davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (FL)

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 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 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
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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 2017-01-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (FL)

I applied for credit XX/XX/2017 at this time it was disclosed to me a debt was placed on my report. I have no knowledge of said debt and did not receive a notice to dispute the validity of the debt before it was added to my report.
Consumer complaint received 2023-10-21
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. (PA)

My name is XXXX XXXX, and I have recently discovered that I have been a victim of identity theft. I am writing this personal statement on my own behalf. My information was utilized to apply and or obtain for financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my account : XXXX XXXX XXXX. I am a victim and did not make these changes nor authorize this account to be opened. According to the provisions of the Fair Credit Reporting Act I am entitled to a formal investigation and update of my report. I am requesting this account be removed and a free copy of my report with this change be provided to me.
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXXUntitled { Consumer disputes this account information Medical Subject has not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXXXXXXX**** -CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 - - - - 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
PORTFOLIO, balance is {$3300.00}, and account # XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (OH)

I've disputed this over a year now. I took out a {$400.00} loan out 8 yrs ago and the collection agency National Credit Adjust, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX is charging me {$2800.00}. I told them that Ohio does not allow hundreds of percent taken on pay day loans and I would pay off at a reasonable rate.They told me they will not remove for another 7 yrs if I dont pay almost 500 % interest on a {$400.00} loan that should be charged off by now they bought for pennies. Original creditor XXXX XXXX XXXX  who also was in trouble for overcharging and being predatory.
Consumer complaint received 2016-01-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (LA)

I have a dispute with Direct Express Dispute Department concerning a transaction on my direct express debt XXXX. This dispute was opened on XXXX XXXX, 2015, I submitted documents on XXXX XXXX, 2015 and the dispute was closed on XXXX XXXX, 2015, base upon conflicting information. They stated I wrote XXXX XXXX, 2015 verse XXXX XXXX, 2015 as the last time I used the card. I resubmitted a letter concerning the error with the date and stated at the time I open the dispute I stated XXXX XXXX, 2015 as the last time I used the card. On XXXX XXXX, 2015 the dispute was put into Fair Hearing Status. I was told it could take 30 days and I was also told there is no time frame concerning the Fair Hearing Decision. I believe without no timeframe it could take years before I receive my money back. I provide d the police incident number and the XXXX who are working on the case, her name is Officer XXXX XXXX she can be reach at XXXX or XXXX. The direct express dispute number is XXXX open on XXXX XXXX, 2015. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX, XXXX, LA. XXXX
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022 I sent certified letters via USPS to Chase Auto Finance CEO XXXX XXXX & there Correspondence department requesting validation of alleged debt pursuant to 15 U.S. Code 1692g ( a ) ( 1 ) and how the alleged debt was calculated.

In said letter I also requested verification of claim against me, ( a signed invoice ), a copy of the Contract binding both parties ( me & chase auto finance with wet signatures from both parties ), via certified mail, an Affidavit of Truth, and a {$8000.00} invoice stating 8 Federally Protected Consumer Rights Violations under 15 USC 1692 from a previous correspondence Chase has mailed me via USPS. I also informed Chase Auto that they were not the creditor in pursuant to 15 USC 1692g ( a ) ( 2 ) and that impersonating a creditor is a FEDERAL Crime. I requested that they remove said account from my consumer credit report if they could not provide with the above mentioned. 

As of Thursday, XX/XX/2022 Chase has yet to provide with my a remedy nor have they provided proper documentation for the validity of alleged debt.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc. (OH)

I have seen multiple accounts opened at SoFI and I dont have any accounts with them. They have not defaulted but my personal information is being leveraged fraudulently. I have frozen my account with all credit reporting agencies. I have called SoFI numerous times and their fraud department seems to not exist at all.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (ID)

On XX/XX/XXXX, I applied for a Best Buy Credit Card at a store in XXXX, CA. I was deferred but even after Best Buy called Citibank, they would not give further information. A few days in the mail I got a letter stating I was declined due to a security fraud alert on my account. Citibank never tried to call me or verify my identity. They attempted to do so while on the phone with me but could not because they were calling an old number I haven't had for over 2 years. They told me to get the fraud alert cleared and to try again in 30 days. This made 1 negative hit on my credit due to a credit inquiry that they didn't even use. The system they explained to me that they use apparently doesn't use the credit reporting agencies to validate my information, when the fraud alert specifically on my credit report said to contact what is my right number. So I took a negative hit on my credit because Citibank neglectfully refused to use the information that was directly provided on my XXXX credit report at the time. 

After XX/XX/XXXX, I applied again and was denied for already having an application in the system. I called Citibank and they said to wait a few more days. I applied again 2-3 days later and was told again that my old application was still in the system. I was told to apply again after XX/XX/XXXX because that is the date my old application expired. I applied again on XX/XX/XXXX and was deferred. I called to see if there was any issues with my application, information, etc. They declined to provide any information and told me to wait for their letter. 

Citibank willfully admitted that they did not use information that was directly included on my credit report, using some outside source that they refused to disclose. I have a strong belief that Citibank is declining my application because I had 4 applications in one month, which was because they lied to me about the timeframe I could apply multiple times. They have caused me to harm my credit part with this neglect.
Consumer complaint received 2022-04-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I received my credit file and noticed credit acceptance had been reporting negative payments to all CREDIT REPORTING AGENCIES which makes them in violation of 15 USC 1605. I've sent them over a letter VIA certified mail on XXXX XXXX  tracking number being ( XXXX XXXX ) which had been picked up by their company on XXXX XXXX. Ive asked company to stop reporting and correct all inaccurate late payments and to update the balance to XXXX $ being that the account had already been paid. This account is preventing me from achieving future goals due to lenders looking at account as negativ
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (FL)

I have called him I have call Paypal and I have told them about it several times that my my face shut my account down because of the funds that I receive and they have nothing to do with the casino flight pass that rush you have the pictures and nothing was done about it they say everything is OK on it in but it was not and I call I didnt know what else to do and my car is still not right they have took money off of the machine and theres more money than that which I have it documented I reached out several supervisors and let them know about it everything feels to be OK on their end but its not on my end but no one never mentioned to me about giving me another debit card or account number but since Ive talk to those supervisors I got a card in the mail the XXXX XXXX XXXX and the car still has the same card number is nothing different the CVC number account number the card number everything seems the same and nothing has been done I cant receive money to cash out on casino games I have like XXXX XXXXOn the lottery scratch off and I cant use the my PayPal card to cash out its an invalid account so I dont know what else to do I took my XXXX XXXX XXXX XXXX XXXX off because they shot my car down because they said they can pay {$1500.00} I have it on video but unfortunately I have to go back to my phone to find it because I videoed it and itll show you the money about Paypal
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX  at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. 

I have a denial letter from XXXX XXXX  telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX  showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

XXXX cites SageStream / XXXX Risk Solutions Consumer XXXX as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX  Uses and cites in their letter whom I have never heard of. SageStreamXXXX XXXX indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and SageStream / XXXX had XXXX security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (LA)

On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX  at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX  did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. 

I have a denial letter from XXXX XXXX  telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX  showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

XXXX cites XXXX XXXX  LExisNExis Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX  Uses and cites in their letter whom I have never heard of. XXXX/Lexis Nexis indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / LexisNExis had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Equifax XXXX and 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 this capitol one credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-04-22
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. (PA)

I am in the process of purchasing a home, however, there are inquiries on my report I do not recognize. I am a couple of years out of a bankruptcy and despite my improved credit, paying a loan off and monitoring my credit my score keeps going down from inquiries I do not recognize.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (MI)

I have submitted several request for XXXX, XXXX and Experian to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.