davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (CO)

I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. XXXX it is same thing with XXXX that keeps ruining my credit record. It is full of racists. 

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CLGF Holdco 1, LLC (AL)

Destiny Mastercard discriminate against me by lieing that the reason for denying me they could not obtain credit score.And in violation of equal protection.And in violation fair protection act
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately - 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 2024-05-04
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. (TX)

I am writing to formally dispute inaccurate information on my TransUnion credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 



XXXX XXXX XXXX XXXX XXXXXXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX XXXX XXXX XXXXXXXX - There's an error in reporting these late payments as the account was closed before the reported dates. Please investigate and remove these late payments from my credit report. If unable to verify their accuracy, please delete the entire closed account. 

XXXX XXXX XXXX XXXXXXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX - I found late payments inaccurately reported on this closed account. Please investigate and remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account. 

XXXXXXXX XXXX XXXXXXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a zero balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 


Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm. 

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.
Consumer complaint received 2023-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

as of XX/XX/23 they are stating my IBR has expired. However, Studentaid.gov says it has not and I do not need to recertify as of yet. They have sent no correspondence to my place of residence or notified me of messages in an inbox Navient.com that I never knew they were sending things to. The only reason I even went on today XX/XX/23 was because on XXXX at XXXX i received my very 1st phone call from this company. the lack of communication is horrible. I know have a late fee for something I have no clue what it is for. I was told it was from something prior.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (NC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-05-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (AR)

I purchased a XXXX XXXX XXXX through a local XXXX in XXXX of XXXX. We financed initially with Bank of the West ( BNP ) and everything was smooth. I would send in extra payments for principal to pay off the loan earlier than the term. BMO bought out Bank of the West last year and even though they sent a letter stating that nothing will change with my current loan, it most definitely did. I wanted to keep sending in extra payments but that process was quite difficult. The first check I sent in even though nothing was due was put 100 % towards interest. I even marked on the stub principal only, hand wrote principal only and wrote principal only on the check and they still took it upon themselves to put it towards interest only. I then called and was on the phone for at least 1 hour and eventually they refunded the interest only payment and put it towards principal. Well, the next time I sent another check in for principal they put it towards interest only. At this point, I called again and they refused to refund the interest only payment. Their explanation was that because I was ahead of my payments they needed to collect interest. This did not make any sense to me. So at this point since I did not have payments due for several months, I just waited until a payment was due to make a payment. However, I received an invoice which stated no balance due in XX/XX/XXXX. Two weeks later a payment was posted on my bank account from BMO. I checked my BMO app and it had posted to interest only. I tried to message them but did not get an explanation. The next month another payment went through and it was towards interest only yet again. At this point I was extremely frustrated. I sent another message for an explanation and 2 weeks later finally got a response which did not address anything that I had asked for. I decided at this point to refinance with my local bank, even though at a higher rate, just so I don't keep getting scammed by BMO. I don't know how a bank like this can survive. Their customer service is terrible and I feel like they stole from me. I don't expect anything will be done, but I wanted to let a government agency know this is how this bank operates. Thank you for your time.
Consumer complaint received 2023-12-28
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. (NV)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-08
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. (TX)

Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.
Consumer complaint received 2024-05-28
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a XXXX XXXX XXXX card for {$500.00} on or around XX/XX/year>. It worked for a little bit but then stopped working with {$290.00} left on it. I asked for a replacement card, but the company refuses to activate the replacement card. It doesn't work. I am out {$290.00}.
Consumer complaint received 2022-11-24
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. (NY)

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 Account names has violated my right. 
15 U.S.C 1681 section 602 A. States I have 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 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have tried to resolve this account from this company numerous times, I previously had identity theft and have provided information to this company numerous times. How can you report a debt when a person has told you they are a victim of identity theft and the account is not accurate. This should not be reporting on my credit report, this needs to be deleted. I have been a victim of identity theft for years and this is still causing XXXX  and XXXX. Sending screenshots from a previous company does not show that this account is valid, when people can fill out information online or report anything that is not accurate. If you know that all data on an account has doubt and not for sure its no way this this ethical to report.
Consumer complaint received 2023-12-28
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXXXXXX XXXX website for their privacy policy. Requested to opt out of XXXX XXXX XXXX sharing my non public info. The representative I spoke with whose name is XXXX ID # XXXX  told me there was no opt out option available. This interaction took place XX/XX/XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Date : XX/XX/year> Amount : XXXX Complaint : A Charged Off account is a certificate of certificate of indebtedness which means it is income and must be removed from credit report. 

No steps were taken by the company to remedy the reporting to the consumer reporting agencies.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX  Date open__XXXX_________ Account Number __XXXXXXXX__ Reason for dispute__IDENTITY THEFT Account Amount __XXXX_ Account Name XXXX_  Date open__XXXX__________________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX
Consumer complaint received 2023-11-09
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. (UT)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (PA)

This is 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MA)

Dear Sir/Madam, I am writing to dispute owing any and all debts to I C SYSTEM INC I am requesting debt validation. I am requesting the purchase agreement between I C SYSTEM INC and the original creditor XXXX XXXX. I am requesting proof that C SYSTEM INC Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of I C SYSTEM INC communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-28
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. (FL)

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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.