davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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. (VA)

Original XXXX XXXX OF XXXX XXXX, XXXX CREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the XXXX. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the XXXX because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Consumer complaint received 2019-11-26
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. (FL)

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (OK)

XX/XX/23 - In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under Act 15 U.S.C. 1681 section 602 says, " I have the right to privacy. '' 15 U.S.C. 1681 section 604 ( a ) section 2 also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 U.S.C. 1666 ( b ) " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. ''
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Im a retired teacher with multiple XXXX that affect focus memory and cognitive activities. I receive accidental XXXX pension paid at end of month. Citizen Bank every month there is an overdraft at beginning of month so they collect fees all month. Every month I loose up to a quarter of my pension to fees. There appears to be a pattern of payments that are scheduled for first of month not posting to up to two weeks later. Even when I dont use account debits occur. Last month I had {$900.00} on Friday when I went into hospital and a XXXX XXXX overdraft when I got out. In past three years they have taken over {$4000.00} in fees.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX {$400.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-03-17
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)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/2021
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have submitted a dispute letter based on removal of inaccuracy and invalidated with all of my student loans on XX/XX/2022. I have not received anything back from the Experian and XXXX regarding the investigation. I have demand for them to remove this from my credit report based on XXXX XXXX CODE XXXX ( XXXX ) Removal of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Code XXXX ( XXXX  ) Compliance procedures maximum possible accuracy.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on TransUnion. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-03-17
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. (GA)

I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.
Consumer complaint received 2022-03-17
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. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Experian. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-01-31
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: Bridgecrest Acceptance Corporation (GA)

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Bridgecrest Credit Company LLC XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), 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 ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Bridgecrest ). Making the report is NOT INCLUDED on my consumer report! 
Debtor ( Bridgecrest ) issuing the auto loan is a transaction that is illegally reported on my consumer report by the person ( Bridgecrest ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Bridgecrest HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS. 
You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (GA)

Hi bought a car financed it through Exeter financial via XXXX. I later found out that XXXX has an ownership interest in Exeter and they did not even try to find me a lower interest rate. My interest rate was 28 % I was able to refinance my auto loan through upstart for 12 %. XXXX mailed a check to Exeter on XX/XX/XXXX to pay off my account. There was an overpayment of {$140.00}. I have not received the check back for the overpayment when Exeter reported to the credit bureau instead of reporting it as a paid off loan they reported it as a delinquent of {$20000.00}. I have tried on several occasions to get Exeter to get it corrected or to even respond to me. With no luck. My complaint is my credit score dropped XXXX points when they did that. I also need my overpayment check and I would like an explanation as to why Exeter and XXXX put me at a 28 % interest rate rather than a company that had lower interest rates that I qualified for
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (VA)

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 equifax data breach. 

XXXX. XXXX XXXX XXXX  Act. # XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX account # XXXX, XXXX XXXX BANK XXXX account # 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 an account without my written instructions
Consumer complaint received 2023-10-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

The XXXX XXXX under XXXX XXXX XXXX XXXX is reporting as a collections on my Equifax credit report. I filed a FTC Identity theft report and sent it along with my driver license and social security number to Equifax and filed a dispute. I was told by Equifax in XXXX Georgia, that my information will be uploaded on their system in 5 days and can be seen by the Equifax call center. On XX/XX/2023, I called Equifax and was told by several managers that my FTC identity theft report was validated and the collections will be removed within 7 days by Equifax back office. 

I was lied to. The collections has not been deleted. This is causing delay in housing for me and my children. Being homeless due to identity theft is a crime. Please help me get this removed so we can get a place to live.
Consumer complaint received 2022-01-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

XXXX ) Illegal and Unlawful Home Sale while XXXX is under Federal Bankruptcy Protection XXXX ) Illegal and Unlawful Notices place on XXXX where Agent committed Trespass and Fraud XXXX ) Corporations, Agents and Attorneys are lying, misrepresenting themselves, and committing XXXX crimes XXXX ) Corporations, Agents and Attorneys are threatening me.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.