davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (NC)

i have written XXXX equifax XXXX to remove my private information of my bankrupcty from my reports and they lied and wrote back the court gave them the information in which i filed the same letter to the courts in which wrote back they didnt give them my private info... this is a huge disrespectful violation of the laws 15 u, s code 6801 i have consumer protection sections 15 u, s code 6801 @ ( a ) has been violated also ( b ) also sec ( XXXX ) states to insure the security and confidentiality of customer records of information section ( XXXX ) and ( XXXX ) another violation of u, s code 6801 to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer... 

all three credit reporting agencies keeps responding with eoscar automated letters and refuse to obey my privacy rights they do not have any hand written information from me i have been battling this since XXXX and each reponse tells me they verified with courts the courts wrote they dont share my info and are not affilated please have them remove bankruptcy enclosed is prof the court systems the provider isnt lawfully listed this is identity thef on their end..
Consumer complaint received 2024-03-08
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. (FL)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-11-09
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. (MD)

I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account XXXX XXXX. XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, There's a suspicious credit inquiry on my TransUnion credit report that I did not authorize nor applied for on XX/XX/2022 by XXXX XXXX. This appears to be an error by the creditor/TransUnion and/or possible theft of information.
Consumer complaint received 2021-05-22
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. (TN)

XXXX XXXX XXXX Balance : {$1700.00} XX/XX/2020 Debt does not exist and should be removed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct information
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AZ)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-11
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors
Consumer complaint received 2022-11-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (FL)

I do not have a signed contract nor any contract with PROFIT SERVICES GROUP. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with PROFIT SERVICES GROUP. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Consumer complaint received 2022-11-09
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. (LA)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Closed accounts with Bank Of America on XX/XX/2013. The accounts are more than XXXX years old. BOA is reporting incorrect closing date, phone number and address to XXXX XXXX XXXX. I've called BOA customer service on several occasions in attempt to correct the information but it has yet to be resolved
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i have written transunion XXXX XXXX to remove my private information of my bankrupcty from my reports and they lied and wrote back the court gave them the information in which i filed the same letter to the courts in which wrote back they didnt give them my private info... this is a huge disrespectful violation of the laws 15 u, s code 6801 i have consumer protection sections 15 u, s code 6801 XXXX  ( a ) has been violated also ( b ) also sec ( XXXX ) states to insure the security and confidentiality of customer records of information section ( XXXX ) and ( XXXX ) another violation of u, s code 6801 to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer... 

all three credit reporting agencies keeps responding with eoscar automated letters and refuse to obey my privacy rights they do not have any hand written information from me i have been battling this since XXXX and each reponse tells me they verified with courts the courts wrote they dont share my info and are not affilated please have them remove bankruptcy enclosed is prof the court systems the provider isnt lawfully listed this is identity thef on their end..
Consumer complaint received 2024-03-08
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-25
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. (CA)

According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666b A Creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-01-25
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: Peoples Credit Inc. (IL)

On XX/XX/2023 I had a car company my boyfriend was buying a car at run my credit report ( hard report ) without my consent and or knowledge. I told them that I didnt want to be on the deal yet they ran my report twice that day and then again on XX/XX/2023. And when trying to get my personal information back from said company it was impossible. I would like these fraudulent credit runs taken off my credit report and something done about these guys doing this to another woman that is trying to just get away from these guys.
Consumer complaint received 2017-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (MD)

My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : X/XX/17 Date spoke with credit collections : X/XX/17 I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. 


My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. 


What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. 


Thank you, XXXX XXXX
Consumer complaint received 2024-06-11
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)

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (OH)

I fell behind on my payments when the XXXX car sat in repair shops for almost a year. After getting the car back I was making my payments a few days late after the company threatened to repo my car. I replied to their last text saying payment would been made in 4 days when I got paid. The next day they repossessed my car. My payments were not 90 days consecutive missing. I also noticed that all my payments were going directly to interest and nothing to the principal. I called them and tried to make arrangements but the only arrangements they offered were to make an immediate payment or repo. Now for me to get my car back, not only do they want what my loan amount was behind in total but huge fees and bond for a total of {$2100.00}, when payments were only {$320.00}. If one can't pay {$320.00}, how do they expect one to come up with $ XXXX in 15 days? On top of that, to get the car back is the tow and lot fees, which I have not even bothered to check on. I would still have my car had they simply waited 4 days for payment and payments would have been made monthly as required. I have read many reviews on consumer portfolio services and I am not the only XXXX they have done this to. I also noticed a week later the loan company has done a credit inquiry.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile
Consumer complaint received 2022-11-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.