davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (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. 

I told the XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

15 USC 1681 SECTION 602 A. states i have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2024-02-20
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Financial Business and Consumer Solutions. (GA)

On XXXX/22 at XXXX, FBCS , a debt collector company, sent a text stating I was enrolled in notification services. I did not give consent to these messages and/or notifications. I did unsubscribe, however I do wish to file a formal complaint.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (PA)

I purchased a few things from XXXX and they sent me the wrong item they are refusing to send me a return label and the credit card company is refusing to credit my card back. So I had to pay for shipping myself to send everything back
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

Last year I was notified that I had a debt from best buy/city bank regarding a debt that I hadn't paid. However, I had never made an account under the city bank or best buy. Then When I tried contacting them for an invoice or proof of purchase, they were unable to provide that information.
Consumer complaint received 2023-09-22
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-08-30
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. (MA)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

An old paid off account that is reporting incorrect on my XXXX and XXXX accounts from Sears/CNBA. Its over 13 years old and still showing up on my credit report. Its hurting my ability to get credit.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

* Contacted XXXX XXXX XXXX XXXX XXXX  back in XXXX to correct the balance * Called XXXX on XX/XX/XXXX and spoke to XXXX who works on XXXX XXXX Legal Collections Team ( who was very helpful ) along with XXXX who manages coordination with XXXX XXXX XXXX XXXX XXXX. XXXX conveyed her apologies for the oversight of the late reporting, and payment history since the account was settled in XX/XX/XXXX, but their documentation reflects XX/XX/XXXX. 
XXXX XXXX that XXXX  would update the XXXX XXXX that day, but it would not reflect until XX/XX/XXXX. XXXX advised me to reach out to the law firm XXXX XXXX XXXX ( XXXX ) XXXX for the satisfaction of Judgement ( SOJ ) I spoke to XXXX XXXX who was not helpful at all, and suggested I call XXXX back. 
* XX/XX/XXXX I had a conference call with my Mortgage Counselor ( XXXX ) and XXXX to get an update on my credit score and documentation. I asked to speak with XXXX since she spoke to me initially, but XXXX who was very guarded with her responses and stated she was not available, but she would try to help. XXXX basically confirmed what I already knew to be true... nothing was done, and no documentation was available. XXXX also mentioned that the refund would be sent to XXXX XXXX, but did not share the amount. XXXX made note of both XXXX and my email address to forward the requested documentation. 
XXXX I received a letter from XXXX regarding my credit dispute stating " we do not have enough information from you to review your inquiry ''. 
XXXX called XXXX  and spoke with XXXX who stated XXXX  received the reference number for the SOJ but would not give me the number, but suggested I reach out to the District Court 's office. 
XXXX My mortgage team had XXXX XXXX XXXX XXXX ) reach out to me to have my tradelines updated without any late payments. XXXX ( XXXX ) and I conference called XXXX  and XXXX who was extremely helpful ( manages coordination with XXXX XXXX XXXX XXXX XXXX ) answered the phone and apologized for the inaccurate reporting, answered all of XXXX questions. Even though her office has a copy of the ( SOJ ) its not signed by the XXXX. XXXX suggested I reach out to the XXXX XXXX for an update. I called the XXXX XXXX again and spoke to XXXX XXXX again who couldn't even find my file with my account number. He found it eventually and confirmed that SOJ was still not signed, but that it could take a few days. I stated that's what you said this the last time, and nothing has happened! He was not professional towards the end of the call. 
XXXX XXXX XXXX out to me and stated that late payments are still reporting on my credit history even though it has a XXXX balance. XXXX suggested I call XXXX again to have them correct it. XXXX stated she always has difficulty when dealing with XXXX XXXX. A formal complaint to Consumer Financial Protection Bureau ( CFPB ). 

I will call today again on my behalf.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with TRANSUNION. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Collection Services, Inc. (OK, TX) (OK)

I have a couple of derogatory marks on my credit that should not be there. My father and I have the same name. His bills from the Oklahoma XXXX Hospital were put into collections in my name and then sent to my credit report. There are a total of three of these marks, with XXXX XXXX stating that they have been on there since XX/XX/2013. They are all from American Collections, the totals for them are {$24.00}, {$50.00}, and {$87.00}. I have called the XXXX Hospital and they are trying to send the bills to the correct person, but I still need them taken off my report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SYNCB/SAMS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

For the past 9 months, I have been sending dispute letters to this company however, for every dispute letter that I've mailed to them I sent as certified mail for tracking information. However, every time the dispute letters have been delivered I keep receiving an email from them stating that they received my dispute letters but do not believe it was sent by me. However, all of my letters were sent with the appropriate verification documents required by the law. Additionally, every time I call them regarding the email and to verify the letters for a dispute, the representative tells me that once their system flags the documents for this reason they discard the letters so I will not be able to submit them for a dispute once this happens. I've also called and submitted a complaint with a representative over the phone and this issue still occurs.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I keep getting an error while trying to log into my Equifax account to dispute some information. My account wont let me in despite changing the password. I have called and emailed this company and its as if no one works there.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per XXXX XXXX, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-06-21
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: HW Holding, Inc (TX)

XXXX XXXX XXXX amount {$4700.00}. I was XXXX XXXX and was put on reassignment and submitted my XXXX XXXX to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX XXXX {$3900.00} I was XXXX XXXX and was put on reassignment to XXXX  and submitted my orders to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX receive the property and reported it to collections with a balance of {$4100.00} which I was told, all was needed was to collect the property. Ive been reaching out since XXXX for theie actions to be corrected and no response. 

All companies did not honor my XXXX XXXX and have been harassing me to pay a balance that is not legal. Since then, date have been updated on those XXXX accounts which I have reach out to them multiple times to dispute.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Pursuant 15 U.S.C 1681c-2 the request to block and delete the following fraudulent accounts is not made in error. Attached is my identity theft report. 

Delete and block the following fraudulent accounts XXXX XXXX Account XXXX Balance {$2400.00} open XX/XX/XXXX XXXX XXXX XXXX account XXXX balance {$2300.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2400.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2300.00} date open XX/XX/XXXX XXXX XXXX account XXXX date open XX/XX/XXXX balance {$1000.00}
Consumer complaint received 2023-11-28
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)

I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals.

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D.

Ford Federal Direct Loan ( Direct Loan ) Program and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the E Oscar database that show that you have legal rights to report all items on my credit report that I did authorize you to register.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have received repeated emails from companies called XXXX XXXX XXXX XXXX . I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report. 

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.
Consumer complaint received 2023-09-15
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-20
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. (FL)

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.