davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following accounts are fraudulent XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have repeatedly requested for Experian to remove an incorrect derogatory item from my credit report without success, even after uploading documentation, since XX/XX/2020. 
It concerns : XXXX XXXX, Debt Buyers, for an account originally owed to XXXX XXXX, for XXXX and failure to be co-operative and transparent when inquiries are made.
Consumer complaint received 2016-03-31
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROC Asset Solutions, LLC (CA)

I wish I could have chosen multiple answers from the above drop down, as almost all apply. 

This company API Recovery Solutions purchased an old charged off debt, and now continues to call me and my family members. Harassing and leaving voice mails that they are going to take me to court and garnish my wages.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$41000.00} on XX/XX/2023 now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win XXXX so therefore I fear for my life, and after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect credits from the United States at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith. They also don't have any firsthand knowledge they are just trying to kill and steal. So I really do fear for my lies for they have tried multiple* attempts.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (OH)

I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX and Equifax.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account number - XXXX Account name - XXXX XXXX closed and copies of of all three credit reporting agencies all reporting Information on the same account that is different and inaccurate such as payment history, balance due, status, late payment date. On my credit report which has violated my rights under 15 us code 1681 A, B, C.

I Request within 30 days the verification an the means in witch this information and payment history was validated this debt with in the allotted time or have this deb t removed on the grounds that this information is inaccurate, and in paragraph 2 of this titled exclusions and sub paragraph State that transactions are not included in the consumer report. I request that all late payment history be removed or this account be removed of the credit report. I request all the ways that the account was verified as correct
Consumer complaint received 2023-08-01
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: SANTANDER HOLDINGS USA, INC. (CA)

Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (DC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

RE : XXXX XXXX  opened XXXX XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX is reporting inaccurate information on my credit profile I did not make the charge I've asked XXXX to do an investigation into the fraudulent account but they continue to report fraudulent and inaccurate information on my credit profile
Consumer complaint received 2022-11-18
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. (FL)

RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid XXXX XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

RE : XXXXXXXX XXXX  opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-06
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: EQUIFAX, INC. (FL)

On  XXXX   XXXX , I wrote to  XXXX   XXXX   ( with a copy to Equifax ) a  second time to have them report my loan information to Equifax. They have been reporting to both  XXXX  and  XXXX . This is positive information which would help to increase my Equifax score if it were to be reported.     Neither  XXXX  nor Equifax ever responded to my dispute and now four months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my Equifax score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
Consumer complaint received 2023-08-01
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. (MN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

The first thing that happened was I received a letter on XXXX from XXXX XXXX XXXX. This is evidently a collection agency trying to collect a debt for a Bank of America card in the amount of {$1300.00}. I spoke with a XXXX XXXX at XXXX and we went over all the information he was able to give me about the charges on the card. He said the card was opened on XXXX and closed on XXXX. I never applied for the card, never received a card, never got a billing statement or any correspondence from Bank of America nor an email. These are not my charges nor my account. I didn't know the account number until I called XXXX XXXX and he gave it to me so I could further the investigation. This collection letter is the first I've heard anything regarding this issue.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Date : XX/XX/2023 Credit Report Information Request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX : XXXX This company is the newest debt collector for XXXX XXXX XXXX. I do not know this debt, and it shows up 2-3 times a year with a different collection agency threatening to damage my credit and puts a new collection on my credit each year. I have no knowledge of this debt, it is not a family members, and it continues to attempt to harm me each year. It has been removed from my reports several times. 

This particular company has threatened to contact the credit bureaus if I do not respond, and they have now reported the invalid debt to the credit bureaus.
Consumer complaint received 2017-05-06
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. (TX)

I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all  XXXX  of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (GA)

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and MERCEDES BENZ FINANCIAL SERVICES of my decision to revoke the security interest previously granted to MERCEDES BENZ FINANCIAL SERVICES concerning the vehicle described below. This letter serves as an official notice of revocation in accordance with relevant state laws and the terms outlined in the original security agreement. 

Vehicle Description : - Make and Model : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Revocation : XXXX. Breach of Contract : MERCEDES BENZ FINANCIAL has failed to adhere to the terms of our agreement, specifically concerning failure to provide proper notice of repossession and improper handling of the security interest. 
2. Violation of Rights : Actions taken by MERCEDES BENZ FINANCIAL SERVICES, such as [ specific violations ], have infringed upon my legal rights under the Uniform Commercial Code ( UCC ) and other applicable laws. 
3. Compliance with UCC : According to UCC 9-210, as a debtor, I am entitled to request an accounting and revoke the security interest if the terms of the contract are violated.

Legal Basis : - UCC 9-210 : This provision allows a debtor to revoke the security interest and request an accounting if the secured party has not complied with the contractual obligations.

- State Law Compliance : This revocation is made pursuant to the terms outlined in the original security agreement and in accordance with the relevant state laws governing such documents.

Conclusion : Please consider this letter as a formal complaint and demand for the revocation of the security interest held by MERCEDES BENZ FINANCIAL SERVICES. I trust that the CFPB will take the necessary steps to ensure compliance with the law and protect my consumer rights. 

Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Ive just been informed of me being a victim of the XXXX Data Breach Settlement my claim number is XXXX. On XX/XX/2024 Ive requested for the following accounts to be removed based off the Fair Credit Report Act. The XXXX account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX has violated my rights. XXXX has already removed the following accounts that I am requesting Experian to do. My current number is XXXX XXXX XXXX. 

15 USC 1681 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 STATES CONSUMER REPORTING AGENCIES CAN NOT FURNISH ACCOUNTS WITHOUT MY CONSENT IF YOU GAVE ANY QUESTIONS OR CONCERNS I CAN BE REACHED AT XXXX XXXX XXXX