davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX is being prejudice. XXXX is hiding XXXX XXXX XXXX  from my credit report.in attempt to stop me from filing a dispute deny me the right to file a new dispute old report # XXXX XXXX XXXX. XXXX is being prejudice by not updating my credit report. XXXX has been treating me unfair by looking at my supporting evidence that supports my dispute. XXXX has been prejudice against me by allowing illegal credit score dropping as well and harshly. for example, XXXX  chime closed my acct due to their error ( chime error ) submitted letter of error to XXXX they XXXX drop my score XXXX points for a " safe '' credit building card. that i put my money in. XXXX  allowed a transaction to go through on a canceled credit building card that was canceled due to fraud. XXXX  punished me because they messed punished me for their noncompliance after many XXXX  XXXX  policy was its our money its a safe secured card it won't affect my credit but then they closed me out unfairly and XXXX backed them up and despite the facts and evidence letter from chime stating the error was on XXXX behave XXXX refused to restore my XXXX point that were unfairly dropped..
Consumer complaint received 2024-05-22
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX  Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account NumberXXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation.

2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts.

2. Any correspondence between myself and the collection agency regarding debt validation requests.

3. Records of communication attempts made by the collection agency, including dates and times.

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law.

2. Cease all communications from the collection agency regarding these accounts. 

Signature : XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (KS)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

On XX/XX/XXXX I got a notice on my credit report about an account going to collections in the amount of {$520.00}. But I have no clue what this debt could be or where it came from. I never received any notice or verification of this debt. Not even a phone call to try and collect the debt before reporting it. I get a lot of spam calls so I don't answer the phone if I don't know the number. I wait till a message is left so I can confirm the legitimacy of the call. I tried to go on to South West Credit Systems website and make an account to verify this but all information I put says there is no record of it. And I am scared to call because I don't want to be pressured to pay a debt I know nothing about.
Consumer complaint received 2024-07-17
Product: Credit reporting 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. (CA)

I contacted the companies and the credit reporting agencies and informed them both that these inquiries were unauthorized and to remove them from report do to the FCRA making it illegal to keep these unauthorized inquiries on my account especially when I informed them that they were unauthorized. Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) XXXX ) transunion )
Consumer complaint received 2024-05-22
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. (NY)

Im in disagreement with the account listed below, which still appears on my credit report even after your investigation I would like this item immediately reinvestigate, the inaccuracies are highly injury to my credit score. XXXX XXXX XXXX  account number XXXX in accordance with the fair credit reporting act public law 91506. Title Vl, section 611. Please provide the names and businesses address of each individual with whom you verify the information. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (MS)

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 and XXXX XXXX : ACOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

1581 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that 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 2024-05-22
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. (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 15 USC 1681. 

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 2024-05-22
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. (PA)

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 accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/year> I sent transunion, XXXX, and XXXX a dispute regarding incorrect information on my credit report and its been past the allotted time of their investigation but they have yet to fix my issue and the incorrect info on my report.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FORD MOTOR CREDIT CO. (NJ)

HI, This is very simple yet very frustrating. I have a XXXX XXXXXXXX XXXX credit card that has a XXXX XXXX program. I redeemed exactly XXXX points for an accessory. The accessory came and my son didn't want it so I returned it to Ford. The product wasn't opened or used. Ford took the return. That took awhile to process but they did. Even though all the disclosures say your points will be returned, it appears they are not knowledgeable in how to do this. I had two long calls with Ford XXXX about this and with a lot of apologies to me but it's incredible I can't get my XXXX points back. These points were earned from the XXXX XXXX card. I just want my points back. Nothing more, nothing less. I returned the product back in XXXX. It's XXXX and the points have not been returned. It's very scary as a consumer. Do they just yes you and tell you there are delays so you give up? I don't want to give up. I returned the unopened product months ago. Why has the points balance not been upgraded? Why do they tell you they can return your points, but you never get them. XXXX  points are a XXXX XXXX. It's like currency. Very disappointed. It's now more about the principle than anything else. 

My XXXX XXXX card ends in XXXX I hate putting my full card number online. Also, when I submitted this it says XXXX XXXX That's my deceased father. Years ago I put a complaint in for him on his behalf. I guess my email is tied to that. My name is XXXX XXXX. I can be reached at XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I took out an installment loan XX/XX/XXXX for a XXXX XXXX XXXX and paid it off XX/XX/XXXX. 
It was originally reported to the credit bureaus as a closed account a caused my score to decrease. 
The account was paid as agreed on time every month. Never any late payments. 
I do understand the account is closed but no comments added detailing my payment history. This account was paid as agreed.
Consumer complaint received 2024-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

I opened up a loan with Santander in XXXX. XXXX of XXXX. Since then I've been paying the payments on it which were {$510.00}. At times I have paid more than that. I just pulled up my XXXX XXXX bill pay records of the past 2 years and this year and it states that I've paid {$14000.00} the past two years towards this car. But they're telling me that I still owe {$6000.00} and the loan is supposed to be up in 3 months! And I've been making bigger payments! I see that Santander has had numerous lawsuits on them. I think they ripped me off!. My car is supposed to be pay off in 3 months and it says I still owe them XXXX grand? And I've been making bigger payments. I got the documents from XXXX XXXX stating how many payments I made this past 2 years.. I think this company ripped me off. They're saying the loan amount was {$23000.00}? That loan was over XXXX grand when I signed those papers at the dealership in 2017. And I paid {$14000.00} the past 2 years? Something's wrong here
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd 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 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 in on those accounts to be removed. 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. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (OH)

A debt collector keeps calling me, then immediately hanging up the phone and leaving a voicemail to call back before I ever answer the call. I have answered the phone and spoke with a woman who I do not remember her name, but I asked her what the debt was for, told her I was confused about the debt and she provided no further information for me and said she is only there to collect the money and can not provide any other information. I also have not received anything in the mail pertaining to this information. Lady was very rude to me on the phone when I kept asking her if she could give me any more details and also did not state to me that I could dispute the debt.
Consumer complaint received 2024-05-21
Product: Credit reporting 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. (GA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 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 XXXXXX/XX/year>