davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (AZ)

I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The account is not removed from my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (NC)

XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in XXXX  days. 

thank you kindly, XXXX XXXX
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (MD)

I wasn't able to work due to the pandemic and when the benefit payments stopped I couldn't continue to make payments on the car loan and the Loan Company came to repossess my car. Now I don't have the car to work even when I get work and I am liable to still pay for the car. It's just not faceable and I believe this financial company have been unreasonable putting me in a very difficult situation.
Consumer complaint received 2022-12-22
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-30
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

The accounts where opened not by me. Ive tried disputing them with XXXX XXXX and that didnt work. Company claims it was accurate when it wasnt. I would like to see a copy of the id that was used to open these accounts
Consumer complaint received 2023-05-31
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. (FL)

I did not give consent for XXXX, TransUnion, XXXX, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).
Consumer complaint received 2023-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

Someone rented an apartment on XXXX. Apparently someone signed the lease virtually without my consent. I do not know who started this lease. The person who used my name was evicted before the lease expired. A debt collection is reporting the money owed on my credit report. The company is Rent Debt Automated Collections LLC. The amount they are reporting is {$5300.00}. I have told them this is identity theft but they won't remove it. The debt collector sent me a copy of the lease which has my name but it's not my signature. It says the date signed is XXXX. The paper the debt collector mailed to me says the creditor is XXXX XXXX XXXX. The mailing address of Rent debt Automated Collections is XXXX XXXX XXXX XXXX XXXX XXXX The main address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Their phone number is XXXX. 
I was able to get XXXX XXXX to remove it but the debt is still showing on the major credit reporting company 's. The signature on the lease is obviously computer generated. I need this off my credit. 

Thanks
Consumer complaint received 2023-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY (AL)

On XX/XX/XXXX my CD was funded by an online transfer minutes later I located a problem in accessing account details, my spouse who was on the funding account also at American Express National Bank did not carry over to the CD. This omission by the American Express National Bank Representative on XX/XX/XXXX was after the American Express Online application failed to process my application where by the way I did add my spouse to the agreement ( received a letter by mail confirming my action was canceled ). On XX/XX/XXXX after speaking to several representatives to add my spouse to the CD account without satisfaction I asked to speak to a supervisor. XXXX XXXX no last name given ) said my issue had to be addressed by leadership I would hear back in 24 to 48 hours. Twelve hours later I received confirmation by e-mail of my CD including terms but missing any mention of account ownership. On XX/XX/XXXX I sent a fax detailing my issues I receive a call back 48 hours later that no decision had been made 'leadership was still considering my request. On XX/XX/XXXX I again faxed a written response demanding an answer by e-mail or resolving the problem without response. 

American Express considers the account new for the first 30 days ( Consumer Savings Deposit Agreement XXXX XXXX rev ) I am most certainly in my rights to request having my spouse added as a joint owner the same day the account is considered opened ( American Express Agreement ). I asked that the transfer be canceled and a new account opened, not an option. The only option provided by two different representatives to close the account with a penalty of 270 days interest on the same day ( within an hour ) it is opened/funded. For an online only bank my experience is not acceptable. Bank representatives said I could add my spouse as a beneficiary it would be the 'same thing ' as co/joint owner an incorrect statement provided by two separate representatives. 

I am shocked and concerned that we have been customers for almost a decade with several CD accounts over the years that this is taking this much effort to resolve. Beginning to think the worst of American Express National Bank this is our life savings, feels like we are being deceived for what should be a simple paperwork issue. Our hope this is not the case.
Consumer complaint received 2022-11-22
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. (NC)

XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in 10 days. 

thank you kindly, XXXX XXXX
Consumer complaint received 2022-11-22
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. (MI)

There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX, 2022 XXXX requested credit report Creditor info : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX  XXXX requested credit report Creditor info : XXXX  XXXX XXXX XXXX  XXXX XXXX, Va XXXX ( XXXX ) XXXX These are all unrecognized inquires and they are affecting my score
Consumer complaint received 2022-11-30
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. (FL)

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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gurstel Law Firm, P.C. (MN)

Gurstel law firm, fruadulently ran through my bank account cause they obtained it through XXXX XXXX. I was never served of any lawsuit or any garnishment notice. 

I called them upon noticing that they ran my account without my authorization, neither was i sent an Exemption notice in the mailed. I was never given the chance to dispute the debt for which they are lying about. 

I called them this morning after learning that my account was fraudulently ran by them, i spoked to a gentleman which was very rude to me and didn't give me chance to speak. I obtained their number from my bank. 

This company need to be fine and shutdown. XXXX XXXX XXXX is a criminal lawyer
Consumer complaint received 2023-05-31
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: SYNCHRONY FINANCIAL (OH)

I just received an alert from XXXX XXXX that an inquiry from SYNCP/PAYPAL ( bank ) was made on XX/XX/2023 with XXXX. I did NOT request ANYTHING from PayPal. I DEMAND this FRAUDULENT inquiry be removed immediately!!!
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/2020, I requested an international money transfer in the amount of XXXX XXXX and XXXX XXXX dollars ( USD XXXX ) through Moneygram company in the USA to be deposited in a personal account at XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. 
Moneygram provided me with the tracking number # XXXX at an exchange rate of XXXX and an amount to be received up to XXXX XXXX XXXX. 
However the beneficiary person who is my father never received the amount in his personal account in XXXX. 
I called Moneygram by XX/XX/XXXX, and They explained to me that a further investigation would be initiated and ask me to call back in the next week. 
I made a second call to Moneygram on XX/XX/XXXX, and they again replied that a deeper research would be conducted and ask me again to call back in 10 days. 
In the first week of XX/XX/2020, I called them back again and They argued that the money transfer was already made and that I needed to contact the bank in XXXX. 
Subsequently, my dad went several times to a branch of the XXXX XXXX ( XXXX ), but they argued that he bank have not received the money to credit my dad 's personal bank account in XXXX. 

I am attaching ( 1 ) the receipt from Moneygram and ( 2 ) the number of my dad 's account ( CLABE ) to allegedly be credited ( circled in red ) Thanks for your attention
Consumer complaint received 2022-12-22
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. (AZ)

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. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX Balance XXXX {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : NISSAN-INFINITI LT Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s NISSAN-INFINITI LT XXXX XXXX ) Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-29
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. (MO)

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.