davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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. (MD)

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, Waypoint resource group : 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the Fair Credit Reporting act accounts XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, has 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 2021-06-26
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: BBVA FINANCIAL CORPORATION (TX)

I called bbva and spoke to no less than 3 representatives about a credit card that they're reporting to the three credit bureaus. This credit card wasn't opened by me. For some reason they wasn't able to locate the card in their system. This card is reported opened on XX/XX/2014, with a {$20000.00} limit. Ironically it is in good standing but I did not open this card or have it in my possession. Please investigate. Thank you
Consumer complaint received 2024-03-31
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. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 15 U.S. 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 2022-10-21
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-04
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. (SC)

In reviewing my report from Equifax, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Equifax automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX, XXXX XXXX, SC XXXX ; Inquiries 1 ) XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX ; XXXX date XX/XX/2021, XXXX ) XXXX XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/2021, XXXX ) XXXX XXXX  ; Inquiry date XX/XX/2021, and XXXX ) XXXX ; Inquiry date XX/XX/2021 ; Open Account - XXXX Acct # XXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Acct # XXXX - please delete. these are not my accounts. I do not know who this information belongs, but it is not mine.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (TX)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX and XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX. 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. 

XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.
Consumer complaint received 2023-09-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (GA)

XX/XX/23 - car was repossessed by Westlake Financial Services without notice through XXXX or to me ( customer ). 

XXXX called Westlake Financial Services with an officer and could not be identified through this company. Was told by police that no lien was on vehicle. I purchased car from American Car Center and financing through American financial and they closed without notifying customer and deleted account. 

XXXX contacted " XXXX '' from Westlake and was treated very rude and would not give me any information concerning vehicle but demand a payment of {$1300.00} to have the car released to me but I have to give him my card information over the phone. I could not set up account and pay online. I was given by " XXXX '' from Westlake Services two phone numbers that is fake to the recovery because he told me I had to pick up the vehicle after I paid him.
Consumer complaint received 2022-10-21
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022
Consumer complaint received 2022-10-21
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. (NY)

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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-24
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)

This is my 5th 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, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (AZ)

Hello, I never applied for this credit card or acknowledge this application. I have requested XXXX and Experian to delete this hard inquiry from my credit report with no response from either of them. I will appreciate if you can instruct Experian to delete asap or provide some proof that it was applied by me. Thanks, XXXX You applied for a credit card on XX/XX/2022 XXXX
Consumer complaint received 2023-09-28
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. (NY)

I need this thing that is not mine to be eliminated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I have five credit cards open with XXXXXXXX XXXX, listed below. These five credit cards have not reported since XX/XX/2022. I have paid down balances entirely on all of them except the XXXX XXXX XXXX where I have paid the balance down about {$400.00}. This is not reporting on my credit and when I submit a dispute, I am only allowed to submit one at a time. I still have no reply from the company. This is accounting for thousands of dollars on my credit report- and I have closed the XXXX account and it its still reporting as open and carrying a balance. I can't seem to reach this company and have had no reassurance that this issue will be solved any time soon. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (WA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460.00}
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (AL)

The purpose of this letter is to complain regarding the practice of J.P. Morgan Chase requiring the postal submission from their online account holders to opt out of Chases arbitration agreement when such requirement is given electronically to account holders or when such opt out submission had been previously given. 
On XX/XX/XXXX, I, XXXX XXXX attempted to logon to Chases website to manage and to view my credit card transactions. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX Screen Shot for online access ) entitled Accept Disclosures and Agreement. I completed the both acceptance agreements after viewing and reading both of the documents and was given access to my online account information. I noticed on page XXXX of the XXXX XXXX XXXX ( see PDF file Opt out of Arbitration ) text pertaining to my ability to opt out of Chase agreement to arbitrate. I investigated the two website addresses given : chase.com and jpmorgainonline.com profile, to ascertain how to opt out of arbitration. There was nothing written or specified by which I could opt out of arbitration. I decided to telephone Chases Customer Service Department.

I telephoned Chases Customer Service at XXXX. I spoke with multiple Customer Service representatives. NOT one of the representatives was able to answer how I could opt out of arbitration. Therefore, I wrote a secure e-mail through Chases website complaining of my attempts to opt out of arbitration ( see PDF file Dens Chase E-mails XX/XX/XXXX & XXXX, XXXX ). My next step was to send my opt out letter through the United States post office ( see Scanned Dens 2nd Arbitration Letter ). 
I received a written response to my XX/XX/XXXX opt out letter from Chase on XX/XX/XXXX ( see Chase Response to XXXX 2nd Letter ). What is confusing regarding Chases response is whether my first attempt to opt out of arbitration, referenced as XX/XX/XXXX, is sufficient or effective for all future attempts by Chase to have an account holder opt out of arbitration? I would like a ruling or determination if an account holder is required to continually submit opt out of arbitration agreement each time a bank or financial institution submits updates or revisions to their disclosures or agreements? I suggest that documentation regarding opting out of arbitration clearly state that resubmission of letters opting out of arbitration are not required if previously submitted.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-28
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. (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.

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 inructions 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 2022-10-21
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2022-10-21
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. (WA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.