davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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)

n 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 U.S.C 1681 FAIR COLLECTIONS & O. Experian Credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

I owed XXXX  XXXX XXXX credit card and I agreed to pay and for payment to be deducted from my bank account automatically and it never did they did send me to collections even when I was willing to pay an amount to them to settle
Consumer complaint received 2023-09-26
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)

There is a XXXX credit account reporting on my credit report. Ive submitted multiple disputes for this account with XXXX, XXXX, and Experian due to the inaccuracy of the account. 

XX/XX/XXXX I received notice of an account that was disputed via online and it came back again verified and updated. 

XXXX XXXX I mailed a certified letters to all three bureaus in regards to this account. 

XX/XX/XXXX I received notice of an account that disputed via online and it came back verified. 

XX/XX/XXXX I received another update to that account that it is now open The first issue I have is that the issue company is reporting a balance when in reality the company has wrote the debt off and has been able to get money in collateral for the tax wrote off. 

The second issue that I have is I never received any documents about this account. No information on closing of account, no tax documents were sent to me as far as the write off goes becuse it was reporting as my debt. 

The icing on top of the cake is when I received an alert today XXXX XXXX via XXXX saying I had a new delenquent account that was open. And the account was for XXXX for XXXX XXXX
Consumer complaint received 2023-09-02
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: Experian Information Solutions Inc. (TX)

I found an account for the amount of {$1200.00} on XX/XX/XXXX in my credit report that was apparently opened on XX/XX/XXXX for XXXX XXXX. Until this point, I had no idea who XXXX even was. I immediately began to email the company, XXXX, to report that this was not opened by me and to remove this from my credit report and was unable to get any help. I called and they always had phone issues where they could not hear me or somebody in XXXX would pretend that they did not speak English. When I spoke XXXX  to them, the phone connection got worse. This happened multiple times. 

The credit report only showed the first 4 digits of the account and the last two were shown as XXXX I sent a certified letter to the company and their response was that they need the full account number. I once again tried calling to explain the situation and no luck. Bad phone connection or somebody that just didnt know anything. I eventually sent another letter and got a response with the full account number, magically, but that they needed a lot of documents to verify the account. I sent them what they needed : Social security number, pay check stubs around the time the account was opened, credit report showing the account and License. I received no response. 

I've tried many things through varies agencies to try to help me, including Experian, and they could not get ahold of them on the phone either. The latest letter received on XX/XX/XXXX states that all of the information that I sent them matches what they have on file. Of course, it matches, it's identify theft. 

This company has provided little to no information and has not taken any steps to remedy this situation. I have a perfect credit report payment history EXCEPT for this company because who ever opened this account is defaulting on payments.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

For the past 3 years, I've been having to dispute apartment collections in Georgia as a result of identity theft. I've never lived in Georgia. This keeps happening. I submitted my police report, my statement, my ID my social to the debt recovery company. I've contacted them multiple times and they keep saying they are looking into it and they'll get back to me but they never get back to me and don't make any progress in the dispute. They are not being honest and not really disputing, they are leaving it open in hopes that I will just pay it. I will never pay it. It is not mine to pay, nor my fault. The fault is the apartment company who was complicit in a criminal using my social to rent one of their apartments.
Consumer complaint received 2023-09-26
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. (IA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-04-02
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: Experian Information Solutions Inc. (NY)

I recently acquired my credit report and identified some discrepancies. 
Kindly investigate this account and provide the findings by mail. Online resources suggest this should be resolved within 30 days, so I expect your response within that timeframe. 

I would greatly appreciate it if you could promptly update this account in the report. Failure to comply with this request should result in immediate action to rectify the account. It's crucial to verify any errors, including this item/account : XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern Youre in violation of 15 usc 1692D 15 usc 1681A FCRA SECTION 622 Section 624 Section 623 THIS IS EXPERIAN LAST AND FINAL WARNING THIS ACCOUNT WAS PAID IN FULL AND XXXX XXXX AGREE TO DELETE ACCOUNT FROM MY REPORT ONCE I FILE A LAWSUIT FOR MY CLIENT YOU WILL HAVE NO CHOICE BUT TO PAY XXXX $ for violation am writing in regard to the above referenced accounts and transactions.This vehicle was repossessed by XXXX XXXX in the State of Florida on or abou and resold on or about XXXX XXXXUnder the laws of the State of FLORIDA. UCC ( 1-308, you will need to look this up ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, THIS ACCOUNT ONLY REPORTING ON EXPERIAN AND OTHER CREDIT BUREAU DID REMOVE. Your job is to make sure credit report is accurate but clearly none of y'all doing proper investigation. UNDER all available State and Federal statutes and UCC 9 remedies. 
SEEKING XXXX in remedies and DELETE THIS ACCOUNT FROM MY CLIENT REPORT Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (SC)

