davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (NY)

RE : You've violated the United States Code Law 15 U.S.C. S 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my consumer credit report, I noticed that your agency is in multiple violation and I'm entitle to monetary compensation under the FCRA 15 U.S. Code S 1681s-2 - 15 U.S.C. S 1681 ( C ) ( 1 ) ( A ) ( B ) ( i ) ( B ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer, ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is mot initiated by the consumer only if - ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer or credit or insurance ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person, a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FRCA 15 U.S. Code S 1681 ( n ) ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purposes, actual damages sustained ny the consumer as a result of the failure or {$1000.00}, whichever is greater, ( 2 ) such number of punitive damages as the court may allow..

I didn't initiate any of these inquiries, furthermore, if you feel like I did, please send me copies of my written signature given consent of this matter please. 

The items below should all be removed from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX. XXXX XXXX XXXX {$13000.00} XXXX. XXXX XXXX XXXX XXXX  XXXX {$80.00} XXXX. Auto Loan or Lease {$2500.00} Under the US Code 1681n ( b ) civil liability of the natural person, I've been violated. Also, we're already involved and sent this letter to the complaint board portal for the ( Consumer Financial Protection Bureau, State Attorney General 's Office, The Better Business Bureau, and The Federal Trade Commission ). 

Thanks for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-09-29
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. (GA)

For the past weeks I been calling TRANSUNION WITH NO HELP FROM ANYONE WHO WORKS THERE ON REMOVING THESE INQUIRIES THAT WAS NOT AUTHORIZED! I ALREADY CALLED THEM ABOUT TWO PREVIOUS INQUIRIES MONTHS AGO AND THEY DID NOTHING ABOUT IT AFTER I SENT IN PROOF!! They gave me the run around and neglected everything I said on a recorded line. They said their policy was above the law!!! I spoke with MULTIPLE reps AND THREE SUPERVISORS that was incredibly rude with no understanding and empathy what so ever! 
I did not authorize these inquiries and need them DELETED ASAP! Inquiries listed below. Its like TRANSUNION IS MAKING MONEY OF BAD CREDIT AND NOT HELPING REMOVE INCORRECT DATA!! 

XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 I provided them all information needed to them and filled they refused to DELETE THE INACCURATE INFORMATION
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I received a debit card from wells-fargo Bank in the mail along with a separate piece of mail with my pin number. I DID NOT apply for a wells-fargo checking account and I called wells-fargo and spoke with a fraud specialist who told me I was victim of identity theft, and I needed to go on their website and complete a identity theft repair kit. I will be filing a formal complaint with my local police as well. I asked the wells-fargo specialist if they saw any activity on this fraudulent account and they assured me there was none. I even got a monthly statement from them for the month of XXXX. Aren't they supposed to close this account or freeze it so whoever did this can't take this any further?? I was told by wells-fargo specialist that they would get back to me with the details of the incident and noone ever followed up with me?? Even though there is a XXXX balance on this account, I am concerned the person/people responsible are trying to set the account up for future loan access which is why I can't understand why the bank didn't close or freeze this account?
Consumer complaint received 2021-09-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-12-01
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: ERC (GA)

I have recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported.

I challenge the accuracy, compliance and reportability of these listings.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (LA)

American Eagle I hardly ever used this credit card when I did I was not able to get help. I asked for deferred payment and they said no. I closed account due to Covid-19 and they would not work with me on payment XXXX. I am a victim of disaster. No work. 

.
Consumer complaint received 2021-09-29
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: CAINE & WEINER COMPANY, INC. (WI)

I have never had a contract or done business with Caine & Weiner but through XXXX XXXX I recently viewed my credit reports, and they have an account listed as collection of {$120.00}. It states the collections is from XXXX XXXX which I have not had a policy with in many years. That auto policy was canceled by myself due to finding a cheaper rate with another agency, after the balance was paid. I have requested a dispute with XXXX, XXXX and XXXX. Ive also requested a complete debt validation from Caine & Weiner, but have not received a response. However, their last negative reporting on my credit report was XX/XX/2021 but the collections account still REMAINS on my credit report. It seems this is a FCRA violation and I am seeking legal assistance to resolve this matter.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-29
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. (MN)

My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

Collection is not from original creditor Amsher collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.
Consumer complaint received 2021-09-29
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. (MN)

My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I was given a subprime car loan with unfair rates and interest. Car was totaled and Santander continued to charge me interest and monthly payment. Santander issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but Santander is still listed on my report in error.
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CA)

had fraud that was done towards me by a family member using my SSN # { son } who developed a drug problem after his twin died in a car wreck. He had a friend who work at a car dealership and got two cars out behind me and his mother 's back. Westlake FinanciaXXXX, and XXXX thrift and loan, XXXX I've sent certified letter with a Notary signature stating this is fraud along with a copy of my FTC report and Number and still haven't gotten a response at all but this is still killing my credit. please help.
Consumer complaint received 2024-03-14
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-29
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. (NY)

On XX/XX/2021, I noticed a material decrease in my credit score ( XXXX to XXXX ) for no apparent reason ( i.e., no missed payments, no applications for credit ). Upon interrogation of my credit report provided by Experian, I saw a notation on my XXXX credit card stating that the account was in dispute. I then called XXXX who confirmed this was not the case, but rather, my account was open and in good standing. I then called Experian and lodged a dispute asking to have this corrected. I was notified the dispute was resolved later that day, however, that was not the case. My credit report with Experian now notes that the account was closed at the consumer 's request- this is not correct. 

On XX/XX/2021, I called Experian and explained the issue. The representative stated that the new information ( i.e., that my account was closed ) was provided by XXXX to Experian and in no way could be an Experian issue - I respectfully disagree. The representative could not confirm at what time XXXX allegedly provided such information. At that time, I lodged a further dispute in respect of the matter. I interrogated the matter with XXXX shortly thereafter who confirmed again that my account was open and in good standing. 

Given the financial industry 's reliance on consumer credit scores, I have been placed in a materially worse position through no fault of my own. Accordingly, I am seeking that this situation be remedied such that my account status is correctly shown and my credit score be accurately reflected.
Consumer complaint received 2021-09-29
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. (NC)

I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.
Consumer complaint received 2024-03-14
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-09-29
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. (NC)

I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.
Consumer complaint received 2021-09-29
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)

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 ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX 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 2021-09-29
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: EQUIFAX, INC. (NV)

On XX/XX/21 I reached out regarding inaccurate and unknown things on my credit report. To this day over 60days later The following Company ran multiple unrecognizable inquires. I need these removed. I will not wait another 60 days to receive no response because clearly im being ignored. I do not recall the following or giving authorization : Company : XXXX Dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a immediate removal.

My information was also impacted by the equifax data breach and may have got into the wrong hands.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.
Consumer complaint received 2024-03-11
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. (FL)

In accordance with the Fair Credit Reporting act 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 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Today I tried to successfully placed a credit freeze with XXXX and XXXX. When I tried to place a credit freeze with Equifax they advised that could not, as I had no record on file. 

The asked for me to provide identifying documents increasing my exposure to identity theft. 

I declined and they declined to put a freeze on me. 

I asked for the details of where I could complain and they declined to provide a complaint location.
Consumer complaint received 2021-09-29
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. (IN)

I had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.