davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-03
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. (GA)

I sent a letter to update my personal information as well as to investigate the inaccuracies on my Consumer report.. I sent the information on XX/XX/ certified mail. 

tracking # XXXX received XX/XX/
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (MS)

I had car repairs at my local, XXXX shop in XXXX, MS back in XX/XX/XXXX. My total car repair that day totaled about XXXX XXXX.The sales rep offered me a credit line through a company called XXXX XXXX  . It's funded through a bank or business called, Duvera. They gave me a 90 day same as cash option that expired after the three months. The payments made by the expiration of XX/XX/XXXX were {$850.00}, which left roughly {$1000.00} to be financed. Well the interest rate was 183 % or more!! I noticed the first statement after the 90 day period was like still a total of {$1900.00}. I made a {$350.00} payment in XXXX of XXXX, but I also went out on XXXX due to job injury in XXXX. I wasn't able to make the payments for XXXX, and while I was out for recovery, I noticed the extremely high interest rate. I haven't made a payment since. I need to know if anything can be done about this
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute in regard to the incorrect items reported on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (GA)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: American First Finance, Inc. (GA)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-10
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. (MO)

In accordance with the Fair Credit Reporting Act Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-04-22
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-15
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. (NH)

I show a charge from XXXX on my credit report. The card shows payments being made monthly since XXXX  until I filed a complaint with XXXX, now the card shows a {$55.00} over due balance. I reached out to XXXX several times and they keep telling me the card is valid. I noticed an address in Florida on my credit report and I've never lived in Florida or do i know anyone who does. I hope you can help me with this issue. I've also filled a complaint with TransUnion and will do the same with MA Atty General if need be. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, NH XXXX XXXX
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Experian is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2022-04-22
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. (FL)

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights XXXX5 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
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. (AL)

I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from Experian in which I know they are illegally Ignoring me. XXXX sent something back stating I have to contact the creditor directly and XXXX never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.
Consumer complaint received 2022-04-22
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. (IA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (OR)

3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc. (FL)

I have disputed many times in the past but it has not done any good. This company continues to provide inaccurate or outdated information to prospective employers which has limited my employment opportunities. 9 months ago i received a copy of the report that employers get and a couple of weeks ago I saw a report with the same outdated and incorrect information. I have asked for my report and received what i consider a fake copy that is dramatically different from the one employers get. This company has been successfully sued a few years ago for this same practice. Just recently they have settled a lawsuit for the same practice of providing XXXX different reports, XXXX to the employee and XXXX to the employer. The terms of the settlement as far as i understand it is we are to receive a maximum of {$200.00}. This is unacceptable. Last time i received over {$5000.00}, i deserve at least that and more. I can not send a copy of the report because it is too large.
Consumer complaint received 2021-10-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (LA)

ASSETCARE is giving out False information to XXXX of {$1500.00} and XXXX XXXX remove this debt collection for my credit report when I sent XXXX A copy of the bill. And I have a freeze and a credit monitoring alert on my account this that is incorrect when I have paperwork showing that the amount is incorrect.
Consumer complaint received 2024-02-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I paid the final payment on a custom dress only to discover that I had been frauded and not given what I purchased. 

After immediately trying to return the dress after making the final payment when I realized I had been frauded by the merchant and the merchant refusing a refund, I began contacting government regulating agencies for help. After over 3 months of trying to work with the merchant to get my money back Capital One reversed my temporary credit and recharged {$1700.00} to my Capital One 360 Checking account on XX/XX/XXXX. 

While I do have a line of credit, I did not use the line of credit to make the {$1700.00} payment to the merchant and no finance charges should have ever been charged to me as the Capital One 360 Checking Account is marketed as a no fee account and this was a chargeback by Capital One regarding a dispute where fraudulent merchandise was returned back to the seller. 

I nonetheless took steps to source the account despite Capital One failing to return my money for merchandise that was fraudulent and returned to the merchant. 

I thought my IRS refund for my taxes would come sooner and arranged for the remaining balance from the chargeback to be paid to Capital One though it took over 3 months. During this time, Capital One closed my checking account and began charging me finance charges for the disputed {$1700.00} that was charged back and claimed it was for the line of credit which I had not used to make the {$1700.00} payment to the fraudulent merchant. 

I was charged roughly {$50.00} in fees and when the IRS refund deposited into the checking account I tried to pay my Capital One credit card with the remaining balance of about {$840.00} which was rejected and was charged a {$40.00} fee on my Capital One credit card in XX/XX/XXXX though the account was opened but revoked. I was not aware that I could not use the Capital One checking account to pay the Capital One credit card account since the negative balance from the chargeback had been paid and the account was still open. 

Instead, Capital One charged me a {$40.00} fee to my Capital One credit card in XX/XX/XXXX in addition to roughly {$50.00} in finance charges. 
Again, these are charges on a chargeback dispute. 

The Capital One checking account and line of credit were permanently closed by Capital One bank and Ive been left with fees from a no fee checking account for a dispute with a fraudulent merchant. How is any of this legal?
Consumer complaint received 2022-04-22
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. (FL)

I have submitted a dispute with TransUnion Consumer Reporting Agency, Conformation # XXXX of the dispute. 

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. 

Diversified Adjustments Service # XXXX, XXXX XXXX  # XXXX Dept Of EduXXXX XXXX XXXX XXXX, ( two accounts ), 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. 

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Consumer complaint received 2022-04-22
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)

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX {$1500.00} XXXX XXXX  {$300.00} Dept of Ed/XXXX {$80000.00} XXXX XXXX {$500.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. I am preparing to take this to a small court and recover damages. Also, XXXX and XXXX have removed these accounts. I have attached supporting documents. The Fair Credit Reporting Act states that all reports must show the same accurate information across any profile.
Consumer complaint received 2022-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

As a XXXX veteran rated 100 % by the Department of Veteran Affairs, I've tried 3x 's unsucessfully to discharge a student loan that I co-signed for my daughter in XXXX. Firstmark bank continues to deny my application for discharge, stating that I was rated 100 % one year prior to the loan which is meaningless since they approved the loan in lieu of this known information ( XXXX ). 

By their own stipulations, I did not become eligible for discharge until my rating changed one year AFTER receiving the loan to 100 % PERMANENT AND TOTAL. I have reached out to my local representative for a Congressional Inquiry & was told that the department of education only has jurisdiction over federal student loans not private student loans. Who has jurisdiction over this entity and how can they be legally compelled to abide by the law?
Consumer complaint received 2021-08-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days
Consumer complaint received 2021-03-08
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-04-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/2022 and on XX/XX/2022 I sent certified mail to Portfolio Recovery Associates , LLC requesting that they Cease and Desist any further communication about the alleged debt and also that the Statute of Limitations in South Carolina for this debt has expired. I asked that they delete this account from the credit reporting agencies and they did not comply. I informed them of the Law 15 USC 1692 ( c ) ( 1 ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Portfolio Recovery Associates , LLC is showing total disregard for the Law.