davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXXXXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, GA XXXX. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) 1. XXXX XXXX The correct name is XXXX XXXX The correct employer is XXXX XXXX XXXXXXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thankyou, XXXX XXXX
Consumer complaint received 2022-10-11
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. (TX)

I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-02-23
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting 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 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GREAT WESTERN BANCORP, INC. (SD)

I purchased football game tickets from a man on XXXX. I made the payment and never received the tickets. His facebook profile is now deactivated. 

I filed a dispute with Great Western Bank in XXXX XXXX and it was denied. They stated they had to follow 'Visa Rules '. Reg E rules always trump the network rules ....
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I received a notice from Equifax on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet equifax reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.
Consumer complaint received 2023-02-28
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. (NV)

delete these inquiries XXXX XXXX XXXX XXXX XXXX XXXX  inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX, XX/XX/XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX XXXX XXXX was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX Experian / XXXX XXXX. Box XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. 

DELETE XXXX XXXX XXXX XXXX because the balance owed " '' {$830.00} and the High Balance {$830.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation DELETE XXXX XXXX XXXX XXXX because the balance owed {$420.00} and the High Balance {$420.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation Any inaccuracy on an account makes the entire account invalid and it must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Ive included a copy of my State Drivers License and Social Security Number.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I 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 2024-02-21
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OR)

Experian makes it very difficult to place a credit freeze on your account in the event of suspected identity theft ( we accidentally gave sensitive financial information to a phishing email on XX/XX/25 and tried to freeze our credit on the same day ). It seems that they do this intentionally as placing a credit freeze can be accomplished fairly easily online at the other two credit agencies. It is similarly difficult to place a fraud alert with experian compared with the other credit agencies. At this point we have been unable to place a credit freeze with experian and we are having to mail documents just to place a fraud alert. We have already placed credit freezes with the other credit agencies, which again was fairly straight forward. Experian does apparently allow for a credit freeze to be placed by mail, however due to the outrageous amount of documents they request be sent by mail ( which they won't allow to be uploaded online ) and our concern that it will be very difficult to remove a freeze with experian in the future ( there are many reports of this online ) we have not attempted this. Additionally when we attempted to upload documents for a fraud alert online, experian 's upload site simply times out. I have tried multiple times. Again, it seems that they intentionally make the process difficult. We have tried to call, but we were never able to reach a person to speak with. Credit agencies are required by law to allow for fraud alert and credit freezes to be placed. Experian seems to be doing their best to comply as little as possible with law.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2023 XXXX XXXX XXXX sent {$420.00} to PayPal on my behalf.paypal sent an email to me at XXXX advising I had {$420.00} in my PayPal account and asking do you accept this money.i clicked the big green emblem accepting the funds.then PayPal asked what I wanted to do with the funds.two choices I selected deposit in my bank account XXXX  XXXX XXXXagain 2 choices instant deposit for a fee or delayed deposit no fee.i selected instant deposit.a fee of a little over {$7.00} appeared asking did I accept this fee.i indicated yes.balance of {$420.00} supposedly was deposited.upon checking with my bank no such deposit occured I was advised to contact PayPal.after several unsuccessful attempts to get the funds I instructed PayPal to refund the {$420.00} back to XXXX XXXX XXXX a small business I did business with so I could have XXXX  send my funds to a reliable source my bank recommended XXXX and further to close my PayPal account.paypal agreed.the owner of XXXX sent me a screenshot of PayPal sending the refund then stopping.i contacted PayPal again `` your refund was deposited in your bank account '' Wrong.wasnt.paypal still has my funds.the last supervisor I spoke to and recorded said I was lying about initially requesting the money be deposited in my bank and being charged a fee.she was rude and gave me the impression that my refund would be sent back to XXXX next week whether I liked it or not.im contacting corporate Monday but don't expect much better treatment.oh they recorded all these conversations and so did i.i feel at XXXX on a fixed income both XXXX abuse and cival rights abuse apply herem
Consumer complaint received 2023-07-30
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. (AL)

I received a copy of my credit report from XXXX on yesterday and it shows multiple inaccuracies, including the incorrect spelling of my name along with several inaccurate accounts. I have requested multiple reinvestigations and/ or the removal of the inaccurate information. To date, nothing has been sent to verify proof of the investigation and no inaccuracies have been deleted as per 15 U.S. Code 1679c. Now, per 15 U.S.C. 1681, I am requesting the following inaccurate accounts be DELETED Immediately. 

