davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-10-07
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. (FL)

On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach
Consumer complaint received 2023-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (AZ)

While checking my most recent credit report, I noticed this unauthorized, false, and potentially fraudulent reporting inquiry made by the following companies : Inquiry in Dispute : 1. XXXX XXXXXXXX Delete this Inquiry for fraudulent reporting because The Inquiry was reported on XX/XX/2022 and I was never notified. 

I did not authorize anyone employed by this company to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

I previously, requested proof of the validity of this inquiry but did not receive any information from you. 

Also, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately. 

The Inquiry was reported on XX/XX/2022
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Experian Information Solutions Inc. (MO)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-06-21
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-10
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

acct # XXXXHas a late payment being reported the account was opened XX/XX/scrub>XX/XX/2021 I requested proof, in the form of a copy of the original envelope i mailed the alleged late payment in, which clearly shows the original postmark date, i also requested payment history of accounts balance dates and certified copy of original contract with my signature verifying this is indeed my debt.Under section 611 ( 5 ) ( A ) OF the FCRA-You are promptly required to " Delete '' all information which can not be " vERIFIED.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-10-07
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: EQUIFAX, INC. (MS)

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 inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2022 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must 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 2023-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2022 XXXX : XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 TRANSUNION : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must 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 2023-10-07
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. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2023-01-07
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. (AR)

I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. One was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX XXXX  account XXXX. Please have the company investigate this account. And finally XXXXXXXX XXXX XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.
Consumer complaint received 2023-10-07
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. (CA)

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal.

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation.

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, Equifax, and XXXX are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, Equifax, and XXXX for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MD)

I am trying to buy a house and it's a defamation to character and livelihood by ruining my change to improve my life. A company claiming to be " Credence Resource Management. '' called me under the number : XXXX called me then asked me to confirm my name and my address. Then pursued to request a payment of {$460.00} related to nonpayment for XXXX XXXX XXXX.
Consumer complaint received 2023-10-07
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. (CA)

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, XXXX, and TransUnion are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, XXXX, and TransUnion for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

American Express is engaging in fraudulent billing practices. I paid off the full " Adjusted Balance Due '' on my account but my account still shows unpaid " Adjusted Balance Due '' and " Minimum Payment Due ''. Note the adjusted balance due is always higher than the minimum balance. The adjusted balance due is the balance that must be paid to avoid interest, fees and penalties while the minimum balance due is the amount due to avoid fees and penalties. 

I reported this to Amex on three separate occasions but they continue to ignore the issue.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MO)

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

account number XXXXXXXX XXXX XXXX XXXX XXXX out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXX and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!
Consumer complaint received 2023-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (TX)

The company, DBA Worldwide Financial Services, subsidiary of World Finance and entity of World Acceptance Corporation located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX calls 3 - 4 times daily with aggressively toned verbal demands that I contact their customer and instruct that customer to call them immediately. Apparently, their customer included my name and number as a secondary contact on his personal loan application without my knowledge or consent. I did not authorized their customer to list my name and number on his application and I explained to the company that he is less than an acquaintance to me and that my name and number should be removed and they should immediately cease contacting me. I have called World Finance by phone three times dating the same information and making a request to ceased contacting me and sent three emails to which replies or received standing later resolve the problem over 2 months ago. I have never been a customer, in any capacity, of of this company or it's affiliated entities.