davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (TX)

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 Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These entities have 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 2023-05-31
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Im depressed and after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( XXXX ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life.
Consumer complaint received 2022-09-06
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. (CA)

Date : XX/XX/XXXX Dear Experian : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX XXXX and Experian. And due to the dates being inaccurate, I ask that this account be deleted. 

Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX XXXX and Experian. And due to the dates being inaccurate, I ask that this account be deleted. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with XXXX when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. XXXX is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

XXXX is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there Credit file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with equifax who with the proof I submitted they did their job and Delete or fix the incorrect information report on my EQUIFAX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job Equifax, XXXX, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I initially wrote to National Credit Adjusters a third-party collecting agency in XXXX of 2020 requesting a letter of validation for two account they have acquired and are trying to collect. One in the amount of {$560.00} the other {$720.00}, they responded in XX/XX/2020 stating, " They needed more time to investigate. '' since then I have not heard from this company after reaching out several more times asking them to stop all reporting and collection efforts without properly verifying the alleged debts, However, they continue to violate my rights as a consumer by continuing to report this unverifiable debt to the reporting agencies. This company has exhausted the time allowed for an investigation period. They are making it difficult for me to establish credit with other companies. This has been going on for three years without validating these alleged debts.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MI)

I have an American Express credit card account that has been active for 7 years. During these I have never encountered a problem until now. In XXXX I received an email threatening to lower my limit unless I paid them over {$3000.00}. I thought the demand was outrageous. For starters I am going standing with my account, no missed nir late payments. So, I called to see what going on and the rep tells me that American Express done a review and that it may have been something on my credit report. I knew it wasnt anything going on with any of my creditors. I explained that to the rep and voiced my disappointment with their practices. 
After I decided to check my report and found that my debt ratio had increased because a creditor placed a duplicate account on the reports. However, ALL of my creditors are in great standing, nothing reporting negative ever. I called Amex back and explained the situation while voicing my concern of target good card holders regarding nothing that affected the accounts I hold with them. I got nowhere. Meanwhile, my account has been flagged to receive multiple texts ( I never signed up to ) and emails reminding me to pay them. Harrassment for no reason. 

I checked my credit report today XX/XX/2023 and American Express reducing my account has cause XXXX XXXX  point drops to my credit reports. American Express has damaged my credit for no reason. I could see if I did not pay or missed payment even payments, but I have not. They based their decision because of my credit report and because I was not paying them off? Who doees American Express think they are. This company has totally gotten this practice all wrong.This is agreed terms of a credit card this is not a charge plate. I pay at least what is required. 
American Express is horrible and harrassing good customers for money. I am not sure if the company is doing bad, but this kind of treatment is inexcusible. I am not one of those customers that does not pay to agreed terms of the account. American is has damaged my credit for nothing. I refuse to be muscled, harrassed or pressured into paying off the balance when they tell me to. When I decide I want to pay in full I will, but until then they will receive payment as agreed. They claimed to be prestigious, but they are trash. An excellent company would never, never do something that would damage their customers creditor without it being warranted. I have warned every family member and friend to beware of their unfair practices to loyal, paying customers.
Consumer complaint received 2023-08-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Obtained a title loan # XXXX from XXXX XX/XX/XXXX in the amount {$11000.00} with interest XXXX XXXX to be used to make a down payment for business rent. 
I used my VA XXXX to qualify for the loan and make payments. As of XX/XX/XXXX, my current interest rate is XXXX  XXXX. I have been harassed with many phone calls and text messages for many months in an attempt to collect late fees in the amount of {$110.00}. 
I have made many phone calls to this company to ask them to stop charging illegal late fees. I have not once been over XXXX days late with loan. 
This company is in violation of the 2007 Military Lending Act by charging me over XXXX XXXX in interest fees and illegally charging late fees.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NE)

Billed for services/products not received. 
XXXX XXXX, XXXXXXXX XXXX  {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Previously filed for credit. No response except for reverse billing. No evidence, documents, receipts or product provided. 
Clearlky, FRAUDULENT charges but Citibank is in control and the card holder is at their mercy, charges, and penalties in disputes.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Upon trying to create a joint account, Capital One sent an automated message to do submit verification information. There link did not work and kept sending a link to my phone that when then verified, would just send another link to my phone in a continuous loop. When I called the bank to have this taken care of they told me that I could only verify account by clicking the link, which we tried again and it again did the same thing. The rep. then lied to me and told me there was no other way to verify, even though there system was broken and it was up to me to fix it. The accounts associated with the bank are now frozen.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I received a text message from PayPal and it stated that I made a payment to some man. I do not know this person and I was talking to the people at this phone number ( XXXX ) XXXX he hung up on me when I stated that I was reporting this to the FTC. 
I have a picture of the message.
Consumer complaint received 2023-02-15
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. (MN)

This company is a Fraud. I have complained about the same things over and over and they have not fixed anything. 

1.It is against the law to have XXXX of the same accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX are the same card reporting each month. This is double jeopardy turning over to my attorney. 
XXXX. XXXX XXXX XXXX they have illegally changed the reporting date and is reporting this account with a balance each month that is closed AGAINST THE LAW turned over to my attorney. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have told them THIS IS NOT MY ACCOUNT and they refuse to remove it and any of the accounts above Therefore I am pursuing legal action against this company. 
I have saved and documented every report on here and their responses. I know the law.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 resulted 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 IMMEDIATELY!

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 under 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.
Consumer complaint received 2022-11-13
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. (TX)

EXPERIAN XXXX. with intent shared private and protected information about cosumer information that EXPERIAN XXXX. is aware of that via FEDERAL LAW EXPERIAN HAD BEEN TOLD BY THE CREATION OF 15 U.S.C. 1681 AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY MERCHANTS & PROFESSIONAL COLLECTION BUREAU , INC. HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED " MAXIMUM ACCURACY POSSIBLE. '' XX/XX/2022 - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE " NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/2022. THE COMPANY KNOWN AS " XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A " WET SIGNATURE. 
" COMPANY RESPONSE STATED- Company 's Response The account has been returned to XXXX XXXX  XXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete.
Consumer complaint received 2023-06-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (TN)

I settled my charged off account in XX/XX/2019 with Personal/Mariner Finance. The balance on my credit reporting did not changed and still showed a owing balance of {$3800.00}. After filing a dispute with the credit bureaus the balance only decreased to {$1400.00}. This account was settled in full and Personal/Mariner Finance is inaccurately reporting the balance on my credit report and is violating the Federal Credit Reporting Act. I do not owe a balance to this company. The account should reflect a {$0.00} balance on my credit reports.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (VA)

I never received any information about the debt that the company bought to collect. I never received any phone calls, emails or mail about the debt they are trying to collect, but they reported it to the credit bureaus and its now on my credit report. I dont know how to contact them about the debt because I dont have any of the account info to look it up.
Consumer complaint received 2022-09-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX- Equifax- Several inquiries reported last year in XXXX that were not authorized, I submitted a letter in writing but was unable to get any resolution.