XXXX XXXX XXXX XXXX - Never late, Account in litigation XXXX XXXX XXXX XXXX XXXX XXXX  - Not mine, no knowledge of this account, see Statement attached. It does not state my name or joint information XXXX XXXX XXXX - Never late, Account in litigation Name- XXXX XXXX XXXX XXXX not XXXX. Delete ALL accounts attached to this wrong name that inaccurate, fraudulent, and is not identified as me.
Consumer complaint received 2023-02-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

To whom it may concern, This message is in reference to the contract signed on XX/XX/XXXX for the XXXX XXXX XXXX with XXXX and XXXX of XXXX. I am providing clear and conspicuous notice of the fraudulent contract. 
I spoke with a salesman concerning the automobile approximately 2 weeks prior to signing the contract. I was told that a downpayment was required to strengthen my credit application for the automobile or I would be more likely to be denied credit. I provided the amount of {$4000.00} in cash to the dealership to pair with the credit application. I was approved and a finance charge was imposed on me by the creditor, Wells Fargo Auto. The finance charge was paid, the dealership received the credit for the automobile, and the automobile was released to me.

This is fraud because 15 USC 1662 ( 2 ) states, No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. The creditor can not arrange any downpayments in any amount according to 15 USC 1605 which states, ... The finance charge does not include charges of a type payable in a comparable cash transaction In the face of these two laws, there is no reason for a downpayment to be required for the purchase of credit. It is the responsibility of XXXX and XXXX of XXXX to provide proper disclosure since a representative of their organization was present, and not a representative of Wells Fargo Auto. 
These inconsistencies can not be misconstrued as bona fide errors due to the Federal Truth-In-Lending Disclosures section noted on the contract. Truth-In-Lending includes all subsections including and in-between 15 USC 1601-1667f, which they have the responsibility to uphold. Therefore, XXXX and XXXX of XXXX willfully chose to commit fraud by omitting this knowledge, harming me as the consumer when they were charged with the responsibility to ... protect the consumer against inaccurate and unfair credit billing and credit card practices. according to 15 USC 1601.
Consumer complaint received 2023-03-09
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: Paul Michael Marketing Service (NY)

Someone used my personal information to obtain medical care, which subsequently was transferred to Paul Michael 's Marketing. Paul Michaels Marketing is reporting a fraudulent collection on my credit and I am requesting the immediate removal of this account from my credit as its not mine. Please note the attached FTC report.
Consumer complaint received 2019-11-28
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. (GA)

XXXX XXXX is reporting incorrect last payment date for transunion it states the last payment was XXXX XXXX and for XXXX it states the last payment was XXXX XXXX please verify and delete all inaccurate information
Consumer complaint received 2019-11-28
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. (GA)

XXXX XXXX is reporting incorrect last payment date for XXXX it states the last payment was XXXX XXXX and for Equifax it states the last payment was XXXX XXXX please verify and delete all inaccurate information
Consumer complaint received 2023-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KS)

I have sent in multiple requests and disputes to Experian and they refuse to block incorrect information from my credit report or correct my personal statement. Experian has now blocked my access to file disputes online. They require that I call only. I am legally XXXX and do not talk on the phone. Experian has refused to explain why they have blocked my ability to dispute inaccuracies online and they also refuse to accept my disputes in writing, claiming that they " are not from me. ''
Consumer complaint received 2023-02-23
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. (NV)

Experian and XXXX are reporting a charge-off account on my consumer report. A charge-off is a delinquent debt over 180 days old. The company has written off this account/debt as uncollectible and this debt is no longer considered an asset and this has to be reported to the IRS. Therefore a charge-off is considered income. Why are you reporting income on my consumer report? A charge-off can not be considered both income and debt. Suppress this account immediately. 
XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX : Amount : {$35000.00}
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (CA)

My payday loan repayment was due back on XX/XX/XXXX. I had not been able to pay it be-cause other expenses that I am paying for. I had requested for help from debt relief agencies to help me repay the loan. I need help from your agency as well to help me repay the loan of {$300.00} back to SPEEDY CASH.
Consumer complaint received 2022-12-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (CA)

I don't have an account with Honda Financial Services. But they call me every day ( from XXXX ) and leave a message asking me to call them. I did call them to ask them to stop calling me - because I don't have an account with them - and they responded that they can't stop the calls because I don't have an account. 

This isn't right. It's illegal debt collection directed at someone who does not owe them a debt.