davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: CREDIT ACCEPTANCE CORPORATION (TN)

I put a Despute in for credit exception company 2 years ago with XXXX and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help XXXX
Consumer complaint received 2023-07-05
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. (GA)

This is a supplement to complaint # XXXX that was filed with the consumer financial protection bureau against TransUnion for reporting inquiries I never consented to or signed any agreements or authorizations for my credit to be pulled. A copy of my identity theft form from the Federal Trade Commission is included for review.
Consumer complaint received 2023-08-24
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: World Acceptance Corporation (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-08-24
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 have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (TX)

I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX under account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a 1099C should've been filed and reported with the IRS by creditor. I never received a copy of this 1099C. Instead, XXXX is still trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. 15 USC 1681e ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that XXXX, Transunion, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, XXXX responded back by updating my account to CHARGEOFF status, which is a further violation of my rights as a Consumer. 15 USC 1681s-2 Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation Accurate : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX didnt receive a Form 1099-C, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my XXXX, XXXX, and Transunion Consumer Report immediately!
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Over the last few months Experian has been upgrading my account from free as I previously set it. However, during that time there have been multiple billing attempts from Experian for an upgraded account. At one point I opened a live chat session and advised the rep that I should not have been billed. At that time I thought the issue was over but a day or so later I tried to login to my account to look at my report, but I could not due to a " billing issue ''. I then called in and went thru the entire explanation process and was told the issue was resolved. Unfortunately, it has happened again as I am currently being billed and I can not afford for them to take money that I need in order to pay my power bill to get thru these hot Florida XXXX. This is really affecting my family as well. I have been afraid to have any funds sent to the account because I am afraid that Experian will take it and cause my bills to be late. 

I am beginning to think that this is Experian 's way of bullying me due to my relentless efforts to hold them to accountable to remove unreported/inaccurate information from my report.
Consumer complaint received 2023-08-24
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 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 2023-08-24
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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)

My name is 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 2023-08-24
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. (NY)

My name is 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.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate 15 U.S.C 1681a ; Rule of Construction : it states a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-08-24
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. (TX)

This is my second 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 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 2023-08-24
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. (GA)

I reviewed my free credit report and found inaccurate information. I called all parties involved. I have mailed in handwritten letters within the past 60 days. I had no insurance with these ppl. Insurance and debts were cleared. I need this non verified account removed immediately. XXXX has deleted a lot of fraud off my account this week. THIS SHOULD BE REMOVED LIKE 10 OTHER ITEMS WERE REMOVED THIS WEEK IMMEDIATELY. Thanks XXXX for valuing my profile. Below is all the inaccurate information pertaining to this account. 



Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXXXXXX XXXX Amount Owed {$190.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXXXXXX XXXX XXXX Last Verified Date XX/XX/ Paid off Date N/A Closed Date N/A Resolution -- Current Status Placed for collection Instant Action Action History XX/XX/XXXX XXXX  Update My Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-08-24
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. (LA)

I asked for verification from the XXXX credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

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

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

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

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

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit reporting act XXXX account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America credit card which I was making automatic payments on. One day, I got a letter in the mail detailing that my credit limit was being decreased. I was puzzled as to why so I called Bank of America. I was then told that I had a past due balance. Up until this point I hadn't received any phone calls or other messages ( via email and/or notifications from their app ) that I had a past due balance on my account. The rep that I spoke with was not very helpful. He said that he was able to eliminate the late fee I had been charged, but I have not seen that removal on my pending account activity. I asked to have my credit limit increased to its previous level of {$11000.00} because of this lack of communication ; but he was not able to do so and told me I would had to submit a request for increase. This request was subsequently denied. He was also not able to advise me if my credit report would or would not be fixed to not reflect the delinquency. Again, this is because Bank of America did not contact me to alert me about this situation, a customer who had a spotless payment record with them on this product, and I should not be penalized because of this.
Consumer complaint received 2023-08-24
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or omit them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Mohela agreed to refund loan that was paid sent letter that would do in 2 parts refunded partial amount said waiting on discharge by dept of education who refuses to assist loan was part of class action suit settled in florida XX/XX/XXXX loan paid off XXXX XXXX XXXX school notified of suit and refund inXXXX partial credit recieved XX/XX/XXXXXXXX XXXX XXXX XXXX with Mohela now avoiding me have attorney but trying to resolve without filing suit
Consumer complaint received 2022-12-07
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I submitted a complaint # XXXX XXXX XXXX XXXX phone XXXX I am attaching information documents needed and adding more to my complaint my attorney finally contacted shellpoint attorneys whom which he said were very rude my attorney said they are adding my bankruptcy default payments to my current statements which should not be they still have not answered the subpoena that was sent also on my mortgage I am listed as XXXX XXXX also I had a hard time down loading my documents please let me know if you did receive the letter of recommendation from XXXX XXXX thank you
Consumer complaint received 2023-08-20
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. (AZ)

I reviewed my credit report and it shows XXXX XXXX XXXX this information is not correct. I have already contacted XXXX XXXX and this account is not showing in my credit report. As you can clearly see XXXX is showing is always paid on time while Experian is showing in collection. This account was always paid on time. please remove the late payments. They must show documented proof that this account was late. 
XXXX already complied and removed this account from my credit report
Consumer complaint received 2023-08-24
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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