davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (CT)

Subject : Dispute of Fraudulent Use of Personal Information in Violation of Congressional Fair Credit Reporting Laws I am writing to formally dispute information on my credit report that I is the result of fraudulent use of my personal information without my verbal or written explicit authorization. I am deeply concerned that this issue is in violation of the Congressional Fair Credit Reporting Laws, specifically the Fair Credit Reporting Act ( FCRA ). 
The fraudulent information I dispute is as follows : XACTUS  I have never authorized any individual or entity to report this information on my consumer reporting file. I request an immediate removal. As the FCRA mandates, I am entitled to a fair and timely resolution of this dispute. 
According to the FCRA, you are required to : Conduct a reasonable investigation into the disputed account. 
Notify the creditor involved in the dispute. 
Correct or remove any inaccurate information from my credit report within 30 days. 
Thank you for your prompt attention to this matter. I expect a timely and thorough resolution of this dispute as required by law. 
Sincerely,
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? Transunion has listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MN)

Ever since. I had XXXX in XXXX, other health issues have been causing problems with me paying. I have sometimes been able to at least make XXXX dollar payment which is under the limit. Victoria Secret Credit card company which is used by Comenity Bank first offered help if I had Covid ( I have documents from XXXX XXXX in mn confirming this ) about me being sick and then the further detestation of my health. However when I would call and ask about the help, agents. Would say that it wasnt true, even though I received letters and text messages saying they could. However this month every day I have anywhere from 5 or more calls from them daily including ones in a row which I know is against regulations
Consumer complaint received 2024-04-17
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: Bread Financial Holdings, Inc. (CA)

Around XX/XX/2023 I was notified via email that changes to my XXXX information had been made. When attempting to log-in, I had found that my username had been changed. Unable to manually rectify that as I was unable to gain access to the account, I tried getting a hold of an XXXX Representative. They were the ones who confirmed that my User Name had been changed, but that I was currently locked out and that I would need to wait a few days before I could resolve anything. This happened a couple more times, before finally a competent representative was able to get me access to the account. Not seeing anything, I then just placed a Freeze on it. 

Not too long afterwards, I received a number of mail notifications for accounts that were attempted to be opened under my name through use of Identity Theft. I was able to get most of the accounts closed except for two, a XXXX  and a Jared Jewelers XXXX Eventually the XXXX one was resolved after it was sent to collections and I provided them with relevant information that the account was opened fraudulently, they never impacted my Credit. The Jared Jewelers one however, is still showing as a hard inquiry on my XXXX Credit Report and impacting my score. 

I have attempted multiple times to get this resolved, I've even hired a Identity Theft Restoration Specialist through XXXX XXXX to assist. In late XXXX, I was notified that the account had been sent to XXXX XXXX XXXX, a collections agency, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Speaking with them, I explained the situation, mailed them relevant information, and they have since closed the account and ceased collections. However the hard inquiry remains and after speaking with someone at Comenity, they claim that XXXX is the one who needs to remove, but XXXX is also saying that they don't. Regardless, the account is no longer valid and someone needs to do their job and remove it from my report. 

Please assist.
Consumer complaint received 2023-05-22
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. (DE)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Accounts that are reporting inaccurate information : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (KY)

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 Adjustments : 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  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.

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 2022-09-21
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. (TX)

Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

This is grounds for removal and mo

netary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

Account Name XXXX XXXX XXXX Account Number XXXX Account charged off. {$5000.00} written off. {$5900.00} past due as of XX/XX/2022. 
account has no high balance XXXX XXXXXXXX Account Number XXXX Account has no high balance XXXX XXXX XXXXXXXX Account Number XXXX Date XXXX Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/2022. 


XXXXXXXX XXXX XXXX Account Number XXXX Wrong name wrong accont number A collection can not have a balance
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, Experian, and XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I reviewed my consumer reports and noticed that I had as many as 7 late payments reported on an account that I was never late in paying. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts from student loan servicer XXXX that I am attaching and reporting as inaccurate today. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello - The company servicing my mortgage ( collecting payments ), Select Portfolio Servicing ( SPS ), owes me over {$11000.00} due to significantly overcharging me in insurance costs ( they even stated this in writing to me - that they overcharged me by this huge amount. However, every time I call them, they keep saying the check is coming. They have been saying this since XXXX. It is now XXXX. You can see many other consumers have the same complaint, as well as many other complaints of fraud, with a quick XXXX search ( eg on XXXX, XXXX, etc ). 

I have attached the only relevant document here- in which they explicitly state they owe me over {$11000.00} due to overcharging me, yet they continue to fail to pay me this money I am owed.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (NM)

I have been fighting this for years now.When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and don't know mothers maiden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP
Consumer complaint received 2024-03-09
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX 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 2023-09-28
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$28000.00}
Consumer complaint received 2022-09-21
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. (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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. (WA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602a states I have a right to privacy.

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-09-28
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. (TX)

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (FL)

This is reference to US AUTO SALES. WE WERE HAVING ISSUES WITH THIS COMPANY FROM THE BEGINNING. THE SOLD US A CAR THAT ONLY RAN FOR ONE DAY. WE REQUESTED TO GET A REFUND. THEY REFUSED. THEY TOKD US TO PICK SOMETHING ELSE WE THEN CHOSE A XXXX XXXX. THE CAR THEN STARTED CUTTING OFF DUE TO THE THING THEY INSTALLED ON THE CAR TO SHUT THE CAR DOWN FOR NONPAYMENT. THE THING WAS SHUTTING THE CAR DOWN EVEN WITH THEM RECEIVING PAYMENT. THE THING SHUT THE CAR DOWN IN TRAFFIC ONE DAY WHILE I WAS IN XXXX ON THE INTERSTATE WHILE I HAD MY GRANDCHILDREN IN THE CAR WITH ME. WE CALLED THEM THE CAR WAS TOWED TO A SHOP. I FINALLY TOOK THE CAR TO AN INDEPENDENT REPAIR SHOP AND THE MECHANIC STATED THE THING WAS MALFUNCTIONING AND COULD SET THE CAR ON FIRE AND THATS WHY THE CAR WAS SHUTTING OFF. HE SAID THE INSTALLATION WAS FAULTY. THEY STILL REFUSED TO TAKE THE CAR BACK EVEN AFTER WE INFORMED THEM OF HOW THEY ENDANGERED US. They finally repossessed the car XX/XX/2022 and now its on my credit report. They should be held liable for endangering us.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

In the Chase Banking app, they offer credit back promotions ( often referred to as Chase Offers ) in partnership with merchants. One of the offers that I saw tonight, which is offered with XXXX  website, is deceptive as it offers 15 % cash back or 30 % if you spend $ XXXX ; however, the offer stipulates the maximum cash back is {$16.00}. 

{$16.00}, the maximum one can earn, is 15 % of {$110.00}, which means the advertising gives a false impression that an increased cash back % is available at a higher spend.