davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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: ALLY FINANCIAL INC. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-06-27
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. (MI)

At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows. 

( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX reported XX/XX//XXXX Experian XXXX/XXXX/XXXX Bankruptcy XXXX XXXX-Discharged I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.
Consumer complaint received 2023-06-27
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. (FL)

I sent proof that I entered an agreement with XXXX  and have made payments for the last year and entered an agreement provided the proof however Experian has refused to remove the red non payments for the last XXXX year I have paid and entered into the agreement Additionally XXXX XXXX i never entered any contract with and have no contact for that debt they refuse to prove I have any signed contract with XXXX XXXX  and continue to publish this debt my debt is not with them
Consumer complaint received 2023-06-27
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States 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 2022-12-27
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. (IL)

They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.
Consumer complaint received 2023-06-26
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. (FL)

In reference to complaint XXXX Against Experian, I wrote to Experian to investigate my inquiry regarding my credit report and its accuracy back XXXX on XXXX, 2023. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the inquiry must be investigated and either confirmed or deleted within 30 days. See Attachment Experian did not respond within 30 days and instead waited until I sent them a Certified letter about 80 days later XX/XX/XXXX demanding deletion when they knew they had No choice but to respond because I now had proof that i had been writing them regarding the investigation of my credit report. 

Now that I have file a complaint with CFBP they are asking for more time to investigate, NO they do NOT GET MORE TIME, they are BREAKNG the LAW? .... 

XXXX had also not responded within the 30 day timeframe but when I sent the XX/XX/XXXX letter telling them they had not acted within the law and that they Must now delete the items in question, they did. PLease see XXXX screenshots, Experian need to do the same. I would rather not make this a legal matter and I am once again asking Experian to remove the negative items as required by 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Discharged DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

I called American Express to ask if my card benefits include trip cancelation or trip interruption. My card does not have the benefit, so I asked about a card upgrade. The upgraded card does have these benefits. As I read through the upgraded card benefits, I looked for more information about coverage and acceptable reasons for claims. This directed me to XXXX XXXX XXXX XXXX, and XXXX XXXX. Amex said I had to ask my questions to them, so they connected me. The XXXX agent said she could not answer any questions about card benefits for a card that I do not currently have. I ask how I could make the decision to upgrade if I don't know the details of an important benefit. Eventually the agent connected me to a supervisor. They also could not answer any questions about benefits associated with the card I was considering upgrading to. My only option is to upgrade to the new card, pay {$300.00}, and then get my questions answered by XXXX. This is a consumer protection issue as it requires the consumer to spend money and be locked into a card ( with the impacts on my credit report if I cancel the card ) in order to get answers to simple questions about features of that card. Terrible!
Consumer complaint received 2017-02-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Recovery Solutions (CT)

I keep getting calls and these people keep contacting my family releatives stating they are trying to get a hold of me for a pay day loan I do not owe, I have record of all my loans and these people are scammers. They are very threatening and say they will show up to my home and place of employment and threaten to sue if I do not pay over {$1000.00}. The company name they reference is United Recovery Service, the phone number they keep calling me and my relatives from is XXXX, then they reference a case number. These calls are becoming more and more threatening and they will not let up, tey are harrasing me and my relatives.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Citi Management Group, LLC (CA)

A XXXX XXXX @ Citi Management Group keeps calling at my place of work after she was told by myself and supervisor to not phone me at my place of work. Personal phone calls can get me into trouble. I repeatedly asked for the alleged debt i owe to be mailed to my XXXX XXXX so i can verify the info. I was refused and was sent a email instead that had no real info. She requested that i pay the debt over the phone at that very instant. I requested the original creditor, amount, name, phone and address and was denied that as well. The said debt is from 2011 and that is all the info i was given. Today she called my work again as well as my cell phone. My supervisor took the call and was told by XXXX XXXX that i owed a big debt and wanted my HR contact to garnish my wages. She called my cell phone 2 times in a row and left a voicemail stating if i did not contact her by the end of the day she would move forward and take legal actions. I still have no idea who the original creditor is.
Consumer complaint received 2017-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo  Mortgage is claiming ( again ) that several payments have not been made. Last  XXXX , I filed a complaint abou t four  consecutive online payments that had been stolen,  XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  payments. This was resolved through CFPB.      Wells Fargo  is again claiming that payments have not been made ;  XXXX  and  XXXX ,  XXXX , in the last  XXXX  statements. All payments are being made by check at a local branch, with th e WF  account number, the month being paid for, and specifying payment to principal, interest, and escrow. I make a copy of each check and retain the receipt given me by the teller. Once the check clears, I print out a screen shot of the cancelled check. I was told by a legal advisor that this is the only form of payment I should make, so that a check can not be " lost '' in the mail.     I am being called twice daily, on both my land line and cell phone, and being sent letters saying I am missing payments. I made a phone call in  XXXX  and was told that it would be corrected, which it was not.     All of my payments are current, and I have copies of the cancelled checks.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/year>, I mailed LVNV Financial LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Proof of Receipt ( See attached ), FTC provisioned Identity Theft and Fraud letter ( See Attached ), and all required listed documentation as noted in that letter. The fraud resulted from identity theft committed while I was the cardholder. I also notified the original creditor, XXXX XXXX. LVNV had prior sent me over XXXX emails, and just after receiving my FTC, FCRA Identity theft letter, almost immediately reported the " collection account '' to XXXX, directly in opposition to FTC, FCRA guidelines. LVNV has no standing, as I have proof of all declarations and have engaged in willful, knowingly intentional, unlawful acts. Immediate removal from my XXXX and any other Credit Bureau is required. 
Account numbers XXXX and XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (NM)

The name of the company that made unauthorized charge to my debit card is PAYPAL. My paypal Account # XXXX XXXX XXXX Ref. # XXXX XXXX collector 's name ; XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX XXXX XXXX Hi.., This debt collector company contacted me to collect what they call a debt I owed to them. I don't owe them any money. The debt they are talking about was an unauthorized charge paypal made to my debit card. I disputed that charge and my bank investigated it and was able to credit the amount back to my debit card. That is what happened and it was my own money taken by paypal without my authorization. Nothing that I owe them and paypal is trying to harass me by using a debt collector to contact me. They can go to court if they wish. I am not sure what you can do about this but that is what it is all about. 

Hope to hear from you soon. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (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. 

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 2023-02-14
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)

XXXX XXXX is reporting a collection to XXXX, TransUnion, and XXXX that is not valid and is violating my rights as a consumer, 15 USC 1692g