davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

A fraudulent reservation was made through the XXXX website using my XXXX financial loan info without my consent or knowledge. I contacted XXXX to report and dispute the unauthorized/fraudulent activity and after 30 days they settled on a resolution that I still owe this loan but did not provide any proof or reasoning why. I contacted XXXX to confirm that I've never had an account or reservation with them and asked if they had any knowledge of this reservation, which they did, and they've since removed the reservation from their site but claimed they would refund the full reservation amount since their was fraudulent activity done and they would look into it. NO additional information was provided from XXXX regarding the reservation. I also filed an affidavit with XXXX  and submitted a FTC report on both organizations as a response to the resolution that I was a victim of identity theft and that the reservation made on the XXXX website was not done by myself or with my knowledge or consent. XXXX has since sent the now delinquent loan to 3 different collection agencies and 2 of the 3 stated that with the proof of documentation I provided to them, they would not be pursuing debt from me on this loan and would contact XXXX to confirm their decision. XXXX did not reach out to me with any updates or information at any point but proceeded to send me the third collections agency which I have not received any communication from. I've also filed a fraudulent dispute with Experian in XX/XX/2021 and they also came back with a resolution that the XXXX loan will remain on my account. I have received no documentation to prove this debt is mine but have filed and sent fraudulent and identity theft reports, a signed affidavit, several calls and emails proving this loan was fraudulent, unauthorized and that it should be removed from my credit report. I've spoken to several XXXX supervisors and representatives that have a log of all the calls and emails and supporting documentation that proves this loan was not authorized by myself and should never have been approved.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (TX)

My Credit Report indicates, Im past due for {$90.00} from CBE Group. I have not received any detailed billing under my name for {$90.00}. I need proof that this {$90.00} is legally my bill. I have a right to see proof that Im responsible for such amount. If this is true than why havent I received a billing statement. I have filed a dispute with the Credit Companies and filed a a Fraud Notice because the Credit Companies cant seem to identify what the charge is specifically for. I think its incorrect to mark up someones credit report without proof of charge or negligence in paying. I seriously 100 % doubt this bill is legally mine but I cant provide evidence if I never received an itemized bill. 

This could be a case of fraud. I have been living at my current residence since XX/XX/2017. 

Can you please assist?
Consumer complaint received 2020-02-21
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)

I have disputed several times that accounts were closed and paid off. Experian does not update the report and displays incorrect information. Ive submitted proof of documentation that the account is paid off and they do not remove or update the accounts.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc. (NJ)

I was contacted by Amsher Debt Collection, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing to address a concerning issue regarding the inaccurate reporting of bankruptcy information by LexisNexis, which has been disseminated to other credit reporting agencies, including XXXX, XXXX, and XXXX. This matter raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and related laws and codes. 

As per 15 U.S. Code 1681e, consumer reporting agencies such as LexisNexis are required to establish and comply with reasonable procedures to ensure that consumer reports are furnished only for permissible purposes under section 1681b of the FCRA. This includes verifying the identity and intended use of any party seeking consumer reports before providing them. Additionally, consumer reporting agencies must make reasonable efforts to verify the identifications and certifications of purchasers before reselling consumer reports. 

Given these legal obligations, I am deeply concerned that the dissemination of the erroneous bankruptcy information to other credit reporting agencies violates the FCRA and other relevant laws. The inaccurate reporting of this information not only damages my creditworthiness but also undermines the integrity of the consumer reporting system as a whole. 

Furthermore, 15 U.S. Code 1681e ( 3 ) stipulates that a person who procures a consumer report for resale shall not disclose the identity of the end-user of the report if the end user is a federal agency or department procuring the report for specific purposes, such as determining eligibility for access to classified information. This provision underscores the importance of protecting sensitive information and ensuring compliance with federal regulations. 

Therefore, I demand that LexisNexis take immediate action to rectify this situation by removing the erroneous bankruptcy entry from my credit report and ceasing the dissemination of this inaccurate information to other credit reporting agencies. Also that this information be removed from XXXX, XXXX, and XXXX. Failure to comply with these legal obligations will leave me with no choice but to pursue legal remedies to address this matter. 

