davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: 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 has violated my rights. 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 2023-11-23
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 to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an XXXX report which I included here with report number XXXX AND XXXX for your reference and as proof.
Consumer complaint received 2023-11-23
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. (NY)

these accounts with incorrect information do not belong to me, i want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (PA)

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (LA)

My name is 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 2023-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

i did not authorize or give permission to run my credit to any companies nor anyone at all i would like for you to remove any and all hard inqury off my credit report that iam makeing this complaint on
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

AT ACCOUNT OPENING THE BANKER DID NOT FOLLOW MY INSTRUCTIONS TO DEPOSIT MY MONEY INTO CD AND ONLY OPENED CHECKING ACCT. MY INTIAL AND ORIGINAL REQUEST WAS TO OPEN CD AND CHECKING ACCT. I ACTUALLY OWED A DEBT WHICH I HAD TO PAYOFF THEN I WAS ABLE TO OPEN AN ACCT WITH CHASE. ALL I KNOW IS I WANT TO WITHDRAW MY MONEY AND CLOSE THIS ACCT AND I CANT. CHASE EMPLOYEES HAVE DISCRIMINATED AGAIST MY AGE, GENDER, AND XXXX I WILL FILE LAWSUIT.
Consumer complaint received 2024-04-12
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. (NV)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

Calvary Portfolio Services already acknowledged fraud and stated they would send out a fraud packet to complete as the original packet wasnt received being sent to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX You cant legally acknowledge a fact, then ask a claimant for evidence to satisfy their burden of proof. As with XXXX XXXX XXXX, case number : XXXX is already determined ID theft superseding their internal processes.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-11-23
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)

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 Account Number : XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

I have wrong information on my credit account including my name phone and credit info that's in correct I have fraud stuff on there and stuff I nevered applied for as well I have inquiries that's not mines as well I have sent in info to the credit Buerus to get it removed and they nevered did need this look into to get my credit fix its really Messing up my life
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake. 

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (IL)

I DID AUTHORIZE THESE INQUIRES 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-11-23
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. (GA)

I have tried since XX/XX/2022 and even before that to get Equifax to get my credit report correct and not give my info to others that I didn't acknowledge. After their company was breached, I didn't even sue but I was a victim of that breach XXXX years ago. Also, for years they keep putting my account as a " XXXX '' lock or something when I've called numerous times to have it removed. So now, an XXXX of XXXX has been sent to them in pursuant to 15 US Code Title 15 Chapter 41 Sub III 1681c-2a for defamation and financial injury. I can not keep losing out on my rights because of the negligence of this company. I will attach a copy of the XXXX. Don't send me any XXXX letters either.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

On XX/XX/year>, I was called by " XXXX '' ( XXXX XXXX. XXXX ) from I.C. System Inc. ( " I.C. System '' ) attempting to collect a debt from XXXX. I believe this may be in regard to written correspondence I received from I.C. System, dated XX/XX/year>, to which I replied in writing in a Letter Re Debt Collection Attempt, dated XX/XX/year> ( the " Letter '' ) concerning an amount alleged owed totaling {$280.00}. 

On the phone call, as I did in the Letter, I requested written documentation itemizing each and any alleged debt that is owed so that I can verify the veracity of the claims myself. 

On the phone call, instead of agreeing to provide such written documentation, XXXX argued that she didn't have to provide it and that they didn't have it nor were required to and instead kept threatening to take action and report the debt. ( I additionally indicated on the phone call that I was unsure about some of the alleged details ( e.g., time, place of return, address at the time ) and why I wanted to see written documentation, but that was also ignored. ) To be sure, I have yet to receive a response to the Letter. But given XXXX XXXX attitude on the phone call, I was alarmed by this conduct and am proceeding to file this report.
Consumer complaint received 2023-11-23
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. (MA)

I am writing to bring to your attention a matter of dispute with Equifax, one of the major credit reporting agencies, regarding inaccuracies on my credit report. On XX/XX/XXXX, I initiated contact with Equifax concerning the following incorrect information, but to date, they have not provided a response. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Inaccurate Information and Required Corrections : The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Request : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Request : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Request : Please remove it from my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Request : Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

My school loans with Navient have been discharged since XXXX of this year. It is reporting closed on every report except XXXX. I have tried to dispute several times and it says it comes back accurate. I have called Navient several times and they say they will report it and never have.
Consumer complaint received 2024-04-12
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. (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 - Account number # XXXX, has violated my rights. 

XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights U.S Bankruptcy Court - Account # ( Reference Number ) XXXX, has violated my rights 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I opened this account for credit building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments which are inaccurate and in violation of 15 USC 1681. Not only are they in violation for furnishing an account with inaccuracies, but this account is also in violation of 15 USC 1666B. There is a billing error considering the accommodation and the account was paid and closed.
Consumer complaint received 2023-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC (NY)

APELLES collection sent me a bill asking me to pay the balance of {$2400.00}. I was told that my health insurance never pay the bill. They said that the bill is for the month of XXXX, XXXX 

I called the XXXX XXXX where I did the Heart monitor ( TLC diagnostic brand/company ). Biller from XXXX XXXX says that I don't have any money owed. I was told that my METROPLUS GOLD insurance already paid the whole bill. 

The BILLER sent a document thru email and my balance is totally {$0.00}. 

Below are the phone number to reach out if ever you need to verify anything. 



XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (NY)

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. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX XXXX5 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

I have called the customer service of Elan Financial many times and they Represented/Told me what amount to pay in FULL so that I do not pay any interest. I HAVE {$0.00} PAST DUE. I EXACTLY PAID WHAT CUSTOMER SERVICE REPRESENTED TO ME AS TO WHAT I NEEDED TO PAY " IN FULL '' BEFORE THE DUE DATE " SO THAT I DO NOT PAY INTEREST ''. YET ELAN FINANCIAL CHARGED ME {$81.00} INTEREST IN MY XXXX STATEMENT, WITHOUT ANY REASON AND AGAINST THEIR CUSTOMER SERVICE 'S REPRESENTATIONS.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (VA)

My name is 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 2024-04-12
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.

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.