davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-25
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have 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 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 the information is inaccurate.
Consumer complaint received 2022-09-25
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. (NY)

transunion, should you choose to ignore my evidence and my disputes, litigation shall comense first violation 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. 

thats where you got your information fROM Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates THE LETTER FROM THHE COURTHOUSE IS ATTACHED THE COURT NEVER GAVE YOU PERMISSION NOR DID THEY VERIFY ANY INFORMATION WITH YOU violation 15 usc 1681a- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
In short terms YOU TO have investigated & verified they must have spoken friends, neighbors or associates etc. and if they spoke with them the information Provided can not be factual ANOTHER COMPLAIN SHALL BE FILE WITH THE ATTORNEY GENERAL, SINCE YOU CAN NOT VERIFY THIS INFO AND STILL CHOOSE TO REPORT UNVERIFIED INFORMATION ON MY REPORT XXXX XXXXXXXX removed it because they also could not verify it. so please tell me who you spoke to at the court house, name address and phone number
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NJ XXXX DOB XX/XX/XXXX SS XXXX I requested kindly that XXXX  provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX****.I demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Debt for phone service through XXXX was placed on my credit report. I have been a customer with XXXX for over 13 years. I have had 3 Phones with them and several devices throughout the years. Ive never made a late payment. 

XXXX collection agency counted me out of the blue and said I owed them money. I explained what I stated above and asked them to provide me with something that proved I was an owner of this debt. The very next month I was alerted that thay had placed the claim on my credit report. 

I disputed with agency and two days later ( today ), received information saying that it will stay on my report. 

This is not my debt. I have not had an XXXX account and they will not provide me with any information.
Consumer complaint received 2022-09-25
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. 

Account Experian # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 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 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth finance is reporting a debt that is alleged to have been open in Texas in XXXX and I have not resided there since XXXX. The original creditor could not provide proof which is why the account had already been deleted. Now commonwealth is reporting with false dates on one credit report and on another the entire file is basically blank. I never evieved correspondance from the bedt collector giving a 30 day notice of insertion with the ability to dispute or a dunning letter. In light of the false and incomplete data reported by law the bureaus must remove!
Consumer complaint received 2022-09-25
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX  # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Transunion XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 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 2022-12-15
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: CITIBANK, N.A. (NJ)

In accordance with the fair credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-23
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. (MD)

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 XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I don't check my credit report often but I went to go buy a car weeks ago and the salesman advised me I was declined for a auto loan. When he told me what was on my credit report I started investigating. Someone on the XXXX XXXX XXXX XXXX and California has been using my identity. XXXX. XXXX XXXX is based out of the XXXX XXXX no offices in the south and I live in Alabama. This is fraud - identity theft XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this place is located in XXXX XXXX Nevada - fraud - identity theft XXXX. XXXX XXXX - identity theft fraud someone ordered merchandise and had it sent to a Nevada address this is fraud - identity theft Also there are Nevada address on my credit report that shouldn't be there I never lived in Nevada. Also XXXX area code phone numbers not my numbers please remove these addresses and phone numbers. 
XXXX. XXXX XXXX XXXX XXXX- this account appears to be opened on line and not my debt! Fraud. 
Inquiries XXXX financial - not authorized fraud inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I uploaded a police report and expect these items to be removed immediately from my credit file
Consumer complaint received 2021-12-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Chime closed my account XXXX my check for XXXX was accepted XXXX my account was closed with XXXX in the account- I called, emailed the company only to get lied to about the money in the account I have called and email this company multiple times to get my money back and they lied to me saying they was going to give it back within two weeks after two weeks was up I emailed them agian and they told me they was no longer going to give my money back
Consumer complaint received 2022-11-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Tried to open a savings account with XXXX XXXX XXXX XXXX XXXX ) and was rejected based on an email claiming they could not verify my identification. When I called them, they refused to tell me specifically why I was rejected. The person said they do not have access to the information and recommended I try to open the account again with a different browser. I tried two more times with another browser and another device and still could not open the account. I talked to a supervisor named XXXX who could not tell me the reason I was rejected and that there must be something wrong with my credit or other information I provided. I noted that I opened an account at another online bank with the same information they required and it was approved with no issues shortly after being rejected by them. I asked him to look at my application to see what the issue was. He claimed that no one has access to the rejected applications. I asked if he can put me in contact with someone who can and he said there is no one who can access the information. I then asked if they can manually submit an application and he said no.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

EXPERIAN shared my credit report with XXXX consisting of derogatory remarks, late payments, & false information leading to possible identity theft and harm to consumer. Adverse action has taken place 15usc 1692e 15usc 1666. Opportunity for equal credit has been denied and my application for an apartment had been denied violating my consumer rights. 12 cfr 1026.13
Consumer complaint received 2022-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I, the consumer and natural person have done extensive research of my consumer report. I noticed that there has been an account placed in the charge-off status. Defined by the IRS a charge off is considered canceled debt which is known as INCOME. INCOME can not be reported on a consumer credit report. I also noticed that you are alleging that the following account is negative without furnishing any proof of VALIDATION not VERIFICATION of the alleged debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX I know that you did not do your due diligence in obtaining validation of this alleged debt because XXXX XXXX XXXX is in violation of not reporting this alleged loss to the IRS because they, themselves can not provide the VALIDATION of the alleged debt. They also stated to me that they sold the vehicle and received some compensation. But they are still trying to collect the amount of the alleged debt. XXXX XXXX XXXX also violated my rights under The Truth in Lending Act. I will get into detail with them about that myself. 

As you know, it is against the law to report any information not proven accurate. 

Once again, I demand concrete proof and evidence of the VALIDATION of the alleged debt. A copy of the contract or payment history will not suffice as I stated that the company is already in violation. 

Please be aware that all negative remarks found on my consumer report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

If you are unable to provide me with the full reports of how YOU, Experian VALIDATED and VERIFIED and how you are in compliance then you must remove this account from my consumer report immediately! 

I expect to receive a response 15 days from the date of receiving this notice. 

I have included more information for verification : My SSN- XXXX DOB : XX/XX/90 Best Regards, XXXX XXXX XXXX ' Done in good faith. Without prejudice. All natural inalienable rights reserved.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX. XXXX, # XXXX, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.