davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

See attached!! I am writing to dispute the reinsertion of the above-referenced account on my credit report. I previously disputed this debt with [ creditor name ] and it was removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. 
15 U.S.C 1581 Section 602 A states I have the right to privacy.

15 U.S.C Section 604 A Section 2, It also states a customer reporting agency can not furnish an account without my written instructions. 

I have disputed with XXXX the following incorrect Personal Information ( addresses ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX placed on my credit Report, and XXXX has verified as accurate. 

These addresses are not correct and are reflecting negatively on my credit report as they are not deliverable to me by the USPS. The only and correct address I reside in and deliverable to me by the XXXX is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX.
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (FL)

in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXXXXXX. account name XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (CA)

On XX/XX/XXXX 2023, I sent a complaint regarding the removal of these erroneous items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$410.00} These items are still in my credit file and I want them removed ASAP. This complaint is my follow-up attempt to inform you that the items must be removed.
Consumer complaint received 2023-05-14
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. (VA)

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 2023-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc. (FL)

I have medical bills debt that are not mine i have called letting this not mine. i have medical insurance they took my information and never return my call the debt still shows in my person credit. 

the company is XXXX XXXX XXXX XXXX created XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX
Consumer complaint received 2023-05-14
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. (VA)

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.
Consumer complaint received 2016-11-12
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC (WA)

I did a international transfer on XX/XX/2016 of XXXX to XXXX ( XXXX ) using 3-5 days of remit service and they showed on their website credit date of XX/XX/2016. I received a confirmation email from their system as well as one of their agents emailed again confirming the date. I did n't receive the money on XX/XX/2016 and when contacted them by calling, they simply denied saying XX/XX/XXXX is a holiday and the amount will be credited on XX/XX/2016. I will incur monetary losses due to this delay. When initiating the transfer their system was n't able to verify the holiday and also an agent personally confirmed the date. They provided a range of 3 to 5 days and they are conveniently taking consumers for a ride. I see several remittance related complaints for this company and feel it 's moral responsibility to report against to protect consumer rights, they should be suspended from business for not following ethical business practices. XXXX/
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs XXXX XXXX. MY CLAIM NUMBER IS XXXX XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESSES. 
XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS- XXXX, XXXX XXXX {$1400.00}, Opened XX/XX/2020, MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX BECAUSE I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. 
PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

*** I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement A copy of section XXXX of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MN)

This is in reference to complaint. XXXX XXXX XXXX also asks about the IP address used to take out the private student loan. The IP address used to sign the promissory note and to access the account was XXXX. XXXX XXXX asks why he didnt receive the cosigner information back in XXXX. This loan does not have a cosigner, so Aspire Servicing Center is unable to provide information about a cosigner. The results of Aspire Servicing Centers investigation was provided to him with the XX/XX/XXXX, ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
The statement above is from Aspire Servicing Center. I just have a few more questions. 
Aspire Loan states the IP address used to sign the promissory note and to access the account was XXXX... I have attached the document the shows the IP Address. This is pretty straight forward. Pull the IP address, location, etc. Why can't aspire loan take the effort to do this and provide the results to myself to review and then give an explanation on how it relates to my ID Theft? Also, Aspire loan states there is no information on the Cosigner. I have attached a document that states there was an application for a cosigner. Don't you think this is relevant to my ID Thief? What else is Aspire Loan withholding? What's relevant in this matter is how the application was processed, the IP Address of where it was processed and signed at, the COSIGNER application and denial letter, and everything that was done from the start of the application to the disbursement of the last amount. I want every transaction, document, and explanation of what happened. Can aspire loan pull detail information on the IP Address? Businesses have to cooperate and provide all information that is requested and related to the Victim of ID Thief as required by FTC and XXXX. I have a legal document stating account XXXX with XXXX XXXX was dismissed for evidence of Fraud and Frogery in XX/XX/XXXX. This account was opened and used at the same Bank location of XXXX in XXXX IA. XXXX. I have not lived in XXXX IA since Fall of XXXX.There 's no po Another point is my attorney at the time XXXX XXXX wrote a letter to Aspire loan service in XXXX asking about this loan as it relates to my ID Thief. In addition to my Police report I filed in XXXX stating fraud in my loans. I did access it in XXXX b/c I wanted to look into this account and see what has happened. That doesn't mean I opened the account and took out the loan. That just means I was investigating my ID Thief.
Consumer complaint received 2023-07-26
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. (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. 

