davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-05-30
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXXl is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-03
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights with multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JP Jensen Collections, LLC (PA)

There is too much information to list here. I have created some files to send. If you read the letter, I wrote to the Attorney that was working on this for me until I was injured at work on XX/XX/2023. I still have not been paid by Workers Compensation yet so I can't afford to pay the Attorney. I would appreciate it if someone could be assigned as my case worker/advocate to assist me in this 20-year-old loan that I thought was paid in full when I had relocated for my job to California and I had not heard from the bank in years. I told the loan officer my situation and we had a verbal agreement that was for me to drop off the vehicle at the bank and he was going to sell it. If there was a loss, he was going to contact me and if profit, he would send a check. The confusing part out of all this is I am paying for a vehicle I dont have in my possession. The bank had my contact information, and it stayed the same for 6 years after I dropped off the vehicle. The bank is no longer in business, and I also suspect that they got into financial trouble, and they are trying to sue anyone they can take advantage of. This bank has also pursued a few other people that I heard of within the last few years. Either this is a scam, or something is really wrong.
Consumer complaint received 2023-04-03
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. (GA)

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. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX PL XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-30
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. (NY)

I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now XXXX. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly. 

Upon the transfer of my loan servicing from XXXX XXXX to XXXX, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing. 

Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ). 

The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance. 

I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter. 

I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.
Consumer complaint received 2023-04-03
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXXXXXXL ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-30
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. (KS)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I had my identity stolen, as well as all my business and personal bank accounts were hacked. XXXX  were stolen, which caused me to be late on payments, accounts being, closed, and extreme damage to my credit report and scores. There are also accounts opened and used in my name without my knowledge or permission including child support cases.
Consumer complaint received 2023-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I tried to pay off Loan B ( # XXXX ) completely but my payment was not applied correctly. I paid {$2000.00} on XX/XX/12 and was told that was done as that was the correct payoff amount. However, after checking my account the next day, they split the payment between Loan A and Loan B. I tried calling and was hung up on twice. After being on hold for 20 minutes, I was told that they had to look into that. Payment adjustment ticket # XXXX was issued, and that the interest would continue to accrue.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified.

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.
Consumer complaint received 2023-04-03
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances owed and last payments dates which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
n of character and violating my consumer rights.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I sent a letter to notify you about some inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following fraudulent items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-04-03
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. (MI)

This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 

The listed items are erroneously placed in my file and I believe they are sorely mistaken
Consumer complaint received 2023-05-30
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 accounts 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 these 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 2023-04-03
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-30
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (KS)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-30
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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