Thank you for your prompt attention to this issue. I expect a timely response confirming the corrective actions taken.
Consumer complaint received 2024-04-02
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: CITIBANK, N.A. (GA)

XXXX HAS ALLOWED BEST BUY A.K.A CBNA TO REPORT THE SAME ACCOUNT TWICE ON MY XXXX REPORT. BOTH ACCOUNTS FROM CBNA HAS THE SAME OPEN DATE XX/XX/2020., I WOULD ASSUME ITS IMPOSSIBLE TO HAVE TWO REVOLVING ACCOUNTS WITH THE SAME CREDITOR AND OPEN DATE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INVESTIGATION. CBNA FAILED TO PERFORM A INVESTIGATION. THE DUPLICATE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED CBNA THE REPRESENTATIVE CONFIRMED THIS WAS A DUPLICATE ACCOUNT USING MY CREDIT CARD NUMBER AS THE ACCOUNT NUMBER. SHE STATED IT WILL BE UPDATED, ITS NOT UPDATED
Consumer complaint received 2022-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MD)

On XX/XX/2022, I closed on a home equity loan with PNC Bank. After my 3 day recision period, my loan product was not available to me and was not yet funded by the bank. I was advised by my loan processor that after the mandatory recision period, I could request a convenience check from a local branch that would give me immediate access to my funds until my checks and access card came in the mail within 7-10 business days. PNC has placed a lien on my property and I do not have the loan proceeds in return or a copy of my closing documents. I have been given all sorts of internal administrative excuses that were not disclosed to me during the loan process or recision period. During this entire process their was a complete lack of transparency and communication from PNC. I did not sign any agreement giving PNC an indeterminate amount of time to process or hold the loan beyond our closing agreement recision period. This is a deceptive practice by PNC. Whereas they have a right to my home, but I have dont have immediate access to the funds. Additionally, if I wanted to cancel and move forward with another lender, I cant proceed because my recision period has expired and this would be an administrative burden.
Consumer complaint received 2022-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

XX/XX/2021 {$950.00} I disputed with company and credit bureaus numerous times. I advised them that I didnt go to the hospital on this date. This is not my debt. I also asked for documentation such as a copy showing my identification and signature and they both failed to comply.

Its a third party collection agency collecting on a medical debt is on violator hippa
Consumer complaint received 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-15
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. (NC)

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 2022-06-04
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 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 2022-06-04
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right 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 2022-06-04
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. (TX)

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

15 U.S.C. 1681 Section 602 A. States I have the right 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 2020-02-17
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: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : FSTPROGRESS XXXX XX/XX/XXXX DEPTEDXXXX XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Consumer complaint received 2022-06-04
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX ( # XXXX ) amount : {$140.00} 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 2020-02-21
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)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2022-09-13
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. (SC)

XX/XX/2022 Experian customer service violated my privacy changed information without my consent or authorization refused to make correction. 


I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account - US BKPT CT SC COLUMBIA Account Number - 2001397HEB 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 m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX 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 m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX 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 m written instructions. 
Delete this account immediately {$1000.00} per violation PERSONAL INFORMATION Incorrect name - XXXX XXXX XXXX ( DELETE XXXX ) Delete this account immediately {$1000.00} per violation Incorrect name - XXXX XXXX Delete this information immediately {$1000.00} per violation Address Information XXXX XXXX XXXX XXXX, SC XXXX Delete this account immediately {$1000.00} per violation XXXX TRIBUTARY WAY XXXX, GA XXXX XXXX this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation EXPERIAN XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX 
Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation
Consumer complaint received 2022-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I still owe the balance of the debt, the reason for the complaint is because the creditor is showing the account past due when I have never missed a monthly payment. On XXXX occasions they have received my check and withheld until the next month to cash it. I have provided a detailed letter and proof of all payments from XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 2022-12-17
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. (SC)

Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

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 2022-06-04
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. (MD)

In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX  XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (OH)

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

15 U.S.C 1681 Section 602A states : I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 states : a consumer reporting agency can not furnish an account without my written instructions.