davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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. (PA)

These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number:XXXX
Consumer complaint received 2022-12-06
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: Mercedes Benz Financial Services (GA)

XXXX XXXX XXXX XXXX  has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to XXXX  nor XXXX  XXXX XXXX so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
Consumer complaint received 2022-12-13
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)

Tuesday, XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP Sincerely, US DEPT OF EDXXXX Account XXXX Balance {$160000.00} Balance updated XX/XX/2022 Original balance {$120000.00} 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal. Please remove from account with 30days XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (OR)

I am a natural Person, I am a living Human Being. I have rights under 15 U.S.C 1681.

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 2023-07-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IA)

My husband and I decided to build a home in a rural county in XXXX XXXX. We came across Regions Bank for construction loan via an internet search. Started working with their team. After reviewing our finances and credit history, we were offered a 5.5 % interest rate on our loan. The loan team from the bank requested that we sign and execute the contract with our builder in order to start the process and we complied. Little did we know that the bank has not done the contract review or builder approval prior to this. So during the contract review and builder approval process, the loan team started making demands to the builder to alter the contract, provide his personal credit information etc. Despite us requesting that we be kept in the communication loop, we often came to know of these demands by the bank from the builder. Now that our builder has the signed contract from us, he has no reason to oblige to these demands from the bank. And for us, since we had signed the contract, we were at risk for being sued by the builder if we were not to proceed with the construction. 
The contract had stipulated that we pay about 40 % of the cost up front for the builder to block the cost of the materials and gain the spot in the line with the sub contractors. Bank did not agree with this and builder declined to make changes to this clause. In order to keep the construction still a possibility, we agreed to put down this amount as down payment and have the remaining 60 % as the loan amount. Bank demanded that we provide them with proof of this payment inorder to process the loan, which we did. 
Even after this, bank continued to demand further changes in contract clauses from the builder. XXXX 's lawyer recommended not making any such changes and we were left with no choice, but to find other options for funding the construction. 
Now that we had signed the contract and paid 40 % to the builder, we had no choice but to use our " nest egg '' to proceed with the construction. 
Bank later communicated with us that they are ready to approve the loan, waiving all the requirements from the builder. At this time we were worried about what other requirements would be put forth when the builder submits the request for withdrawals at different stages of construction. 
In nut shell, the Regions Bank put as at risk of being sued for not complying with a contract with the builder ; and also at risk of loosing 40 % down payment to the builder if we had not been able to secure the finances by liquidating our assets.
Consumer complaint received 2022-12-13
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance XXXX : {$100.00}
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: EQUIFAX, INC. (LA)

FCRA Violation : names and address not mine XXXX XXXX FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX I FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit 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 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 2023-07-30
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. (CA)

4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of XXXX in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with XXXX little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the XXXX breach
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than XXXX years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX
Consumer complaint received 2022-12-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian XXXX XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$12000.00}
Consumer complaint received 2023-12-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (WI)

On Wednesday XX/XX/2023, at approximately XXXXXXXX XXXX I recieved a cashier 's check in the amount of XXXX From the bank teller at the JP Morgan Chase Bank, located on XXXX XXXX XXXX XXXXXXXX wi. I have presented the cashiers check to several chase bank branch managers including the branch that issued the cashiers check to me and they have informed me that they will not cash it unless it is deposited. Depositing the Check is not an option for me at the moment.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (VA)

XXXX claims to offer low interest rates for auto loans and makes you fill out a decent amount of information and they pull your credit without you knowing so. Not only was my credit pulled once, it was pulled FOUR times!!! Credit that i have worked so hard to build!!! This took place Monday, XX/XX/XXXX.
Consumer complaint received 2022-12-13
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. (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. 

Account name : XXXXXXXX XXXX XXXXXXXX XXXX account number ending in XXXX in the amount of {$990.00}, Reference number 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 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 re
port 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 2022-12-13
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. 

Account name : XXXXXXXX XXXX XXXXXXXX XXXX account number ending in XXXX in the amount of {$990.00}, Reference number XXXX XXXXXXXX has violated my rights. 

XXXX5 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 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One Savor One account ending in # XXXX. I have a XXXX % interest on this card but the statement does not show the date this XXXX % ending date occurs. All credit card companies should have to post this date on the statement so users don't acquire any additional interest penalties. Thanks XXXX XXXX
Consumer complaint received 2022-12-13
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. (CA)

This item is reported late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (GA)

Please be advised that this is an official attempt to correct or delete the inaccurate information on my credit report and to remove all fraudulent reporting immediately. This is not a claim of identity theft ; in fact, you are also aware of the violations youve committed by continuing to report this information. 

Ive notified you of inaccurate information on my credit report and yet, youve failed to enter the required notice of dispute pursuant to section 623. You are now in violation of said section by continued reporting and must immediately remove the inaccurate information found on my most recent dispute letter ( see enclosed ).

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am requiring immediately that you remove said inaccurate information in accordance with FCRA Section 623 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXX account- XXXX Additionally, I am requiring that you provide me with proof that an investigation has taken place, including ( but not limited to ) : Documentation that was used to prove accuracy and come to a verified response Documentation proving that an independent investigation took place and that the use of e-Oscar was not your sole method of determination Documentation of who verified this information Copies of applications, contracts, transactions, etc. that verify ownership of said account information All other relevant documentation that supports your claim also I didn't get a 1099 c from XXXX XXXX. 

Lastly, you have not removed the additional addresses and other personal information that Ive listed as being reported incorrectly and now this is just a blatant disregard for my information. 



The ONLY information that should be reported on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX SSN last four- XXXX/DOB XX/XX/1982