davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-07-25
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. (FL)

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-10-28
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. (AL)

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 USC1681. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2023-05-01
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. (SC)

I am writing to file a complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted XXXX to dispute the following inaccurate information on my credit report. Despite my efforts, to this date, I have not received a response or resolution from them. 
I am requesting the immediate correction of the following errors on my credit report : The account with XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ) is not mine. Please remove it from my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  ) is not mine. Please remove it from my credit report.
Consumer complaint received 2022-10-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX a credit bureau must verify this item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (NC)

I had to make a late payment, so I called and asked if I could make a double payment for {$290.00} after I got my check on XX/XX/XXXX or XXXX. I told him I get paid on the XXXX but sometimes it doesn't clear until the next day so I would pay by Saturday the XXXX at the latest. He said something at the end of the call that made me say, Sir I do not want an automatic payment t set up. XXXX XXXX is funny, and because sometimes my check clears later that night or the next day if you take that payment out in the morning or before my check clears they will charge me an overdraft fee. I EXPLICITLY said I do not want an automatic payment set up and told him why. He said this isn't an automatic payment you can just go online and pay it like you usually do. So they did an automatic payment on the XXXX anyway before the end of the business day. My check had not cleared yet, so my bank emailed me about the transaction. I called them, they said they could not stop the payment, but that if I showed them the transaction and negative balance, and showed them the overdraft fee they could reimburse me the overdraft fee. That was fine. Then XXXX called back and said that a supervisor had reviewed the call and that the payment was agreed upon. That is a bold face lie. I EXPLICITLY said in exact words that I DO NOT WANT AN AUTOMATIC PAYMENT SET UP and told him why, and he definitely replied with, It isn't an automatic payment ... .etc. so I asked XXXX to let me speak to someone who would review the call on the phone with me and then tell me I agreed to it. She put me on hold, came back and said she couldn't get a supervisor because she works from home and the people that review the calls work in the office. Then at the end of the call she said, " Yes ma'am, I'll do that tomorrow as soon as I come into the office. '' So she lied to. I want Then to review that call with someone in the FTC and then explain why they are doing what their customers EXPLICITLY ask them not to do, taking payment without and consent after they were expressly told they DID NOT have my permission to do so. Then they can explain why they lied and said I did agree to it so they didn't have to give me back the {$35.00} extra they cost me by doing what I told them they did not have my permission to do. I could have stopped the payment through my bank but it would have e cost me {$31.00} to do that and the overdraft fee was about the same, I had to make the payment anyway so I did not do that. But what they did, and lying about that and other things is unethical and fraudulent.
Consumer complaint received 2023-01-04
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. (FL)

My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : Account : XXXX XXXX XXXX : Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-05
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. (LA)

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 XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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. 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 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (WA)

On XXXX I received an invitation from American Express to upgrade my existing account to a new card with better benefits. I called the number on the invitation and was routed to XXXX. The rep who spoke with a heavy accent asked many personal questions in order to set up the new account. After about 15 minutes the rep asked if I wanted an additional card for my wife. My wife said yes so we answered more questions. I asked if my wife 's credit would show an inquiry and the rep said no. After another 5 to 10 minutes the rep said my wife was approved. I asked when we will receive our cards and he stated only my wife is getting a card. I asked him what is he talking about. He said he did not process my upgrade but did add another card for my wife to my existing account. She already had a card on my existing account. There was clearly a lack of communication. I asked to speak to his superior and was put on hold for over 5 minutes. He came back on the line and said np supervisors were available. I hung up and called a different rep and asked to speak to a supervisor. I was put on hold again for five minutes and then told no one was available. A few hours later I was able to speak to an English-speaking rep in America and told the rep my story. She told me the XXXX rep had not processed my upgrade, the reason for my original call, and had added another card to my existing account. I asked the rep why my wife needs two cards for one account. She said she would cancel the card that was opened in error. What do you think happened? She canceled BOTH of my wife 's cards. So, to recap, not only did they not act on my original request but they canceled all of my wife 's cards on the existing account. I called back and asked for a supervisor to call me to discuss the problem. No one has returned my call from American Express. They also put an inquiry on my wife 's credit report after telling me it would not be affected since it was my account and I would be responsible for the charges.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX am submitting this complaint that : In accordance with the fair credit reporting act the listed account below has violated my federally protected consumer rights. XXXX account # XXXX 15USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the Person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.
Consumer complaint received 2024-04-05
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. (PA)

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 XXXX Account Name : XXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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. 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 2024-04-05
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. (LA)

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 XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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. 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 2023-07-25
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. (IA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-25
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)

I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything