davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (TN)

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 XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number 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 : 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 2023-12-04
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC (KS)

On XXXX I was contacted by foursight Capital for my car payment and I already had an extension in place and the representative did not explain that I needed to accept it online. So I continued to receive collection calls every other day. 
On XXXX I finally told the new representative that there was no notice on my acct and that my new payment was already over {$1000.00}. This representative was speaking so fast and not listening to anything I was asking and just kept trying to collect a payment and not hear me out on my payment arrangement. I told him I can pay on XXXX when I get paid. He noted it. I get a call on XXXX from a new rep trying to collect a payment. I told him I already spoke to someone and set up a pay date and dont know why they are calling and trying to collect on me. They said a note was to call me today and I told them I left no such note and to check the notes. The rep did and apologized and I flat out told him that no one is following notes and they are violating abusive lending which I am protected by. I asked to speak to upper management or someone in legal and he refused to direct me to someone and told me what are you gon na accomplish with that? At this point I am just appalled at the lack of education on violating protections to consumers and their overall customer service. 
I get a call on XXXX which I assume is my follow up but I am at work and this is at XXXX! 
I get another call again on XXXX since this was my pay date and yet another rep is pressing me to get paid and I asked if he was calling me referring the note to speak with upper management and he said sir I dont deal with that I just need a payment. I told him until I speak to upper management or legal than I wont speak to a serve representative. This representative also stated well sir I am not educated on all that and it sounds like you need a lawyer. I asked him if this was him giving me legal advice and he started backing on his words and the representative was rude and also refused to transfer me to management or someone in legal. He continued to try and collect a payment and not follow my directions and I have also asked to be removed from automatic calls and they stated that can not be done. 
This company refuses to follow any lending laws and refuses to take proper notes and have a severe lack of professionalism and only care about collecting and dont ever want you to be escalated to management.
Consumer complaint received 2023-12-04
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. (MI)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MD)

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

These accounts are listed as charge-offs. IRS requires XXXX XXXX XXXX XXXX to send me a 1099C because these charge-offs are considered earned income, and I will have to file a 1099C on my tax return. Therefore, the accounts status has been changed to earned income. My consumer report should not contain information regarding my income. Also, late payments are considered as transaction, according to the consumer law, transactions are not supposed to be reported on my consumer report. Since these accounts have been reported as charged-offs, XXXX XXXX XXXX XXXX never sent me a 1099C and it has been years. These accounts have been reported incorrectly and inaccurately. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (TX)

Amazon offered {$60.00} credit if applied for credit JPMC Chase  XX/XX/XXXX  applied for credit no instant approval Need street address Emailed copy of Texas drivers license XX/XX/ letter receive XX/XX/XXXX  could not read drivers license XX/XX/XXXX  Went in to bank branch and they faxed copy of drivers license confirmed they received the copy XX/XX/XXXX  received letter to contact them with phone number It looks like a delay tactic. 
If they give me the {$60.00} they can keep the card My credit score is above XXXX My husband has an Amazon Chase card
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance XXXX XXXX XXXX XXXX XXXX obscured the true cost of its loan to me the car buyer, leading to severe financial distress for me the borrower and subjected me to aggressive debt collection tactics on a loan its own system predicted that I the borrower couldn't afford to repay, also using the credit reporting agencies to harass and continue to further destroy my credit. 

Preservation of consumers claims and defenses, were not included in the contract pursuant to 16 cfr 433.2 ( a ) Securities and Commodities fraud pursuant 18 usc 1348.

Also no consideration for the negotiable instrument that I created by, so UCC 3-202 Allows me the right to renegotiate the contract.
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. (NY)

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


Account Name : XXXX Account Number XXXX 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.
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Checking account fees. I had {$9.00} available in my checking account. So I deposited a personal check to my checking account of {$250.00}. Bank of America released the funds for me to use immediately. So I used them. Two days later on   XXXX / XXXX /20  17 t he bank decided to place a 10 day hold on that check. This caused my account to now be " overdrawn. '' At this point, they charged a {$12.00} fee for transferring funds from my checking account to cover that  ( after 20 minutes o n the phone with a supervisor, I got that {$12.00} fee reversed ). There was not enough in my savings account to cover all the amount overdrawn, so after 5 days of being overdrawn, there will be a {$35.00} " extended overdraft fee '' charged that they said ca n't be reversed. From my perspective, the bank released the funds for me to use and took them away 2 days later just so they could charge me more fees and tell me there is nothing I can do about it. This feels like a purposeful entrapment policy. Also, the check is good and the funds will eventually be released. It 's just the fees I will be charged in the interim.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The major Credit bureaus TransUnion, XXXX, and XXXX each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights und

er 15 U.S. code 1681 section 602 A. States I have a right to privacy. 15 U.S. code 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX of XXXX  and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from XXXX but to have membership benefits that allow me to see what's on my TransUnion and XXXX reports as well.
Consumer complaint received 2023-12-04
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
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. (TX)

on XX/XX/2023 XXXX sent a letter regarding inaccurate and unknown things on my credit report. On this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equilax data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-12-04
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
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 2023-08-31
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. (NY)

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


Account Name : XXXX Account Number XXXX 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX have never given any credit reporting companies permission to report UNDER LAW FRCA SECTION 605B. I wish to have all reports on my name erased
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. 

XXXX XXXX The Federal Trade Commission XXXX FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. 

This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness.
Consumer complaint received 2018-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

During XXXX breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2023-12-04
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. (TN)

Under the FRCA Im entitled to a description of the nature and purpose of these inquiries. Please provide me with the necessary information regarding these inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA. 

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 2023-12-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$23000.00}
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing with the intent of having specific information removed from my personal file. The details of the items I am seeking to have deleted are outlined within the accompanying report. Unfortunately, I have been subjected to identity theft and wish to clarify that the charges in question were not incurred by me. In the interest of ensuring the accuracy of my credit report, I kindly request the prompt deletion of these items. 
For further credibility to my claim, I have reported this identity theft incident to the Federal Trade Commission. Enclosed, you will find copies of the affidavit provided by the Commission attesting to the identity theft. I appreciate your swift action in resolving this matter. I have attached my ID and Social Security Card to Verify my Idenity.