davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (TX)

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-06
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 mailed to the agency several months ago and they did not do anything at all. The agency also did not respond with any outcome on results. 

XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I, XXXX XXXX XXXX, recently looked over my credit report and found incorrect information, that was invalid and unverifiable. It made me so sad and depressed that your agency has invalidated and inaccurate information that you did not insure was 100 % accurate on my consumer report. I am asking you to reinvestigate the following accounts. I do not owe XXXX XXXX XXXX {$820.00}. I demand an immediate re-investigation. The original creditor, the XXXX XXXX XXXX, has reported this dept to several creditors with different balances. Please verify this dept. Also, I demand re-verification from XXXX XXXX XXXX  {$300.00}, you have no sent verifiable proof of this dept belonging to me. I also ask for your agency to verify the bankruptcy you are reporting and I have not received anything in return in over a year after sending several letters. Your company is also reporting XXXX XXXX account XXXX, for a balance of {$350.00}, which is not correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify thoroughly the physical verification of the original signed consumer contract, all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for the collection you are reporting inaccurate. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts immediately. 


Yours truly, XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I paid USAA auto loan in full a month after getting the loan due to XXXX consecutive interest rate changes. I paid them on XX/XX/year> but still waiting for my title. They lied about the title being sent to the wrong address. Even if that were true all my previous mail was forwarded to me by the post office. I even requested a duplicate but after XXXX months, I am still waiting. I think they're refusing to give me my title because they weren't able to make more interest on my loan. I only paid XXXX dollars of interest and I feel like I'm being punished for paying off my loan quickly.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention an error on my credit report that I believe needs to be corrected. The report contains an entry for an account that does not belong to me, and I am concerned that it may be causing incorrect information to be associated with my credit profile.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

My compaint is on Experian I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX XXXX. I had XXXX they let them shut down my whole communication. For the whole race. I am a XXXX time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX  immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XX/XX/2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XX/XX/XXXX AccountXX/XX/1234, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been using my XXXX XXXX card for years, because of the high interest rate, I religiously pay off my balance. In XXXX XXXX my wife used the card and there was a balance that I was not aware of, and the payment was due on XX/XX/XXXX. I paid the balance in full on XX/XX/XXXX. They then sent out a late payment notification to the credit agencies, which has severely negatively affected my credit. I was unaware of the late payment report until XXXX of XXXX. I called and discussed the issue, and they credited me the later fee, but my concern was with the credit agency reporting. I asked them to send an update which did not happen. I waited 30 days, heard nothing and then called again today to explicitly ask them to review it and notify the credit agency. Late payments are only supposed to be reported when the payment is over 30 days late, not 7. This was put on my report in error, and my credit/interest rates have suffered significantly over the past 6 months.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Around XX/XX/22 I disputed incorrectly reported information on my credit report and this is in violation of my rights. I further Request the original contractor that I signed with be required to provide " proof of the debt as well as billing statements for the last several months and the ORIGINAL CONTRACT that was signed by ME to open the account '' as no such documentation exists. Therefore the accounts MUST be deleted pursuant to the law under : 15 U.S. Code 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (NV)

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, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # 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  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 2023-09-06
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 HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXXXXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX  HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I requested a copy of my consumer report from Early Warning Services on or about XX/XX/XXXX. After receiving the report I noticed that my personal information as it relates to financial transaction history was provided by XXXX XXXX XXXX XXXX to this company on the following dates, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Bank According to the Fair Credit Reporting Act 15 USC 1681 ( a ) Accuracy and a respect for the consumer 's right to privacy. Exclusions to include reporting of transactions history is illegal.

15 USC 1681 ( b ) Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Needing my written consent to add anything to my consumer report and I did not give this authorization. Moreover, P.L. 90-321 ( 82 Stat. 146 ) which is a law that states any agency can get my report in response to a request by the head of state or local child support enforcement agency ( or a state or local government official authorized by the head of such agency. ) This was not the case.

15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise the nondisclosure option. ( XXXX XXXX and XXXX XXXX XXXX Bank ) never informed me of my right to exercise my nondisclosure option.
Consumer complaint received 2022-10-25
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. (MO)

XXXX and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both XXXX and Transunion to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID theft.
Consumer complaint received 2023-06-21
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. (FL)

( Cancellation of Debts Do to identify theft ) Debts were settled and are still being reported years later this is an violation of the FCRA Remove accounts off of credit report immediately. 


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 : XXXXXXXX XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

We've responsibly managed a credit line of {$20000.00} with Synchrony MasterCard for years. On XX/XX/XXXX, our house was struck by lightning causing extensive fire damage to our attic. On Wednesday, XX/XX/XXXX, we initiated an " early '' payment to Synchrony of {$11000.00} to free up spending on our credit card for extensive repairs while awaiting reimbursement from our insurance company. Despite Synchrony withdrawing the {$11000.00} from our checking account on Friday, XX/XX/XXXX, they suspended any use of our credit line ( even declining a {$2.00} autopayment to XXXX ) until Thursday, XX/XX/XXXX, at which time Synchrony only restored our credit line to {$7100.00}. Multiple attempts to communicate with Synchrony 's Corporate officers ( and XXXX 's XXXX who promotes this card to its members ) by phone, fax, and email have been unsuccessful and in reviewing comments on Synchrony 's XXXX page, it sounds like this is not an isolated incident.
Consumer complaint received 2023-10-06
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. (MI)

There are inaccurate reporting on my report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting Act Comenity capital BankXXXX XXXX XXXX has violated my Rights. 

15 U.S.C 1681 Sect 602 A states I have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (MI)

Experian, XXXX, and XXXX are still reporting XXXX XXXX bankruptcy without my consent. My court has provided a letter stating that information was not shared with the credit bureaus. I have disputed the information and they are failing to do their job stating it is being reported by XXXX XXXX. XXXX XXXX stated they have also submitted a dispute with the credit bureaus to remove it from my credit report, as they have deleted that information from thwart system, Also, XXXX has deleted it as well. 

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 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 Public Record should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any 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 protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (WA)

This account was previously with XXXX XXXX, I disputed two inaccurate late payments with them numerous times. Recently, the account was transferred to Mohela and they are reporting the two late payments that are inaccurate.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My names XXXX XXXX, and today my husband received a phone call from a debt calculator regarding me. I do not own any debts. The person had all my information even the last 4 of my ssn # and she was talking with my husband about it. She stated that she was calling from Orchard Bank that now is a Capitol one household bank. She give him an amount of {$2000.00} and to pay of somewhere in {$1800.00}. That they mail me a letter on XXXX, XXXX of this year and that I need to pay it off. I do not have any credit cards with this bank, nor I do not own any debts. Dont know where they got my information from. They number the person called was XXXX. I googled it and there is plenty of complaints about that number that they are scamming people. She give the name XXXX XXXX. She even give my XXXX  an account number XXXX.