davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MI)

Attached you will see payments made and you will see the balance owed. All you have to do is simple math and see that the balance owed shown is not actually the balance owed when you add up the remaining payments. You will also see that it's showing on my credit report that none of my payments have been made for the last several months when that is in fact wrong! If the CFPB does not require experian and XXXX to fix this then they are culpable and I will include them on my court documentation that will be filed tomorrow.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

CREDIT ACCEPTANCE CORP is reporting a car repossessed and late even after the vehicle was totaled this is a violation of the FCRA. They reported the account late every month for years, but this is inaccurate the car was never repossessed it was totaled in 2020. 

I'll sue under the FCRA sections US Court of Appeals Ninth Circuit, No 00- 15946, NELSON vs. CHASE Manhattan for Defamation and financial injury. Because " CREDIT ACCEPTANCE CORP '' at this point is purposely reporting information to the credit bureaus inaccurately which goes against the FCRA and FDCPA.
Consumer complaint received 2024-08-23
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. (TX)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2023-06-01
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)

Pursuant to the FCRA, the account below has violated my protected consumer rights provided by the federal state under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A section 2 further states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given any such permissions or authorization to furnish the above account on any of my credit reports. Being the litigious consumer that I am, I am confident that we can have this item removed before any court suit documents need to be filed.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (VA)

I first explained to the office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my financial situation on XX/XX/XXXX. 
At that time, I had been XXXX free for two years, recovered from a 35-day Govt shutdown and a setback from COVID-19. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that they had tried to contact me and work with me, but they had not heard from me. Which is not true. I had just contacted them two weeks prior in writing. I had contacted the original creditor 8 times for XX/XX/XXXX XX/XX/XXXX. All those communications were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, to say I was not communicating was just not true. 
The correspondence I sent on XX/XX/XXXX, was opened, and returned by their offices, On XX/XX/XXXX. I proposed a payment arrangement and sent a {$25.00} money order as a good faith jester. That money order was not returned. I assume it was cashed. I was expecting a written confirmation of acceptance of the arrangement or return of the payment with alternative terms. To the contrary they seized the funds without any notification. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX garnished my checking, savings, and an account that belong to my daughter in the amount of {$3000.00} without any notification. 
This garnishment left me with no money to pay other obligations. 

I would like the garnishment returned and a reasonable payment arrangement to be made in writing.
Consumer complaint received 2023-04-16
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: BARCLAYS BANK DELAWARE (FL)

As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Barclay. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft. 

The best course of action to resolve this issue is to have the fraudulent account removed from collections and removed from my credit report.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since 1998. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TN)

On XXXX, XXXX XXXX  ( formerly XXXX XXXX  ) executed an action of withdrawal pertaining to an inactive account in the amount of {$130.00}. Per XXXX 's consumer specifications and guidelines, the bank can exercise its " ability to collect and procure any applicable fees from any other source of active NetSpend account, so long as the account itself is an active account and is under the sole ownership and usage of the person/persons whom 's XXXX XXXXNetSpend All access ' collection of fees for services rendered, pertain to. The card/account that XXXX XXXXNetSpend contend that the fees pertained to was, in effect, an inactive account ( 180 days ). The account, itself, had been, by confirmation of Netspend 's own operatives, officially charged off and supposedly in suspended status. There was no positive balance upon the card.The card had not been and was not being used to any extent. XXXX 's recovery department, then took it upon themselves to access a whole another account ( XXXX XXXX ), separate from any manner of connection to XXXX XXXX  in any way, by using the card as a portal in order to gain access to the other account. This was done by way of the card being listed with XXXX XXXX  as a funding source only for Savings. The card was listed as an external reference source only. The card had not even been utilized since its " initial listing. Again, the card, itself, was unusable as it had no positive balance upon it. XXXX 's recovery department essentially used the presence of the card 's connection to XXXX XXXX  as a " back door '' in order to gain access to the other account ; bypassing XXXX XXXX XXXX  proprietary security protocols. XXXX 's execution of the withdrawal itself was not authorized by XXXX XXXX, or myself in any way, or to any degree. The account at XXXX XXXX  is a separate account apart from the one connected with XXXX. And again, the account that XXXXXXXX XXXX  recovery team asserts that the withdrawal itself had pertained to was, in essence, a non functioning entity as it was a charged off account. As such, it is is overwhelmingly apparent that XXXX/NetSpend has perpetrated a highly unethical and predatory action.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I am attaching my report I am not thrilled about how Experian XXXX and XXXX have attacked me they need to update and fix info that is not accurate on my report Im attaching that info there is accounts on my credit that are over 7 years old that need to come off Im not allowing the bureaus to ruin my score with false info any longer Im also contacting department of justice and XXXX XXXX is a fraudulent account that needs to come off
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX, reported my account 30 days late on XX/XX/2022. 
This information is incorrect and I want this to be corrected on my credit report. 
Have never been late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Consumer complaint received 2024-04-21
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. (CA)

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 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 XXXXXXXX 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XX/XX/. I have reported several things over the past 2 years and yet nothing have been resolved.
Consumer complaint received 2024-04-21
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)

XXXX XXXX, XXXX Company XXXX XXXX XXXX XXXX XXXX, XXXX Company XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Company XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are all the hard inquiries that I currently did not authorize to run my credit or had a recognition of this is fraudulent activity happening on my account i wish to have removed as soon as possible.
Consumer complaint received 2024-04-21
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. (NJ)

The credit reporting agencies are showing payment history on a closed account with XXXX on my profile. It has negatively affected my ability to secure credit and loans. Title 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. I have disputed this with XXXX & Experian to delete the payment history, but they have not.
Consumer complaint received 2024-04-21
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)

XXXX XXXX ACCOUNT # XXXX REPORTED 30 DAYS LATE, ON XX/XX/2022. 


In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.
Consumer complaint received 2023-04-15
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. (GA)

I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( 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 instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Equifax ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The information is not information relating to any transaction made by the consumer ( me ).
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (FL)

Hi EQUIFAX, I woke up today and check my credit report and I seen all those fraud inquiries that shall delete from my credit report. Those inaccurate fraud inquiries were not authorized by me. 

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>
Consumer complaint received 2024-04-21
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. (NY)

I did not authorize the inquiry that took place on XX/XX/2024. I have reached out to the credit bureau to remove this. However, they did not comply, so I am requesting that this be removed immediately. Additionally, attached below will be the identity theft report.
Consumer complaint received 2024-04-21
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XXXX ) I am now requesting you investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified and demand these payments be updated to paid on time immediately. Thank you for your understanding and action.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group (NC)

Received a harassing call from Superlative RM where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at Superlative RM!
Consumer complaint received 2024-04-21
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. (CA)

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website XXXX & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove these items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX