical account has been reported by [ Name of Collection Agency ], and their actions have resulted in the violation of my rights under the FDCPA.
Consumer complaint received 2024-08-03
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. (WA)

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by XXXX  XXXX Background : First Request : Submitted to XXXX  XXXX on XX/XX/year>. 
CFPB Request : Submitted on XX/XX/year> after XXXX XXXX ignored the first request. 
Response : Both requests were denied and ignored by XXXX  XXXX Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with XXXX  XXXX. My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. 

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer.

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out.

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
- XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law. 

Issues : XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law.
Consumer complaint received 2024-08-03
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2024-09-16
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 USC1681. 

Account Name : XXXX XXXX XXXX Account # : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-09-16
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-02
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. (SC)

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-02
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. (AZ)

I hope this letter finds you well. I am writing to express my continued concern and frustration regarding unresolved disputes on my credit report. Despite my previous efforts, I have yet to receive a satisfactory resolution, and I feel compelled to address this matter with renewed urgency.
Consumer complaint received 2023-05-31
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)

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 XXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX has fraudulently dropped my credit score by XXXX points. My credit balance for XXXX XXXX XXXX XXXX XXXX is {$0.00}. Their reason for dropping my score was due to a high balance of credit usage when I do not have a high balance of credit usage. I am under 30 % credit utilization. This is fraudulent and inaccurate reporting as usual from this company. This needs to be reported accurately. Their reports on my credit do not reflect my real credit activity.
Consumer complaint received 2024-08-02
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. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-09-16
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: EQUIFAX, INC. (WA)

Equifax is the only one of the three credit reporting bureaus that continues to inaccurately show I have two outstanding student loans both with XXXX XXXX : {$130000.00} and {$27000.00}. 

In XX/XX/XXXX, all of my US Dept. of Education student loans were transferred from XXXX XXXX to XXXX. 

In XX/XX/XXXX, two of my loans ( the two at issue for {$130000.00} and {$27000.00} ) were forgiven and discharged under the Public Service Loan Forgiveness ( PSLF ) program. ( My remaining loans were forgiven shortly thereafter ( XX/XX/XXXX ) under PSLF ). 

XXXX and XXXX correctly show that all my federal student loan accounts were fully paid and closed. Yet Equifax refused to update their information, which is resulting in a lower credit score with Equifax. Equifax stated it contacted XXXX XXXX, which confirmed that I owe those two student loans- even though XXXX has not reported any new information since XX/XX/XXXX ( consistent with when my loans were transferred from XXXX to XXXX )! Further, XXXX could not have confirmed the accuracy of such loans because those loans were transferred to XXXX six months before they were forgiven. In fact, when I call XXXX, they state they can not help me at all because I do not have any account with them. The run around is maddening. And Equifax staff are clearly not being truthful in their investigation statements.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TX)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. They are violating my rights and I am entitled to {$1000.00} for each violation I listed, I have made previous attempts to fix these issues directly with them. They either pay me or delete these accounts ASAP.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (FL)

I received a letter from Elevate Recoveries , LLC. I have never heard of this company nor have I ever had a purchased agreement or contract with them. I noticed on my credit report I have {$1000.00} for some unknown reason. I would like to see a signed contract between myself and Elevate Recoveries LLC. If there is not proof I would like it removed from my credit report, according to FCRA Section 605B.
Consumer complaint received 2024-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX has violated Texas state law, and when I filed a complaint with the Attorney Generals office of Texas I was directed to file a complainant with yall. 

On XX/XX/XXXX I took my daughter XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXXXXXX for an exam. I was told she needed extensive work done on her XXXX. We scheduled an appointment for XX/XX/XXXX for the procedure and pre-paid {$350.00}. When we arrived I was told we needed to pay the bill in full before any work could be done. I was told we owed {$1000.00} so I paid the requested amount with a credit card. After that the proceeded was completed and we left. 

I never heard from XXXX XXXX XXXX XXXX XXXXXXXX again, no emails, phone calls, or letters in the mail. At the end of XX/XX/XXXXXXXX  I received a bill in the mail for {$350.00} from them. The bill was dated XX/XX/XXXX and had no explanation for what it was for. Just a demand to pay in 15 days or it would be sent to collections. 

According to Texas state law : " CIVIL PRACTICE AND REMEDIES CODE TITLE 6. MISCELLANEOUS PROVISIONS CHAPTER 146. CERTAIN CLAIMS BY HEALTH CARE SERVICE PROVIDERS BARRED Sec. 146.002. TIMELY BILLING REQUIRED. ( a ) Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the XXXX  day of the XXXX month after the date the services are provided. : ''. This bill was sent 1 year and 7 months after the services provided and violates Texas state law. 

I called their billing department and explained this to them and the refused to accept that they violated state law, and demanded I pay. I asked to speak to their supervisor and was told he was busy, I then asked for their supervisor to call me back and I was told no that they would not call me back to discus this further, then they hung up on me. 

They have now sent this to a collection agency ( Tek Collect ) who is harassing me for this illegal bill. As stated I contacted the Attorney Generals office and also my state representatives and was told I should file my complaint with yall. Please find attached all documents I have regarding this. Thank you for your time looking into this matter.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lockhart, Morris & Montgomery Inc. (TX)

Lockhart, Morris, and Montgomery are the second debt collection company that bought this debt after the original creditor. I requested verification of the debt and never received anything. The reason I requested verification of the debt because it's not my debt for starters. The only reason I took notice of this at all was because I received notices from XXXX and XXXX XXXX concerning data breaches about a month and half ago. I start digging discovering my DL and SSN has been exposed since XXXXNot only this account even in reviewing my bank statements I found fraudulent charges. This has been going on for nearly a decade I just didn't pay attention unfortunately. I sent a debt verification letter in XXXX XXXX I still haven't received verification to date. Which is the reason I am making this complaint ; I have also filed identity theft due to the various occurrences that affect my livelihood beyond this situation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (PR)

Remove the following accounts from my credit report because they are not mine. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX