davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: 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. 

Experian accounts Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT XXXX Date : XX/XX/XXXX Account Name : XXXX BANK Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXXK Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/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 XXXX 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 2023-11-10
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. (OH)

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 US C 1681. 


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

15 U.S.C 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item. Im 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 information is inaccurate. Do.
Consumer complaint received 2024-03-09
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. (NC)

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : Experian : XXXX XXXX Bank Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - =======XXXX : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXXXXXXXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (MI)

I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I deposited XXXX in my account with TD bank on XXXX XXXX  at XXXX XXXX XXXX Which is a TD Bank Branch . On XXXX XXXX  my account went into a negative for XXXX stating that the owe TD Bank this even though I have 4 receipts from TD Bank ATM machines. They have continually declined my claims, Stating that the money I deposited was not counted for. This is my first experience TD Bank.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to assertively bring to your attention that my credit file currently bears a collection entry from your agency, despite the absence of any monthly historical data for these accounts. I want to emphasize that, in accordance with 15 U.S. Code 1681i Compliance protocol, it is imperative that these entries be swiftly and unequivocally removed.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (AR)

I am requesting to you to correct the inaccurate information on my credit file that are previously reported. I appreciate you in taking time to investigate this issue and for that I want some inaccurate information to be corrected as soon as possible. Based on FCRA, it was there responsibility to make actions regarding this matter. This inaccurate account should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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 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 2023-12-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (CO)

My XXXX XXXX XXXX  was totalled I had full coverage plus gap insurance for this exact reason insurance paid their share gap insurance was supposed to take care of the rest thats why I purchased it 6 months goes by I start getting phone calls from ally financial saying I still owe XXXX + I disagreed gap insurance paid them but according to ally they didn't pay the late fees that supposedly accrued while the insurance company was crossing the t 's and dotting the I 's I refused to pay them 6 months worth of late fees that accrued while they were waiting for my insurance and the gap insurance to pay for the car still they called all day everyday saying they were going to take me to court they were going to ruin my credit for as long as they could my car was totalled in XXXX or XXXX and they still refuse to let up even though the insurance paid them full price for their loss and I couldn't even get another car that is what I got out of the deal not evena souvenir from the wreckage so they paid the money for the the car I was paying them back never missed a payment or late and they want me topay what the insurance refused to they agreed on the price to pay for the car then after they accepted the money and everything was done they want to come after me for nonexistent late payments
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (IL)

In XXXX of XXXX  i filed a dispute on XXXX XXXX for being inaccurate and this item from XXXX XXXX XXXX XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law Experian report # XXXX Date XX/XX/XXXX
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX formally known as XXXX, managed by XXXX XXXX sent XXXX to collections knowing that I didnt owe that & didnt give me explanations on why that was the amount. I left only owing XXXX. I broke my lease because my flooding was a consistent issue in my apartment & management did nothing about the problem, they decided to do renovations while I was living in the apartment, they expected me to pay full rent while everything was going on. I practicality lived with the construction workers. {$1700.00} was owed and my security deposit with was {$1500.00} was supposed to cover the majority.
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

i am a victim of Identity theft. On XX/XX/XXXX, Credit Collection Serv erroneously published a debt in the amount of {$770.00} to the XXXX major credit reporting agencies. I called the company and spoke with a reprehensive named XXXX. He informed me that this debt was originally from XXXX XXXX XXXX XXXX insurance policy for XXXX XXXX, for insurance for XXXX XXXX XXXX. I informed Him that my name is XXXX XXXX XXXX XXXX not XXXX XXXX, and I never had a contract or agreement with Credit Collection serv or XXXX XXXX XXXX XXXX to pay {$770.00}.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-09
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. (WI)

This is my several endeavors 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 Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, 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. (MD)

On XX/XX/23 I contacted XXXX XXXX, and spoke with XXXX in customer service. I informed him, that I received an offer through XXXX XXXX. In addition, I asked XXXX, what credit bureau do you use, and whats the target score for refinancing? He told me, we use Experian, and you need a XXXX minimum score. XXXX also requested my identity be emailed. I gave him the mileage and payoff verbally, emailed drivers license, insurance card, and registration. Afterwards, he ran my credit he blantly lied, that my Experian score was XXXX, I told him he wasnt being honest, and emailed the Experian score XXXX, and XXXX XXXX XXXX offer. Next, he lies about me being {$6000.00} over, he had the payoff, and didnt tell me I was over the limit. He never should have ran my credit. The manager XXXX continually lied, that my file was with a special team. I requested my points be reversed for the credit pull, and more lies and shenanigans is all I received.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (PA)

I've contacted Experian everyday for 1 month. They have refused to help me. I have 2 accounts on my consumer report that are preventing me and my children from being able to purchase a home and will leave us homeless. They have violated permissible purpose, and refuse to do anything about it. I have called repeatedly just to be put on hold and hung up on. I've also emailed the CEO of the company, Me and my family are left with no where to turn. Ill be forced to file bankruptcy to try and keep my apartment as we were suppose to get a home but funding was retracted due to these accounts XXXX Card and XXXX XXXX XXXX XXXX on my consumer report. Please help me and my children.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

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.

The letters are stated with items and issues.

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 2023-05-16
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. (MS)

accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXX XXXX  XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-12-13
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. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX