davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (TX)

I've noticed unauthorized hard inquires on my Equifax credit report and I need them removed. The inquiries didn't come from me and I didn't give authorization for anyone else do them on my behalf. Here 's a list with the dates of the hard inquires I need removed with the dates included. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-25
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. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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)

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-24
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 am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) used profanity towards me and to also use my deceased friend as a means to gain debt from me which isnt mine. Has called me during my work hours and nonstop.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I used the Huntington Bank online bill pay portal on XX/XX/2023 to make a {$1000.00} payment for flood insurance. Shortly after the date when the flood insurance payment was due I received a notice from the insurance company XXXX XXXX XXXX XXXX that the flood insurance policy was cancelled for non-payment. When I contacted XXXX they said the payment was never received. I then contacted Huntington Bank and they conducted an investigation. 

On XX/XX/2023 after the investigation Huntington provided me with a one page transaction report that included little information about the payment Huntington claims it sent. I provided the transition report to XXXX and they said the transaction report provided no useful information for them to be able to track the payment and they maintained that the never received the payment. 

I requested that Huntington provide me with either the cashed check they sent to XXXX or the electronic transfer information including the bank, routing number and account number for where Huntington sent the electronic payment. Huntington refuses to supply this information. Huntington also said they would credit my account for the {$1000.00} while the dispute was ongoing, but they failed to do so. I have now had to purchase another flood insurance policy at a higher cost. That policy will not take effect until XX/XX/2023. The house that is insured by the flood insurance policy is a Florida coastal house that is within 300 yards from the ocean, so the home will be exposed to possible flood damage without flood insurance for another month.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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: Express Collections, Inc. (MO)

Dear EXPRESS COLL, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that EXPRESS COLL has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent forEXPRESS COLL to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that EXPRESS COLL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that EXPRESS COLL will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-05-25
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/year>, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-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 results from alleged identity theft, no later than 4 business days after the date of receipt. 

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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-13
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-27
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: PENNYMAC LOAN SERVICES, LLC. (LA)

XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00}
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-12-13
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. (NJ)

XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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. (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.

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2024-07-27
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (GA)

Keep receiving text messages from TrueAccord debt collectors. I do not owe them and have no clue who they are or why they are harassing me. I know for sure that I NEVER entered into an agreement or contract with TrueAccord. I do not consent to any form of communication or collection activity from TrueAccord. This is a cease and desist demand! DO NOT COMMUNICATE WITH XXXX XXXX  is an official demand. If TrueAccord places a trade line on any of the consumer reporting agencies, they will be sued to the fullest extent of the law! Federal law prohibits fraud, false and misleading business practices.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

HUNTINGTON BANK SHUT OFF MY ONLINE BANKING. I TRIED TO CALL THE BANK AND THEY WOULD NOT LET ME UNLOCK BANKING. I WAS UNABLE TO GET THE ACCOUNTS UNLOCKED EVEN WITH ACCOUNTS IN GOOD STANDING, AND I CAN ANSWER SECURITY QUESTIONS. THEY COULD ALSO NOT TELL ME WHY IT WAS SHUT OFF TO BEGIN WITH
Consumer complaint received 2023-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I received a email from the DOE in XX/XX/2022 that stated all my loans are to be discharged, due to a group discharge for school misconduct of all XXXX XXXX. I attended XXXX which is a XXXX XXXX from XXXX. The email also stated I did not to file any XXXX application. My loans are serviced by Navient and have been in constant contact with them about this. Last correspondence was that my loans were going to be placed in an administrative forbearance until they hear from the DOE about my specific discharge. The DOE said that there is thousands involved in the discharge and it is just a waiting game until they get to me. I am a part of a XXXX XXXX with others in the same situation. Many have already received their loan discharges. But it seems the XXXX loans by Navient are taking the longest to get to for some reason. This was supposed to be a swift process. The DOE just keeps saying they have no timeframe. Ive asked why Navient has not even received any documentation from the DOE stating my loans are to be discharged. They just have the email I provided them as proof. Others have at least received updates/paperwork that the DOE approved their discharged. I have not received anything. Ive asked repeatedly for the DOE XXXX department to at least contact Navient to State my loans will be getting discharged. And they have refused and just keep saying to wait. Again just to be clear, my loans are already in administrative forbearance status.
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I owed {$19.00} and was kicked out of my apartment in XX/XX/year>. They charged me a thousand donates a month until XXXX. They also charged me for my deposit instead of returning. I wasn't the only signer on lease. They had me sign the wrong lease to begin with. I never signed the lease for where they say the debt occurred. I have emails, documents and screenshots to verify this. I have tried multiple times in the past XXXX months to get ahold of the debt collectors to discuss this. Have sent them the emails and documents showing this. In XXXX of XXXX they also sent the lease back to my insurance agent ( same month I was kicked out ) stating they were to cover fees from my pet saying I didn't pay that deposit either. They will not answer my phone calls or emails. This has been on my credit almost XXXX  years. It's keeping me from being able to get any financial help for me or my business because of my personal credit having this negative charge of almost {$4000.00}. For owing {$19.00} from XXXX. Which again, I have proof of all this and sent it to them to no avail. The company is NationalCreditSystems
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

Hi Team On XX/XX/2021 I had sold my crypto  Asset GYEN at Coinbase crypto  currency Exchange the status of the transaction was Completed however the funds dint get remitted to USD wallet I made multiple such attempts which failed to remit the funds on to my Usd wallet or allow me to exchange with other crypto asset, my Account was frozen for weeks not allowing me to sell my GYEN crypto coins cash out and this is totally illegal to freez my asset when market was on XXXX XXXX. 

I Need compensation for freezing my Funds for weeks and depriving me from all the profits or opportunities in the Crypto Market for almost 3 weeks XXXX XX/XX/2021 to XXXX XX/XX/2021. 

Also the sell transaction made for XXXX usd needs to be remitted back to my usd wallet. 


Thanks XXXX XXXX