I sent XXXX, Trans union, and XXXX a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, TransUnion # XXXX XXXX # XXXX XXXX # XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

I switched insurance companies so I received a check for the overage when XXXX cancelled. Then I called to see how to reapply the amount for the new insurance. The amount was applied to my monthly bill instead. I have called about XXXX times ( at least ) to ratify this issue. I sent my second check to apply to escrow and they AGAIN applied to my note. I even spoke with a supervisor last time to no avail. I give up. They keep reanalyzing my escrow and increasing my note because of the shortage. I do n't believe calling is helping anymore and need someone else to intervene.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On the XXXX of every month I receive my pension. On that same day, I pay all of my bills. Within days, most of my obligations are processed and cleared. The company/ bank Im having issues with is Comenity. Comenity covers XXXX XXXX, XXXX, XXXX and other companies. For example, the XXXX XXXX was sent out on the XXXX of XXXX, however has not been processed. Last month my XXXX XXXX and XXXX had not been processed ; concerned I called and their customer service advised if the checks had not been processed and cleared to place a stop payment. Further, the payments not received by the due date, I would be charged late fees. The customer service rep also blamed late payments are the fault of the United States Postal Service. I had problems with Comenity XXXX XXXX, paid off that account and closed it due to their slow processing, specifically processing payments after the due date, then charging the consumer late fees. I spoke to another customer service rep who admitted that she was in a meeting which addressed their internal problems of how to process payments faster. In the meantime, Comenity is unfairly charging late fees to customers based on their failure to process payments in a timely manner. Note, even if the payment is mailed on time, Comenity processes after the due date and charges the customer late fees .....
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (CA)

I had my Albert bank account thats the name of the banking institution recognized on XXXX for quite some time. I was never allowed to overdraft ever. I was given a certain amount of as a cash advance to use and pay back but never allowed to go over even XXXX XXXX without decline. i rented a car from XXXX XXXX. I had the car for probably three weeks. Then the brakes went out. Obviously they were grinding right away. I called for a tow truck to come. The tow truck came brought my rental car to the XXXX headquarters that handled repairs. About a week to 10 days I receive phone calls from loss prevention at XXXX asking if I would return the vehicle. I explain to the lady that the car is already been returned. If there was an issue with the brakes and they took the car and I didnt have it. I want it today about a week later maybe even a week and a half I was then charged by XXXX for the rental car, the damaged brake repairs, ( the fact that they were grinding like they were meant they werent maintained properly by them ) I was charge for the tow truck. I was charged a miscellaneous fee. I was charged for days I didnt have the car. I was charged a lot unjustly {$1900.00} to be exact. I thought to myself oh, thats a shame but theres no way my financial institution will allow this charge to go through lo and behold. This is the first Albert banking allows a XXXX dollar charge to go through when there wasnt nearly even remotely that kind of money in my account. I am now XXXX dollars. Ive been taken to collections by XXXX because theyre saying they never got the money. The collection agency has confirmed they have never gotten the money. Not that I would want to ever use them again but my rental privileges have been taken away by XXXX. And to be clear, collection agency and XXXX have never received the money. I have disputed the charge with my bank and have gone round and round to no avail. They have stood by the actions that are completely unscrupulous. I am at my wits end. Not only was I charged an unjust amount of money by XXXX but my bank institution has agreed to pay it and let me overdraft my account when they never would let me go even XXXX over in all my time as a customer and I am at a loss for words here because I dont know what else to do it this point. They have claimed to have investigated but they havent even spoke to the collector or XXXX that i know of. This is really a despicable way for a bank institution to do business. Also they text only and no phone number to call to actually speak to these people make it even that much more frustrating .. : and they call themselves geniuses, which is ridiculous.
Consumer complaint received 2023-02-28
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. (CA)

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-05-11
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 (NY)

An account from XXXX XXXX XXXX showed up on my credit report for a delinquent amount of {$3600.00}. Opened two years ago. It just showed up a couple of weeks ago. I have never seen this account prior on my credit report. No account information identified , street address, name etc. I've never opened up an XXXX XXXX XXXX account before. I've always had an XXXX account. This account does not belong me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2023-07-26
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. (SC)

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.

Has violated my rights. Or 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.