davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (GA)

per the FCRA as a federally protected consumer I XXXX XXXX, am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt out notice to consumers ; opt out methods, with said company XXXX XXXX. U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully. The reporting of this account as a debt is inaccurate & unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). REMOVE THESE XXXX XXXX ACCOUNTS ASAP.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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.

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. 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.
Consumer complaint received 2024-04-08
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)

I disagree with the reinvestigation results provided by TransUnion, dated XX/XX/2024, reference # XXXX, in relation to my account with XXXX XXXX XXXX, account number # XXXX. I strongly disagree with the findings of this investigation, as they have negatively impacted my creditworthiness. 

Specifically, I dispute the accuracy of the last payment made and the payment history reporting. I am deeply concerned about how TransUnion verified this account and what " rating '' was updated as a result of their investigation. It is imperative that I receive detailed information on the methodology used to verify the account, as well as the specific updates made to my credit report. 

Furthermore, I would like to bring to your attention several discrepancies in the information reported by TransUnion : The reported date closed is inaccurate. 
The maximum delinquency of " 60 '' days is inaccurate. 
The date of last activity is missing. 
The date of removal is inaccurate. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am entitled to full transparency regarding the investigation process and the actions taken by TransUnion. I request that you thoroughly review my complaint and ensure that TransUnion complies with the provisions outlined in the FCRA.
Consumer complaint received 2023-05-06
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: Frontline Asset Strategies, LLC (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

FRONTLINE ASSET STRATEGIES is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give FRONTLINE ASSET STRATEGIES written permission to furnish this account Account # XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX XXXXXXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX XXXXXXXX
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened- XXXX credit XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-17
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. Due to privacy and confidentiality under the law 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 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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - 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 record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - States 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 2024-04-08
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)

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit reporXXXX XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

This complaint is in regards to inaccurate accounts that are being reported by Experian. There are 4 different accounts from The Department of EducationXXXX that all have the exact same account number, different open dates, and different balances. The account number is XXXX. One of the accounts states that my monthly payment is {$0.00}, the balance is {$4000.00}, I was never late yet the original balance was {$3500.00}, and the account was opened on XX/XX/XXXX. 

Theyre reporting another account with the same account number mentioned above that has a balance of {$2500.00} that has a XXXX XXXX monthly payment, has never been late yet the original balance is {$1600.00}, and was opened XX/XX/XXXX. 

Theyre reporting another account with the same account number as stated above that has a balance of {$6800.00}, with the monthly payment of {$0.00}, has never been late yet the original balance is {$6000.00}, and the opening date is XXXX XXXX Theyre reporting another account with the same account number as stated above that has a balance of {$6800.00}, a monthly payment of {$0.00}, has never been late yet the original balance is {$4300.00}, and was opened on XX/XX/XXXX. 

This clearly indicates several inaccuracies from the balances, original balances, dates open, monthly payments, and multiple accounts with the exact account number. 

According to 15 usc 1681 all credit reporting should be accurate and fair! 15 usc 1681 ( a ) Accuracy and fairness of credit reporting The congress makes the following findings : ( 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. 
( 2 ) an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) it is important that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this sub chapter 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 matter which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter.
Consumer complaint received 2024-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES (CA)

On XX/XX/XXXX, I was admitted to the hospital following an XXXX that was not my fault. I provided my insurance information and paid my deductible in full upon arrival. Upon discharge, I hired an attorney to assist with my claims as the at-fault driver was grossly under-insured. On XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$64.00} and on XXXX in the amount of {$480.00} bringing the total balance due to {$540.00}. This was paid by my personal check # XXXX for {$480.00} and a XXXX check # XXXX issued by my attorney, XXXX XXXX in the amount of {$64.00} on XXXX noting that the account was paid in full and requesting full satisfaction of their reimbursement right. At that time, my obligation to XXXX was fully satisfied. 

