davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (DE)

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 NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to XXXX, TransUnion & XXXX. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (WA)

Clearing credit 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, Account name : # XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX, Account name : # XXXX XXXX  , has violated my rights. 


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 2023-07-16
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. (SC)

Back in XX/XX/XXXX, I dispute the Bankruptcy on my Experian consumer credit report. And result from Experian reinvestigation concluded that the Bankruptcy will remain on my consumer report XX/XX/XXXX. Experian didn't send me proof of their reinvestigation. Report # XXXX. For anything to be reported/furnished on my consumer credit report, I must give my written instruction per 15 U.S. Code 1681b. and I didn't not give Experian my written instruction & Experian violate my privacy.. Bankruptcy is public record BUT, I did not give Experian my written instruction. And U.S. Bankruptcy court doesn't not furnish any records to credit reporting agencies ( see the attached letter from the Bankruptcy court ) here is the violations : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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.

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
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (AZ)

On XX/XX/2023 Transworld System INC was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MI)

I reached out to Rent Recovery Solution by phone on XX/XX/2024. The rep was unable to locate account with my social, although a rental collection for XXXX at XXXX for {$2500.00} is reporting to my credit report. This confirmed that this is mismatching information and that this collection agency has the wrong person. Im requesting this be removed immediately and Im seeking damages financially of {$200.00} violating my rights, also negativity impacting my credit resulting in denied recent applications.
Consumer complaint received 2024-03-27
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. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (AZ)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/, XXXX XX/XX/, XXXX XXXX XXXX, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

There is another person on my experian account They have the same email as me one letter somehow experian person put their info on my credit report assuming it was me. 

There email is XXXX My email is XXXX Somehow someone in experian confused that person with me and put their info on my experian account now im unable to get in.i need their info taken off my account and my info put back on
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (NY)

I received 3 separate emails stating that I had opened 3 checking accounts with Ally Bank. I never opened any accounts with them. I called several times and basically received the runaround. Today I received a letter from Ally stating that these accounts were now restricted due to unusual activity on XX/XX/year>. I called their fraud department and again was given the runaround and the person I spoke to was very vague and stated it would take 30 days to review and someone would call me back. I am very upset that 3 accounts were opened in my name without my permission.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (NY)

Put my address back on my Experian credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for XXXX, XXXX, Experian to the lastest credit report of 2023 of XX/XX/XXXX Thxs
Consumer complaint received 2024-01-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MN)

My XXXX XXXX is on a year long internship with XXXX. Firstmark Services refuses to place the loan into forbearance status. I sent a letter from XXXX and completed required forms for account XXXX, yet payments continue to be deducted from my bank account. Firstmark has very confusing website information and it is difficult to understand how much is being deducted each month. Finally, in submitting documentation to Firstmark, they ask that sensitive information including social security numbers be emailed to them via non-secure email.
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WI)

My name is similar to the name on the account but is not me. The name on the account is my father who has a very similar name and lived and had the same mailing address. I have tried to explain this to the original creditor XXXX XXXX. They just give me the run around and do not want to investigate the fraud and issues. So instead of working with me to get it resolved, they just charge it off on their taxes and sold the debt to a debt collector and I have to start all over again with them. It has been nothing but a headache, XXXX who owns the debt now has forwarded it to a law firm. I tried to talk and explain the problem with them, and they do not want to hear it, and just threaten court action if I do not pay. I finally got some forms and paperwork from Resurgent Capital Services to fill out and maybe now it will be looked into on XX/XX/2023. Hoping a resolution can be reached after an investigation is completed. I will keep you posted. Thank You
Consumer complaint received 2023-09-14
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. (TX)

im writing to formally dispute several hard inquiries listed on my report which were made without consent and in voliation of FCRA 15 U.S.C subsection 1681b. As per understanding FCRA, hard inquiries can only be made if they are related to a permissible purpose, such as an extension of credit, employment purposes. i never authorized these entities to access my credit report nor did i apply for any credit or service from them
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : 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 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (FL)

After the last complaint that was submitted on XX/XX/XXXX  the company stated that I was paying late but went and removed all late fees and negative remarks from my credit report. But yet they constantly practice this every month of reporting that I pay my mortgage late and report it late to the credit bureaus and then I find that they have been charging fees and reversing them out but they are still showing that they have been paid. What are these fees for? I also, found out that they have been over charging me on my taxes and escrow. I live in the state of Florida and I'm a XXXX veteran that has a homestead exemption. I believe this company is scamming folks while ruining their credit at the same time. I entered into an agreement to have my mortgage without out of paycheck every two weeks and they need to honor it and STOP this madness.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

During XX/XX/year> I finally complained about JPMorgan Chase and requested proof the debt belonged to me. I asked for a copy of the contract with my wet signature. I never received it. Since that time the JP Morgan Chase has sort to sue me for something I have asked clarity on. They sent letter showing statements with my name and address, that does not prove debt is mine. As I have had mobile bills come to my address with my name and they were not from the carrier I do business with. So I am understanding that this is not proof of debt. I have been finding other inconveniences from having my information used without my consent so I asked for proof of debt not to be sued because I am looking for clarity from a big business claiming to have charged off this debt and now bullying me to pay.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A purchase of XXXX was applied by error to our credit card on XX/XX/2022 and immediately refunded by the merchant. However the charge appears as {$820.00} with XXXX XXXX XXXX and the refund as {$820.00} with XXXX Exchange Rate. The latter rate is not correct and I request a refund of {$9.00}.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-01-16
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)

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 a 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.