davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (GA)

I already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-05-17
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. (IN)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-17
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # 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 an 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.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...
Consumer complaint received 2023-05-17
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)

In accordance with the Fair Credit Reporting ActXXXX XXXXXXXX XXXX / ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I've talked to a couple of people at the loan company. I know its not their problem but I've asked if they have some type of program that I can pay at a later date because I'm having health issue and dealing with my mental health right now and I'm not doing to good. It's always no to everything. No help, no working with you. It's you have to pay this now or we suing you. They call 3 times a day from different numbers. Leave countless voice mails and sent a certified letter made me sign it threatening to sue. Then came to my house with my children home alone and left a note on my gate that they are going to sue. There is no talking to the manager because he speaks very I'll and nonchalant as he doesn't care. I've asked to allow lower payments or pay a little at a time of what I currently had. I was told no that it has to all be paid they can't take any partial payments.
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have a collection account showing on my Experian credit report from XXXX XXXX XXXX, Account XXXX - which supposedly originate as debt with XXXX XXXX XXXX for approximately {$1500.00} for which I have no knowledge. I live in XXXX, this is debt from Arizona or Nevada. I have never had this debt, I have never been contacted by the collection agency nor the creditor ( so they obviously do not have my correct contact information ). This collection account was immediately removed from my XXXX and XXXX reports after disputing, but Experian says it is valid and will not remove it. I have no supporting documentation since I have no knowledge of the accounts, and I am NOT going to contact the collection agency for an account which is not mine. I was told my ONLY option with Experian is to continue to dispute, but I have not additional facts to provide. I have nearly perfect credit ( XXXX  score of XXXX ). This is not mine and I want it removed. My initial dispute that was rejected was Experian # XXXX. I did go ahead and file an additional dispute. I want this removed from my report NOW. What are my options??
Consumer complaint received 2023-03-01
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. (OH)

I no longer live in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. 
I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing. 

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 Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.
Consumer complaint received 2023-07-02
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. (WI)

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under.

XXXX : XXXX XXXX has violated my rights.

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-01-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions 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. 
Account name : # 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 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 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. The following personal information is incorrect Employers XXXX XXXX  4. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-24
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. (PA)

TransUnion File # XXXX Date XX/XX/2018 Transunion has not updated my payment for XXXX XXXX has not been updated as paid/current since XXXX of 2018 XXXX, XXXX, XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Snow and Sauerteig LLP (IN)

I was a patient at XXXX XXXX of Indiana over two years and was diagnosed with XXXX  XXXX XXXX  which means XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apparently, I was asked to sign something that I consented to be classified as a patient under observation. I don't remember signing this form. Later I found when looking at billing statements that I had indeed been classified as under observation and had not been admitted to the hospital. Even though I was in a hospital room for over 24 hours After I researched this I found that the hospital can charge three times the amount that I would have paid if I was simply admitted to the hospital. I would have never agreed to this but the hospital took advantage of my situation and had me sign something when my husband was not in my hospital room. 

Since my insurance company has already paid over {$16000.00} for my stay I don't believe I should be charged {$3100.00}, I dispute this bill for obvious reasons that I signed something which I never would have signed if XXXX XXXX XXXX XXXX XXXX XXXX, I dispute this entire amount and my next step will be to contact my insurance and file a claim stating that this is a case of insurance fraud as committed by the hospital. The bill is now in the possession of an aggressive and unscrupulous debt collector who will file a judgment against me, ruining my credit and will not give me time to pay anything I owe. They will also garnish my wages over a bill that I do not owe. I request that all collection cease and the bill be rescinded by the hospital with an explanation to my insurance company about overcharges.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (OH)

Mercedes Benz Financial continues to make harassing phone calls to myself and my wife at home, mobile phones and now at our places of employment. They continue to tell us that we owe a " lease termination fee '' when this payment has been made already. MBF has enlisted a debt collection agency who now is also making calls to us. Again, the fee has been paid in full. 

What is MOST alarming and angering, is that MBF has now called us on our direct telephone lines at our places of employment. This personal contact information was NOT given to MBF at any time and their data trolling to retrieve this contact information is concerning.
Consumer complaint received 2023-05-17
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)

ExperianXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom may concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate.

You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX XXXX  : XXXX - This account is being reported with 5 Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 


XXXX XXXX XXXX  : XXXX - This account is being reported with 3 Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is closed, but is reporting a 30 day Late payment. Update to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately!

15 U.S.C 1681 section 602 A : Clearly states that 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 an account without my written instructions.

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


Remove the late payments from the accounts above as demanded, and remove the other two accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONGRESS COLLECTION CORP (MI)

This company has contacted me regarding a bill to a healthcare facility! Congress collections is the debt collector for a health service that they claim I used! This is in violation to the HIPPA law! My rights were violated by this collection company! If this was a medical service that used, I was fully covered for it! I was harassed by phone and mail. The Collection company as well as the healthcare facility violated my HIPPA rights by sharing my private information!
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

In XXXX XXXX I received a letter from the Department of Education saying my wages would be garnished for defaulted student loans that came from XXXX. In the almost 6 years I have been out of school I never received any letter from XXXX or the Department of Education stating I was not paying and my loans were going to collections. I was already paying my monthly fees to XXXX for Student loans along with Student loans to XXXX XXXX, they never made me aware that I had more loans that were n't being paid. Had Navient not been negligent, this would have never happened and my loans would not be currently sitting with a collections agency.
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (MS)

on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (IL)

I called XXXX to find that I owe them money for services I never had, they refused to investigate and put the negative item on credit, which is causing me to be XXXX XXXX. Im not responsible for that bill and never had XXXX in my life. They also refused to send me any proof.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

my name is XXXX XXXX and i was getting unemployment my about frozen i had XXXX dollars in my account it was around XXXX off 2021 then i went to prove my identity and they still told me that my money was gone and it didnt matter that i needed to take it up worth kentucky XXXX XXXX that they sent my money back so they closed my account now i cant get my money that i have to pay taxes on in the long run its caused me a lot of problems i lost my car my apartment its caused me allot of pain and suffering