davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (OH)

XXXX A XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX SS XXXX Notice for Proof of Claim Account : THE XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIO LAW XXXX ( XXXX ) No collection agency shall commence XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to doin accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2024-07-06
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. (OH)

There has been improper use of my credit report and even after a reinvestigation nothing has been done. As i stated before this account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. Also this account should reflect the first date of delinquent and it doesnt, its being updated every month. inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My personal bank is XXXX XXXX, I have been paying XXXX  for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when XXXX  sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called XXXX  and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because XXXX  screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in New York hopsital during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.
Consumer complaint received 2023-09-18
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$44000.00}
Consumer complaint received 2024-05-17
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. (NY)

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

XXXX : date : XX/XX/2023 Company : XXXX XXXX XXXX Type : XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX phone : XXXX
Consumer complaint received 2023-09-18
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. (SC)

I received a copy of my Transunion credit report, and noticed several inaccurate information that was reporting. The Fair Credit Reporting Act, ( FCRA ) is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. I would like to correct information reported to my Transunion report. Please see the following information. 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 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 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.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bernhardt and Strawser, P.A. (NC)

See attached document 2nd Notice. 

Bernhardt Strawser, PA, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you the first letter for notice of debt validation. Bernhardt Strawser, PA, you have violated my Rights pursuant 12 CFR 1006.34 ( c ).
Consumer complaint received 2024-05-19
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. (WV)

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 2023-09-18
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 2023-09-18
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 2024-03-07
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 2023-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION (CA)

I submitted my background check on XXXX. It is now XXXX and my date of completion is continually getting pushed back. I have been contacting them by in web messaging, only to be told the same exact thing like a generic message, I called the on the company phone multiple times. They e either hung up before giving me a case number or told me generic responses. One of the persons on the phone told me that my background check is completed and sent to my hiring manager. First advantage has lied to my hiring manager. Told them my background check was completed and that they sent them the results. My hiring manager didnt receive it that day or the next 5 days. They lied to get us off the phone with them. Then they say they cant get ahold of the courthouse. I have done my background check with first advantage 8 months ago and got my background done in 5 days. I then applied at XXXX delivery company and got my background done in 3 days by checkr. Ive done a background check with 2 other companies and have gotten background checks completed within 5 days. This is a profile advantage/ first advantage issue and they are conducting their company. maliciously at the cost of our jobs pending. The last person I called said Id have to wait till XXXX since its Friday and they dont work on the weekends this is the Case number # XXXX I told her to please help me before I complain about the company and she hung up. She also told me this ( XXXX ) I am applying at XXXX and XXXX because at this point I dont have an option and need to start making paychecks to be able to pay my next bills.
Consumer complaint received 2023-09-18
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. (IL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments 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 100 % true, accurate & correct.
Consumer complaint received 2023-09-18
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. (MS)

I am a victim of identity theft. A charge off resulting from identity theft was reported on my credit report. I completed and sent an FTC report and proof of my identity including a copy of Section 605 B of the Fair Credit Reporting Act to XXXX, XXXX, and Transunion. XXXX and XXXX have properly removed and blocked the incorrect information per Section 605 B of the FCRA, while Transunion has declined to do so.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Accounts/tradelines " XXXX / XXXX XXXX exist on my report as duplicate accounts for those " Keybank Na ''. XXXX is the servicer whereas XXXX is/was the lender. XXXX returned the loans to XXXX when XXXX mismanaged a deferment and/or forbearance on all ten ( 10 ) accounts. Unfortunately, XXXX placed derogatory charge-off narratives into the accounts/tradelines before returning them to XXXX. XXXX has inserted the CO annotations/narratives into the accounts/tradelines under " XXXX XXXX. '' Thus, the " charged-off '' annotations and/narratives under the " XXXX / XXXX '' tradelines are false/misleading under 15 U.S. Code 1681e because they give the impression that there exists two ( 2 ) sets of accounts that were charged from balance to loss -- this impacts my credit score. Of note is that TransUnion is the only of the three major CRAs that continues to report these accounts/tradelines, as they were removed by XXXX and XXXX for the reason ( s ) as described above.
Consumer complaint received 2023-09-18
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)

In XXXX I cosigned two XXXX student loans for my granddaughter ONLY on the condition that the loan but deferred until her graduation year. which would have been XXXX. Which we both agreed would be the best option as she and I are low-income. Unfortunately, she had to drop out due to unprecedented circumstances during covid therefore the full amount she was approved for was not disbursed to the college. However, we did not receive an updated approval disclosure for either the loan of the adjusted amount owed or the adjusted Estimated Repayment Schedule and terms. Only notice stating that XXXX 's loans would go into repayment that same year. Nevertheless, from what I read from the Promissory note and Application I read, I ONLY gave the company ( XXXX XXXX Loans ) my permission to pull my credit to check my credibility and financial credit history. However, recently it has come to my attention that all XXXX credit bureaus ( Experian, XXXX, and XXXX ) have been entering lots of inaccurate and false information including late payments pertaining to those loans on my credit report with my written consent. This violates USC Code 15 U.S.C 1682 a.1.a AND 15 U.S.C 1681 ( B ).
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.