davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 2022-09-11
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. (CT)

EXPERIAN has failed their GRAVE DUTIES under Tittle 15 USC 1681. Experian is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act EXPERIAN IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. EXPERIAN has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. EXPERIAN is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.
Consumer complaint received 2023-07-04
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC (MD)

The collection agency Spring Oaks LLC d demanded I sign up for auto pay or I pay in full or they will sue me. I felt lost and felt like I had to pay this collection debt. The debt is currently over $ XXXX from XXXXXXXX XXXX credit card. I told them I could not afford because of COVID. The debt collectors were not understanding and still demanded. They called multiple times a day. Never received any mail from them either.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (TX)

The following accounts are unauthorized inquiries not authorized by me i am filing a complaint that these account inquiries be removed : XX/XX/2021 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 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I am currently going through extreme financial hardship due to a canceled project from the XXXX   and now I have a XXXX XXXX which has put me out of work for at least 6 to 8 weeks so I have no income. I have called Citibank financial hardship to see if they can help me and they told me I did not qualify. I asked to speak to a manager and I asked why I could not qualify since I have no form of income and I am facing potential homelessness due to financial hardship, And he told me that he does not know why and could not get me to a person that would explain or be able to explain why I did not qualify for financial hardship. His name is XXXX his employee number is XXXX. I asked for this information at the end of the phone call so that I may make this complaint. This call was made on XX/XX/2020 at around XXXX in the morning
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (NY)

I received a promo correspondence from Destiny Mastercard to open a new line of credit for XXXX dollars. I accepted and used the card, and spent XXXX dollars. Upon calling to check my balance after getting an insufficient funds notification, the automated teller on the phone gave me a negative balance of XXXX. 
When speaking to a live agent on the phone I was told that the new card was merged with an old account with the same company and that it replaced an existing expired card leaving me with a negative balance of XXXX dollars. 
The problem is the card was sent in a promotional " new card '' packet. The cover page that the card was attached to had no mention of it being a replacement card. Everything in the Mailing showed the card as being access to open a new account. 

Attached is a copy of the letter that came with the card.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I want to dispute the bankruptcy reporting on my XXXX, TransUnion and XXXX credit reports in connection of a violation of the fair credit reporting act. Account : XXXX XXXX XXXX XXXX XXXX Please remove account immediately. account is reporting in error. 

15 U.S.C 1681 section 602A states that I have a right to privacy.. 

15 U.S.C also states that can not be furnished without my written consent Remove this account or provide my written consent to publish
Consumer complaint received 2021-06-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  Tenant Screeners XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NC)

XXXX  XXXX I opened a Synchrony Bank Care Credit Card to assist in paying for my wife 's XXXX  work in XXXX due to financial hardship in addition to the fact I was bringing in low/no income from NC Unemployment and was in the middle of a SSXXXXI case. In addition, I purchased the XXXX XXXX through Card Security ( another Synchrony Product ) for an extra approx. {$30.00} per month just in case something were to happen rendering me unable to pay the bill... such as becoming XXXX 

XXXX XXXX I was deemed XXXX  by the Federal Government which was retroactive back to XX/XX/XXXX and financial hardship become greater. 

XXXX XXXX I had to the XXXX XXXX because it became too expensive but was told by Card Security that I may have some if not all of the balance waived due to the fact that I am disabled. I was approved for a couple months to be waived but denied the full balance to be paid because I was not holding the CC nor the XXXX XXXX at the time I was deemed XXXX  ( XX/XX/XXXX )... 

It went on back and forth like this for many months as a received a few more payments waived but still the same denial for the whole balance as stated above. Each time, I advocated that my claim is valid arguing that it does not make sense since I did not need the Care Credit Card or XXXX XXXX back in XXXX of XXXX, I needed it in XXXX of XXXX ; but also that because I was deemed XXXX retroactively, XX/XX/XXXX should be covered and I am entitled to utilize the full balance payoff benefit. 

I called and escalated multiple times now for almost a year and climbed the ladder to the office of the president and CSR XXXX XXXX, who has since left with no further phone number or contact person and bumps me back to the XXXX # to start at the bottom. When I call, I'm able to escalate to a resolution team but refuse to give me any real Corporate Contacts info in order to get this resolved. 

This is discrimination against me considering I am legitimately XXXX- their loophole is false advertising and disinformation ( illegal ) combined with their unethical lack of accessibility to anybody that can actually help. It is unjust and wrong on so many levels. 

My question is that if my argument was not valid and I was/am not eligible to use the insurance, then why did they waive approximately 5-7 payments? 

It is disgustingly obvious that these companies purposely try to wear us down by sending us back into the bureaucratic cycle while corporate does nothing but sit back and collect their money. I've seen it over many companies too how Corporate refuses to deal with people like myself and count on us giving up. 

So never give up and keep fighting for yourself ... .the more people that do this will create a louder message for some policy changes that will travel up the chain.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AE)

Greetings and Blessings from the Most High XXXX, Per the FCRA as a federally protected consumer, I XXXX XXXX XXXX am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX  XXXX written, unwritten, verbal and nonverbal per 15 usc 6802 and Family Educational Rights and Privacy Act of 1974. You are hereby ordered under the command of the Most High XXXX to cease all transmission of XXXX XXXX XXXX non-public personal information to any nonaffiliated third parties as it pertains to account XXXX. To include but not limited to the Credit Report Agencies and their subsidiaries. 
Thank you for your full cooperation in the matter. 

Blessings and Peace upon You.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-07-04
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. (CA)

In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXXXXXX 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 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 the information is inaccurate.
Consumer complaint received 2022-09-12
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 XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2021-06-24
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: Lincoln Educational Services Corporation (CT)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 

4. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine
Consumer complaint received 2023-07-04
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted XXXX XXXX in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX Reported to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

The  " annualcreditreport.com  '' website is a piece of junk.     The CAPTCHA form is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Consumer complaint received 2023-08-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2022-09-12
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-15
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: AES/PHEAA (MO)

FedLoan Services Loans still showing up on my credit report and they were supposed to be dismissed due to being a 100 % XXXX service connected veteran. XXXX for {$11000.00}, XXXX for {$2000.00}, another for {$5000.00} and XXXX for {$5500.00}. They now show a {$0.00} balance however they are still reporting on my credit bureau and I need them removed asap. I am trying to get my credit scores straightened out so I can utilize my VA Home Loan. XXXX XXXX XXXX XXXX, PA XXXX phone # XXXX
Consumer complaint received 2023-07-04
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$170.00}.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

Equifax re-inserted false, previously deleted information to my credit report. 
XXXX is reporting false information that we previously deleted due to false and incorrect information. Equifax altogether failed to notify me in writing within 5 days or reinserting and re-again false information to my credit report.
Consumer complaint received 2017-05-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.           XXXX   XXXX   XXXX   Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XXXX / XXXX /  XXXX   Payment {$0.00} Payment Status Charge-off