davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I SEND A LETTER ON XX/XX/2018 ABOUT THIS ACCOUNT AND DETAIL OF THE ACCOUNT AND I NEVER GOT A ANSWER FROM THIS COMPANY .. 


XXXX XXXXXXXX XXXX TOLD ME OVER THE PHONE ON XX/XX/2018 TALK WITH AGENT NAME XXXX ID XXXX SHE STATED TO ME THEIR IS NO ACCOUNT LISTED FOR ME UNDER THAT NAME OR ACCOUNT NUMBER PROVIDE .. 

IF THATS TRUE WHAT THE AGENT SAID UNLESS SHE GETTING PAID TO LIE TO CUSTOMERS FOR A CHECK .. THIS IS CRAZY .. 

ACCOUNT NUMER IS XXXX
Consumer complaint received 2022-11-15
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. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-07
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (CA)

XXXX debt collector SouthWest Credit System is attempting to try and collect on debt that was previously removed from collection agency named XXXX XXXX. XXXX XXXX credit agency 's did not verify the account back in XXXX of 2019. This past week the new collection agency reported to XXXX  and XXXX. I would like them to remove the attempt to collect.
Consumer complaint received 2022-09-07
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. (OK)

I never gave Experian Permission to furnish this information on my consumer report on my behalf. I am demanding Experian remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - 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 instructions of the consumer to whom it relates. 

Experian please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.
Consumer complaint received 2024-03-05
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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXXXXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX XXXXXXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-06-29
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. (NY)

I have sent all 3 credit reporting agencies written disputes regarding XXXX Bank account # XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX have not sent any proof that I owe this debt.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (SC)

CBE GROUP has violated my right to privacy and violated FDCPA 1692 g by failing to send a written debt validation notice as well as violated FDCPA 1006.30 ( a ) ( 1 ) ( ii ) by prematurely parking the unverified, alleged debt on my consumer credit report and defaming my character as a consumer.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 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 2022-11-28
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the XXXX XXXX XXXX as Company Info : XXXX XXXX XXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My identity was stolen I did an form with identitytheft.gov I have the PDF multiple accounts was open in my name with credit cards and auto loans and multiple hard inquiries that I didnt authorize my wallet was stolen with all my identity information like social security card and driver licenses and more also there are multiple addresses and employment information and phone numbers on my credit report thats not mines everything is fraud
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

XX/XX/2021 Payment sent for XX/XX/XXXX payment. Select Portfolio Servicing will NOT apply to XXXX payment and posting to my past due amount that was covered in forbearance. They never said the XXXX payment had to be sent or received after XXXX of XXXX. With the delay in postal services, I sent immediately after I was told. I want to be able to modify the mortgage after coming out of forbearance. SPS will not apply the payment and forcing me into a bad credit situation. They applied my payment to past due. Every person you speak with will tell you a different story.
Consumer complaint received 2022-09-07
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I bought a product on XXXX and then returned it according to the sellers preferences. I waited several weeks for a refund and when I did not receive one I initiated a dispute with Discover, my credit card company. I opened the dispute on XX/XX/XXXXXXXX XXXX XXXX On XX/XX/XXXX, the credit for {$390.00} was applied to my account. This credit was kept on the account for months until XXXX came and Discover said the dispute was resolved in favor of the seller. I uploaded further documentation proving that i returned the product according to specifications on XXXX website and am entitled to a full refund. These documents included the receipt with the returned package tracking number, screen shots from XXXX website verifying that the package was received and signed for, and screen shots from XXXX chats and emails verifying that I was refunded to my discover card on XX/XX/XXXX for the full amount of {$390.00}. When I spoke to Discover over the phone ( on multiple occasions ) they said that XXXX had never refunded me and that the credit I saw posted to my account on XX/XX/XXXX was the temporary credit from Discover. When I spoke to XXXX however, they insisted that the XX/XX/XXXX credit was from them. Either way Discover took the credit, ( which was labeled as an XXXX refund ) away from my account on my XXXX statement as they reapplied the charge as the dispute was resolved in the sellers favor and not mine. This means that I have no product and no refund. Discover has refused to help me any further in this situation even though they wrongfully handled my dispute.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX accounts XXXX, # XXXX DEPT OF EDUCATIONXXXX, # 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.
Consumer complaint received 2022-10-22
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. (HI)

RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX " Delivered to XXXX XXXX XXXX XXXX pm on XX/XX/2022 '' Dear Experian, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX pm on Tuesday XX/XX/2022, I am now DEMANDING that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Name & Account Number ( According to Consumer Report ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 ( a ) : Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME.

15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XX/XX/2020, I received two separate emails from citi that my credit card limit had been lowered. I have two credit cards with this bank ( One email per card ). The first email stated " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4100.00}. Your current account balance is {$3900.00} '' The original limit on this card had been {$4600.00}. They lowered it down to where I was only about {$100.00} away from going over the limit. 

The other email stated : " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$900.00}. Your current account balance is {$870.00} '' The original limit on this card had been {$2000.00}. They lowered it down to where I was only about {$25.00} away from going over the limit. '' I have never had an account where my credit limit was lowered by a creditor and lowered to where it's within {$25.00} - {$100.00} from the limit. There have been no drastic changes to my credit history that would warrant them to do this. All payments to citi have been made on time. This is a sleezy and unfair move made by citi and will affect my credit. I will be closing my account with them after they're fully paid within a couple months.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Since the beginning of this year I have noticed a Charge off appearing on my account under Kia Motors Finance. The thing is I returned this vehicle to XXXX MONTHS AGO when the lease was up. The car was returned and in their possession yet they are somehow reporting that this account is a charge off? I have never been late once on this account and they are now in possession of the car. THIS HAS BEEN AFFECTING MY LIVELIHOOD. Kia 's irresponsibleness has lead to my credit report being damaged for no reason. I have tried disputing this, calling in, but maybe I am doing something wrong. I have now decided to submit a complaint and if not resolved continue this complaint with legal action. Again this vehicle was returned on time and was at XXXX XXXX XXXX as soon as the lease was up on XXXX. Please resolve this as I do not know why this is reporting on my credit as a charge off from XX/XX/XXXX until XX/XX/XXXX. This is wrong.
Consumer complaint received 2018-10-08
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: Collection Consultants of California (CA)

Hello, Collection Consultants shows up on my XXXX report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : # XXXX XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. 

Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$1500.00} has violated my rights Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$1200.00} 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 ) Sectio
n 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.