davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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 yearsXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX, EXPERIAN and XXXX are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.
Consumer complaint received 2023-06-08
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)

The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with these companies and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 

I have never given written consent to report any of the accounts listed listed below and should be deleted immediately. You will also find my FTC affidavit attached with this complaint listing these same companies. 
XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-08
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. (PA)

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

15 U.S.C 1681 Section 602 A : States i have a 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.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I do not want to contact this company showing on my credit as I do not want to share my personal information with them. I have stated multiple times that this account is not mine and may be fraudulent. I have disputed it multiple times and it still keeps posting to my credit. My name is on the bill, but I have never opened a XXXX account nor a XXXXXXXX XXXX XXXX account not do I live at the address the bill is made to. They have my mailing address, but the service address is unknown to me... THIS ACCOUNT IS NOT MINE AND SHOULD BE REMVOED FROM MY CREDIT!!!!
Consumer complaint received 2023-09-09
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)

I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information. 

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.
Consumer complaint received 2024-03-12
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. (MO)

I am writing to dispute a hard inquiry listed on my credit report that I believe is unauthorized. I did not authorize this inquiry, and it is not related to any credit application or transaction that I have made. As such, I kindly request that you promptly remove this unauthorized inquiry from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2022, my XXXX account was compromised which had my Citi Double Cash card linked to it, the account was used to purchase some odd item with that card which amounted to XXXX. I immediately, within seconds, requested to cancel the order with XXXX and notified Citi of the problem. Citi thanked me for informing them and requested I wait to see if XXXX will cancel the order, and if not they will proceed with reversing the transaction. It seems at this point Citi opened a dispute and closed it marking it consumer responsibility as XXXX was supposed to handle it. To my misfortune and after many different attempts trying to get his resolved over a few months, XXXX could not cancel the order since the item bought was sold by a third party seller, of which they contacted the seller requesting a cancellation to no avail. I asked them how I'm supposed to get my money back if they can not refund it. The representative of XXXX told me to dispute it with Citi, as they have no way to refund the money to me. I took and have screenshots of this conversation. I went on to call back Citi, informing them of what happened with XXXX. The Citi representative asked me to send the screenshots to XXXX, and told me upon review of the screenshots a refund will be issued. This was in XXXX of 2022. I called back a couple months later as I did not see a refund, and to my surprise there was no notes or information about my prior call and none of the information was reviewed. I reexplained what happened, told them what XXXX said, told them what the last citi representative said, and they assured me it will be reinvestigated and I will be kept informed. Again, a couple months go by and nothing. I call back, again, and ask about any update. Lo and behold, there was no notes or information about that call either. At this point I'm quite upset, so I demand to speak with a manager, and after practically begging to speak with one I get connected to one after some time. I reexplain everything again, what XXXX said, what the first representative said, what the last representative said, my frustration with being deceived and delivered false promises, etc... The manager sympathizes with me, apologizes, and assures me the case will be reinvestigated. I thank them and hang up. This was probably in XXXX of this year, I cant quite recall. I waited a couple weeks, didn't hear back, didn't see a refund or update in my Citi app, so at that point I was done. Their fraud department is so frustrating to contact so I simply did not have the energy to continue fighting this battle. To this day theres no followup. 

FYI, the card number inputted on a later page in this complaint was an older card that has since been updated, i.e a new card number was issued. The number inputted was the number that was compromised.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for, I have brought 2 vehicles from XXXX XXXX XXXX XXXX. They were timely payments. In fact, one vehicle was paid in full. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Exactness. I have never been late on payments for the account : XXXX : XXXX. 
I made the Payment on XX/XX/2023 and XXXX reversed the payment, independent of my knowledge According to customer service there was an error in processing, -most likely a typing error. 
Moreover, I was never notified of an error in processing the payment. My Credit score dropped XXXX points in one day. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 


Fair Resolution! 

I request XXXX Update the account to Pay on time and never late. Or remove it from my consumer report. 

Best Regards XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This is a follow up for Complaint # XXXX. I spoke with XXXXsupervisor at Equifax dispute dept and advised him I will be taking legal actions if the following accounts are not corrected to a positive payment history and balance zeroed out. I also demanded him to remove inquiries as well. Reporting inaccurate information on my consumer report is against the law and my right to privacy. It has also caused me severe hardship ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00} INQUIRY : XXXXXXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX SERVICE DATE : XXXX XXXX, XXXX
Consumer complaint received 2023-09-09
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. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 XXXX, XXXX, and Equifax have refused to remove this account after submitting an identity theft report from FTC. XXXX, XXXX, and Equifax has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across XXXX, XXXX, and Equifax Date Opened reflects inaccuracy across XXXX, XXXX, and Equifax XXXX XXXX reflects inaccuracy across XXXX, XXXX, and Equifax XXXX XXXX reflects inaccuracy across XXXX, XXXX, and Equifax Date Last Active reflects inaccuracy across XXXX, XXXX, and Equifax Date of Last Payment reflects inaccuracy across XXXX, XXXX, and Equifax
Consumer complaint received 2018-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient mislead me to believe that placing my student loans in a forbearance status was the only option I had to manage my student loans. In all actually placing my loan on an income driven repayment plan would have kept my loan current. At this point my credit has been ruined and the fees associated with my student loan have become overwhelming.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (TX)

I dont remember the exact date but it was in month of May I do remember a friend of the family was suppose to send me funds durning this time At the same time something else happen which Im really not sure of or how it happen because no one had my personal information that I gave out Ive been using navy federal for year im fully aware if someone wants to send me funds they can do so through my access number When its XXXX to XXXX XXXX XXXX XXXX asked me was someone trying to send me money I told them yes they asked for the name I gave the first name I didnt know his last name then they went on a rant as if I said something wrong and how they were permanently stopping me from being able to open any accounts with them I want to get to the bottom of this nonsense asap I need my account and Im not paying anymore I never had or know where it came from
Consumer complaint received 2023-09-09
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. (FL)

In accordance with the fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2024-03-12
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. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

In XXXXXXXX XXXX XXXX XXXXXXXX fraudulent charges showed up on my credit card. My balance was completely paid off before these charges, and no charges have been made since. I reported it immediately. I was told they would file a dispute. They stated they received proof from the vendor that the product was ordered and delivered. I did not order the product or approve of the charges. They sent me a copy that the product was ordered by a XXXX XXXX. My name appears no where on the order. I reached our to XXXX to do some of my own investigation and found out she did place an order through her XXXX XXXX  account, she did receive the product but doesn't understand nor do I, how my card was charged for the purchase. I have receipts from where she returned the product to the vendor, a shipping receipt from the XXXX that the package was delivered and received by the vendor, and an email conformation from the vendor that they received the product and would credit the account. My card was never credited. I have been going round and round about with XXXX XXXX XXXX since XXXX and they ruled against my dispute and sided with the vendor. The said the supervisor from the dispute department would contact me to no avail to get this resolved. I now have XXXX late payment against my credit report for money I do not owe. I believe there may be fraud that's taken place on the part of my credit card. Thank you, XXXX XXXX
Consumer complaint received 2023-09-09
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. (VA)

I received two inquires from XXXX XXXX XXXX  without my permission and i would like it deleted immediately. attached is my FTC report and a letter from credit one explaining there need to remove these inquires thats impacting my credit report
Consumer complaint received 2023-06-16
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.