davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Empire Acceptance Company, Inc. (GA)

I have re ceived 25 cal ls this and different family members as well received them.   The debt collector by the name of  XXXX   XXXX  and her co conspiracy has called my family and me saying the they are going to lock me up if I do n't pay an owe dept.    XXXX   XXXX    stAted they where a law firm by the name  of Empire a ssess management. Company. Well I asked for the lead  Attonerny nam e and bar number., he said that is private information.   He gave the address of the office  XXXX   XXXX   XXXX   XXXX  New York.    XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX   )   XXXX   XXXX  the agent made a theat to come harm me if I do n't send the money  by    XXXX   XXXX
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (TN)

I am interested in processing disputes for all of the following information on my experian credit report. looking at my credit file ive noticed alot of inaccurate data that needs to be removed. please review an delete all items asap.
Consumer complaint received 2023-08-14
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. (VA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under Synchrony and I need this info for and all. 
THIS IS ALLEGEDLY XXXXXXXX XXXX ACCOUNT
Consumer complaint received 2023-08-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc. (IN)

This is fraud. I never signed a contract. They took {$2400.00} out of my wife 's bank account. We never received any services from them. And they are also reporting the wrong address on my credit report because I have never been in XXXX XXXX, FL.
Consumer complaint received 2023-08-14
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. (WI)

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to Experian as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as PAANL. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 1666b, 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 21 days before the payment due date.
Consumer complaint received 2023-08-14
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. (NY)

In accordance to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-17
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: AMERICAN EXPRESS COMPANY (LA)

I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX that they were contacting XXXX, XXXX, and XXXX  to let them know that ai closed my account in good standing yet XXXX and XXXX  refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!
Consumer complaint received 2022-11-02
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. (NY)

I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to this matter.
Consumer complaint received 2022-11-02
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. (NY)

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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.

5 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 2022-12-05
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: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I had previously submitted a cease & desist letter to the company but they are still in violation of my cease and desist letter pursuant to 15 USC 1692c ( c ) : " cease and desist includes any communication to Consumer Reporting Agencies ''.
Consumer complaint received 2023-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I contacted Experian over the phone on the afternoon of XX/XX/XXXX to dispute an unfamiliar account on my credit report. The representative was rude and combative. She made false statements, over-talked me, and refused to answer questions about the dispute process. She told me they follow : [ insert some acronym that I didn't understand ] and if I wanted to know what that process was, then I should look it up. I literally didn't understand what she said ( she had a heavy foreign accent ). When I told her she was being rude, she insulted me and hung up. I have literally never received worse service. 

I'm appalled that someone who is responsible for assisting people with fraud on their credit reports is allowed to behave this way. Not only do I have no confidence that she filed the dispute, but the experience of seeking help has also caused me further harm.
Consumer complaint received 2023-08-14
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. (NY)

improper use of my report ; In accordance with the fair credit reporting act this creditors has violated my rights pursuant to 15 U.S.C. 1681 section 602 states i have the right to privacy.

15 U.S.C. 1681 604 ( a ) section 2 Credit Reporting Agency can not furnish an account information without my written instructions.

15 U.S.C. 1666 ( b ) a Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX || Account # : XXXX - XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Account # : XXXX
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are hard inquiries on my credit report that are fraudulent
Consumer complaint received 2022-10-23
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX years. 
15 .U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, Trans union, and XXXX XXXX name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX  Spouse Name XXXX  Spouse Social Security # XXXX Credit Report Dispute / Account Information Dispute Section Company Name : XXXX XXXX Account XXXX XXXX -- Not XXXX account XXXX XXXX XXXX Was never late -- -- -- Account paid in full XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account XXXX XXXX XXXX XXXX  Was never late -- -- -- Account paid in full XXXX XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXXXXXX XXXX XXXX  Not my account XXXX XXXX Was never late -- -- Account paid in full XXXX XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 Transunion XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit, Inc (IL)

I bought my lease out at the end of the 3 year term in XX/XX/XXXX. I maintained perfect payment history the entire term of lease. I purchased the car from Volkswagen Credit through my credit union. Everything was done over phone and email between me and VW Credit. At the time of purchase, VW credit charged me the cost of the vehicle only. The total cost did not include state tax & title transfer fee. I was told that I needed to handle that on my own. I took care of the state tax, plates, title transfer through my Secretary of State DMV. Last XX/XX/XXXX, I received an invoice from VW credit stating that I owed Lease turn in fees. {$1000.00} charge. How is that possible when I purchased the vehicle? When I spoke with a rep from VW credit, he told me the charge was for state taxes plus late fees. I paid the taxes to the people that were owed - the state of Illinois. The rep asked me to upload proof of payment to their website. I do so. He called me back the next day asking my to create and sign a document granting permission for the money I paid to the state of IL be transferred to VW credit. He told me that the state charged them for my taxes and they paid it. I asked him to send me the document from the state of IL saying this was owed. He said he could not do that. I asked for anything he could send. He said he would email me documentation from VW. He did not. I never heard anything about it until XX/XX/XXXX when a collection agency called me. They said I owe VW Credit {$1000.00}. I do not owe one dime  to anyone.
Consumer complaint received 2022-12-05
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: United PanAm Financial Corp. (VA)

My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : States a Creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX XXXX # XXXX pursuant to U.S.C Title 15 1681c.

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX  # XXXX, is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Consumer complaint received 2022-10-23
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. (NY)

My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT
Consumer complaint received 2022-10-23
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. (TX)

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The XXXXt also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2022-10-23
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)

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the XXXX generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-23
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 XXXX account XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.