davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX XXXXXXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : 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 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 2021-03-11
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: Westlake Services, LLC (CA)

On my reports there is a closed account with huge amount of missed payments. WESTLAKE FINANCIAL SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-08-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Applied for a credit card on line for {$30000.00} Online on the Bank of America website, the application was not approved immediately, Subsequent it was approved for a lower credit limit without notice to me. 
Without my consent Monies were paid to two of my credit cards and a fee of {$390.00} was charged to my card. 
I received notice of the said transactions only on the XXXX of XX/XX/2023. 
I objected to the transactions by my letter dated the XXXX of XXXX to the bank CEO. 
Received a call from XXXX of the CEOs office, I offered to payback all monies immediately to the bank in return, for the fee to be returned. 
I have not received any reply from the bank. 
My credit card number XXXX
Consumer complaint received 2023-01-05
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A States that I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dept of treasury XX/XX/2023 1. {$110.00} 2. {$520.00} 3. {$520.00} 4. {$1400.00} Im disputing the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of the original contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. Dept of treasury are illegally attempting to collect the above-listed alleged debts and money that I do not owe. 

Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Ive requested an investigation to see if all the information of these alleged debt accounts are accurate 15 U.S. Code 1681s2 - 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.

My rights have been violated and several consumer laws have been violated.

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act 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 wothout written instructions.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in Late XXXX  Days and Late XXXX Days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (AZ)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important XXXX XXXX, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I hope we can fix this problem soon.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (PA)

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 2023-08-12
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. (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. 

Bankruptcy : XXXX XXXXXXXX Bankruptcy ( Original Creditor : ) XXXXXXXX XXXX XXXX ( Original Creditor 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 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 that the information is inaccurate.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (VA)

Please see my previous Case Number for - XXXX. 

XXXX  XXXX said the inquires on my account will be removed but it still hasnt for my XXXX equifax XXXX XXXX  score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows XXXX  XXXX inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.
Consumer complaint received 2023-08-12
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)

It has been drawn out that XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 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 XXXXL XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my equifax credit report that I did not authorize to exist. 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 Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been removed.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (DC)

There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX  the Account listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-18
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. (NC)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my Equifax, XXXX, XXXX consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : CXXXX XXXXXXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXX XXXX made on XX/XX/XXXX Dispute 17 : XXXX XXXX made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2023-08-12
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. (DC)

These XXXX loans are Fraudulent. 
Apparently, someone has gotten hold of my personal information and gotten loans in my name. 
On XX/XX/XXXX, I ordered you to CEASE and DESIST reporting to my Experian Credit Report. You reported again this month. You have broken the law! This is violating my consumer rights & punishable by fines. 
I am ordering you a SECOND CEASE and DESIST, effective IMMEDIATELY! Do NOT REPORT ANYTHING TO MY CREDIT REPORTS EVER AGAIN. 
I also attached a letter from the US Marshall Service for Cyber Security, PROVING that on XX/XX/2023, my personal information was identified and found to be compromised. My email address was also found on the dark web. This was before you reported this alleged debt. I also had a fraud alert placed on all my credit reports, before you reported this alleged debt. 
I filed an Experian Dispute and a Dispute with CFPB. I asked, but You provided Zero dated and signed documentation of a loan application nor a dated and signed loan origination form nor the ORIGINAL PURCHASE AGREEMENT, with ALL terms and conditions, PROVING I OWN this alleged debt.Therefore you have ZERO proof that I own this alleged debt. 
You have NEVER provided ANY document with my WET SIGNATURE ON IT. A TYPED LETTER FROM YOUR COMPANY IS NOT Debt Validation NOR is it A LEGALLY, BINDING Loan Agreement, Nor is it an ORIGINAL PURCHASE AGREEMENT. 
I am ordering you to remove ALL accounts from my credit report, IMMEDIATELY & PERMANENTLY. I will not pay these debts. Your cooperation is bound by law and greatly appreciated. This is my FINAL attempt to resolve these fraudulent accounts with you, before taking legal action.
Consumer complaint received 2023-06-18
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. (TX)

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


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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.