Please look at Experian CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX XXXX to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MA)

I disputed the debt with all 3 credit bureaus on XX/XX/XXXX and again through XXXX XXXX on XX/XX/XXXX - all results were in and the debt collection was removed from my Credit Report because I paid off the amount on XX/XX/XXXX and balance was on XXXX. On XX/XX/XXXX the collector put a claim on my report that I owe the amount of {$160.00} to which I had already paid on XX/XX/XXXX. I have supporting documents of the debt being paid off and the collector reporting this yet again after the dispute results were in.
Consumer complaint received 2023-09-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (MD)

XXXX XXXX XXXX XXXX, along with their solar panels, have been attempting to make me pay for equipment that doesn't work. I had solar panels installed around XXXX and the panels have not worked correctly since installation. XXXX attempted to address the issue several times, but not that they did worked. The replaced the equipment twice, went on my roof to adjust or fix the panels, as there was water and debris, at one point, preventing the panels from working per one of their technicians. The other times, the electric company came out with XXXX to determine if the electrical equipment was syncing with the XXXX equipment per the solar panels. The electric company ( XXXX ) replaced their equipment and XXXX, supposedly, addressed their equipment, but my electric bill ( regardless of the amount of sun, as my home gets a tremendous amount of sun ) is still extremely high. XXXX verified that there was nothing coming from the panels, which is/was the reason my electric bill has remained, mostly, the same since the solar panels were installed. XXXX 's equipment is faulty and I should not be made to pay for equipment that does not work. With that, the security system stopped working properly, to include the door lock equipment, as it phased out per their technician. I was told in order to continue to receive proper services, I would have to purchase all new equipment, which would have cost over {$900.00}. I asked to have the battery holder for the door lock replaced, they sent a battery holder that didn't fit and then told me that the door lock I have phased out. To me, in order to continue to make money, XXXX 's equipment stops working after a couple of years and then customers, unless they transfer to a better servicer, are made to purchase new equipment. This is a rip off and needs to be addressed properly once and for all.
Consumer complaint received 2023-11-21
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-02
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: EQUIFAX, INC. (FL)

I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

From XXXX this year XXXX I found unauthorized unauthorized user activity from unknown person or people. For one I was informed by Human Resources my information and XXXX Information XXXX XXXX was stolen as to a welfare case in another county it took forever to get my benefits back for two years and no retroactive payments as my son is XXXXXXXX XXXX XXXX XXXX. Then auto accounts came a loan addressed yo ny email and confirmed it on the XXXX website and saw all these accounts being open since XXXX til XXXX. Since all these accounts although negative have not been removed, I was denied mortgage loan through the veteran Program not. An I apply for any credit card. I have suspicion my sister has been involved because she would have such information from report the changing of my nine and mispelled addresses her name is XXXX XXXX XXXX XXXX XXXX  and has a child XXXX XXXX ex husband XXXX XXXX from Florida she could be using that name as for auto loans and home loans she drives and always buys q House I dont even have a driver license or house, the only one I applied for is through military. Please lI need help bc she is very savvy i lost my mom in XXXX and I came across falsified documents taking me off as beneficiary
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2024, I sent a affidavit to Synchrony Financial CEO stating that his company has been put on NOTICE that they are furnishing incorrect inaccurate information. Explaining they are PROHIBITED BY LAW to furnish inaccurate information, while demanding to Cease and Desist the reporting of the incorrect and inaccurate information immediately. No updates have been made as of yet! 
Letter is attached below explaining the law ( s ) that consider this information inaccurate.
Consumer complaint received 2023-09-26
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. (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.

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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or 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 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.