Fast forward to XXXX, XXXX, three years later. I began receiving text messages from an unknown number stating I owed money to a hospital. Because my attorney had settled my case in XX/XX/XXXX, I had at first assumed this to be a scam or fraudulent request. I then received an invoice dated XXXX, from XXXX which requested I pay a total of {$610.00} for date of service XXXX. I immediately contacted my insurance company, and spoke with XXXX at XXXX XXXX XXXX to ask why this bill was not paid three years ago. I was informed by XXXX that XXXX had neglected to submit this bill to XXXX XXXX XXXX until XXXX, over three years AFTER my accident and admission to the hospital. Due to XXXX submitting this claim " too late and after timely filing, '' I was told by XXXX XXXX that I was not responsible for this claim and that XXXX needed to write-off or adjust this bill. All claims processed properly were paid in full. We immediately reached out to Kings Credit Services whom XXXX had sent collections to and informed them of the situation providing all documents from attorney. Proof of payment, proof of account paid in full by attorney, attorney letter, proof of correspondence with XXXX XXXX. That was sent certified mail and signed as received by XXXX XXXX XXXX from Kings Credit Services. I also spoke with XXXX from Kings Credit Services on XXXX who was a supervisor and stated she would handle this matter. On XXXX, XXXX who represents XXXX for recovery services demanded payment of {$610.00} for a claim not properly billed by XXXX. I have now been wrongfully and negatively reported to multiple credit agencies in the amount of {$840.00} reported XXXX. I am asking for help to resolve this matter as both my attorney, XXXX XXXX and myself have gotten nowhere with this company.
Consumer complaint received 2024-03-18
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-18
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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (CA)

1.XXXX XXXX lied about rate 2.final bill was in dispute w 1st collect agency for 8 months 3.results were to send charges back to XXXX XXXX 4.when i call XXXX back for 2 months reps claimed no knowledge and that i would receive info in mail to be patient 5. 1 year later i receive letter not from XXXX XXXX  but from new collection agency SAS, LLC 6.Called immedietly made payment 7. CURRENT SAS, LLC COLLECTIONS REFUSES TO REMOVE COLLECTION WRONGFULLY REPORTED FOR FINAL BILL I PAID FOR AND STAYED ON TOP OF FOR OVER 1 YEAR.

I CURRENTLY HOLD 17 ACCOUNTS OPEN ALL IN GOOD STANDING AND 100 % PAYMENT HISTORY FOR OVER 6 YEARS. I KNOW THE IMPORTANCE OF MAKING PAYMENTD ON TIME. SO I ASK THAT U LOOK INTO MY MATTER SO I COULD HAVE THIS WRONG REPOTING TO MY CREDIT REMOVED. THANK U. 



XXXX XXXX LIED ABOUT THERE OFFER TO ME. 
I had decided to use XXXX XXXX for my cable tv needs. i was offered XXXX a month w more channels that i had w XXXX XXXX. also no activation, free XXXX XXXX, free movie channels and all sounded good. at first i was exited that i was getting a good rate so for the first 3 months i recieved no bills in the mail, turns out that when they asked me to give them a XXXX dollar DEPOSIT from my credit card it was to show that i was being serious about the service. come to find out out through my bank account they had really set me up w automatic withdraw from my account witch i never authorized. i called immidetly and had charges adjusted and for months i continued to call back and get adjustments. till the 1st year of our 2 year contract witch by the way i also didnt know about came about. after the 1st year was over rates tripple witch at that point i made the dicision to cancel the service. I continued to dispute the charges and was referred to a collection agency witch said they would put my account in investigastion. after 6 months collection agency said accoun t was sent back to XXXX XXXX. i called XXXX XXXX and asked for info on the aACCOUNT. THEY WERE unable to pro-vide me w any info and that i would recieve something in the mail.i waited and waited till today i recieved a letter froma new collection agency asking me to pay full balance and making aware that it was wrongfully notified to my credit witch i take good care of. i paid them there balance immidetly and asked them to remove it ferom my credit and they refude to remove so that why im filing my complain.