davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

I have attached the information with my opt-out notice to XXXX XXXX XXXX XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, XXXX, and Equifax. XXXX  XXXX XXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, XXXX, and Equifax
Consumer complaint received 2024-11-05
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. (NC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Creditors Specialty Service Inc (CA)

Received notice of attempt to collect a debt ; performed due diligence and called the agency to dispute the debt ; the Debt Collector then communicated that there was a mistake it was a different Company who was seeking a collection. I explained that the company had been partially paid because due to incompetence on their part a larger debt was incurred and via email had been notified that unless the credit card payment was returned the matter would be considered closed and paid in full ; the collector then verbalized that, that could only be done via a check as payment, then threatened to have me served tomorrow at my address ; I then communicated that, that was illegal as I had not even received proper notice and the opportunity to dispute the debt based on my documentation, the debt collector then began to belligerently insist that there was going to be a suit filed tomorrow, that I was going to be served at my residence, he was going to file the suit before I had the 30 days to dispute the debt ; even thought this particular company had the wrong debt attached to my name. When I informed the debt collector that such actions could not be taken until proper notice was completed and the my right to dispute the debt process completed a law suit could not be filed. The collector kept taunting saying Oh are you upset now when I repeatedly communicated I was not upset that I had just been to XXXX again belligerently trying to have me become emotional he told me to go back to XXXX and practice that XXXX stuff ; XXXX XXXX communicated that his boss wanted to speak with me, I again verbalized I knew my rights and recompense under the law to the second debt collector who did not give me his name much of the same belligerent threats of filing a lawsuit ensued at which time I repeated that I had not even received proper notice he kept repeating he was going to serve me tomorrow if he wanted to and the debt would be over {$500.00} by then, I repeated I knew he was not within his rights to do so until proper notice, and my response process was complete he hung up the phone.
Consumer complaint received 2023-09-06
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, 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
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

The United States Code ( USC ) is a compilation and codification of the general and permanent federal laws of the United States. Title 15 of the United States Code covers various aspects of commerce and trade, but it does not specifically regulate late payments. Late payments and related issues with creditors are often governed by individual state laws and regulations, as well as the terms outlined in contracts or agreements between parties. 

If you are facing issues related to late payments and you're seeking legal information or assistance, it's recommended to consult with a legal professional. They can provide advice tailored to your specific situation and applicable state laws. 

In general, late payment provisions and related regulations can be found in state laws, and consumer protection laws may address issues such as unfair or deceptive practices by creditors. Additionally, the terms and conditions of your specific credit agreement or contract with the creditor will outline the consequences of late payments, including any fees or penalties. 

If you have concerns about late payments or believe that a creditor is violating applicable laws, you may want to review your specific agreement, check relevant state laws, and consider seeking legal advice to understand your rights and options.
Consumer complaint received 2023-04-15
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-02-11
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: EQUIFAX, INC. (CA)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Consumer complaint received 2024-03-25
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. (CA)

The following variation are inaccuracies of my proper name " XXXX XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where XXXX " shall be fined under this title or imprisoned not more than XXXX years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; The following Addresses are also a result of federal law violation pursuant to 18 U.S. Code 1342 - Fictitious name or address and 18 U.S. Code 1341 - Frauds and swindles I demand the following address be removed from both my consumer report and consumer file as they pertain to fraud and identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX note XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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)

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, 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 2023-11-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2023, at the XXXX XXXX XXXX. I discussed purchasing some products from a XXXX XXXX sales representative named XXXX XXXX. We got to the point of discussing price, but never agreed to a purchase. I did not even know about a credit application, as that was not discussed at all. XXXX requested a signature, but I refused and specifically stated that I was not purchasing. I was clear, and there was zero confusion about my refusal. 
Despite my refusal, and in what I consider blatant fraud, an order for the product was placed, and this credit account was opened.
Consumer complaint received 2024-03-25
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. (OH)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX  XXXX XXXX XXXX.
Consumer complaint received 2024-08-09
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. (AZ)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Ensuring punctuality, I've consistently managed payments on this account, never allowing them to lapse. I'm uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's essential to rectify any discrepancies.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I had someone scam my business account over the phone and then go in and get a cashier 's check for XXXX and XXXX. They say the disputing policy for check is 30 days but it happened when I was in XXXX  and I couldn't dispute it. They are turning down refunding the money due to the 30 day rule but I was incarcerated and couldn't do a dispute. I disputed it as soon as I could after jail. They owe me the money cause they were supposed to protect it and they allowed them to walk in XXXX different states and take out XXXX dollars of my hard earned money.
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

FINANCED A VEHICLE VIA WELLS FARGO, AT INCEPTION THE PAYMENTS SHOULD HAVE BEEN DEBITED FROM CHECKING ACCOUNT. ACCOUNT INFORMATION WAS PROVIDED SEVERAL TIMES A MONTH. PAYMENTS WERE NEVER DEBITED WHICH RESULTED IN LATE FEES AND NEGATIVE REPORTING TO CREDIT AGENCIES WHICH IMPACTED CREDIT REPORT AND SCORE. CUSTOMER WAS FED UP OF TRYING TO HAVE THEM CORRECT THE ISSUES SO HE DECIDED TO PAY OFF NOTE WHICH RESULTED IN A FINANCIAL INCONVENIENCE.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I asked them to correct addresses and employers that did not belong to me and they refused to remove them from my report. I have tried several times and gave up on this matter. I also asked them to provide me with report information and that was not provided so that I can correct the items on reports. I feel that this was not very fair on my behalf and want this information corrected immediately.
Consumer complaint received 2024-04-10
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. (IL)

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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-11
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: TMX Finance LLC (MO)

On Monday XX/XX/2023 via us mail I received a " Notice of Data Breach '' from TMX Finance they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter TMX Finance offers me one year of XXXX " Identity Works '' free of charge paid for by them but when I attempted to enroll with XXXX " Identity Works " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by TMX Finance for their failure to protect my personal identifiable information TMX Finance should be ashamed and XXXX should immediately permit me access to said protection.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being late.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

In Accordance with the Fair Credit Reporting Act, XXXX account ending in # XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Most account numbers weren't included in my credit report. 

15 U.S.C. 1681, Section 604, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.