davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (CA)

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 that the information is inaccurate.
Consumer complaint received 2023-01-06
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. (OH)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT ACCOUNT # XXXX
Consumer complaint received 2023-07-13
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. (IL)

This is a not a duplicate complaint, I am a victim of identity theft and I have filed Identity theft police report and FTC report for this matter. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Account Number : XXXX is resulting from the identity theft that should be blocked. 

Please block and REMOVE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent item is circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information. 
Fraud account must be removed from my report immediately.
Consumer complaint received 2023-06-25
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: BARCLAYS BANK DELAWARE (NC)

I got the below alert from XXXX XXXX that someone tried to open below credit card. 

ALERT TYPE- Inquiry ALERT SUB TYPE New Inquiry SOURCE XXXX ALERT DATE XX/XX/2023 INQUIRY DATE NAME BARCLAYS BANK DELAWARE PHONE ( XXXX ) XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-07-13
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. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-04-13
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. (TX)

Sent all Ftc violation They just updated Are The company XXXX the Ftc? 
Do they make decisions over what the Ftc deem violations?
Consumer complaint received 2023-07-13
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. (MI)

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right 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 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 has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1681c ( 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 of 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 agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I went to the store early morning try to charge a debit for {$22.00} I found out that it declined I called the bank and found out that somebody charge around {$2300.00} on my checking account from XXXX XXXX I told her since they were still processing to cancel all the charges cuz I did not make them she said to let them go through and I would be issued temporary provisional credit for them until the claim was this investigated I was never issued any temporary credit I was issued a letter of denial I was asked if I made the charges or if I knew who made the charges I told him no I was asked if anybody knew my ATM pin I said my daughter did but she did not make the charges investigated a second time it was and I was denied again I contacted the merchants they told me to file another flight claim with XXXX Bank of America and they would issue the credit to me they also gave me the names of the individuals who made the charges they made the charges and their name not mine just using my card I filed another claim to Bank of America I got another denial letter and contacted the merchants and they said they would never contacted by Bank of America at all about my claim they still insist at Bank of America with contact them with my flight claim they would issue credit Bank of America still to the state refuses to listen or to file another claim even though I told them the merchants are willing to give back the money. I even filed a police report for Bank of America that once they got it they said it didn't make a difference
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

We refinanced our mortgage with another lender, but our previous lender was CMC Funding. Due to the refinance, we were to receive money from our escrow account equaling about {$4500.00}. We have received {$2100.00} of it but have not received the {$2400.00} from the insurance portion of escrow. I have contacted them on numerous occasions. Earliest being close to XX/XX/20 with me requesting status on our escrow checks. This date I was told that XXXX XXXX was paid {$2400.00} using a card and I would need to contact them. I contacted the insurance company and they told me that the charge was reversed due to Insufficient Funds back to the card they used. Most recently on XX/XX/20 when I was told that the charge to insurance was reversed and we would receive the funds by check in at least two weeks. Today ( XX/XX/20 ),  I'm being told it will be 19 days. Also, CMC Funding has not issued the Lien Release to the Registrar 's Office in XXXX XXXX, TN so we can close on our second mortgage. They said they would resend it online but they have failed to do so.
Consumer complaint received 2020-04-13
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)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2020-04-13
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)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (TX)

There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX Experian XXXX Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXX XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX XXXX TransUnion Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXXt XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018
Consumer complaint received 2020-04-13
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. (GA)

I've tried to resolve these stolen accounts on several occasions with no feedback I have collections on all bureaus that are inaccurate there is an issue with a misconstrued name I believe I've never had anything in my name either than a student loan please assist me in the removal of the fraudulent items thanks
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Asset Recovery INC DBA Jacobson and Wright (GA)

This company has made harassing phone calls to my husbands family who I have no relationship with about a debt that was removed from my credit report due to identity theft. They made a false statement to those individuals and told them that I listed their information on an application as an emergency contact. This is completely false as I do not have a relationship with these people. They also claimed that they have a returned check from me, again this is a false statement as I do not own a check book or write checks. They have no authorization to contact me or any member of my family on my behalf.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

In XX/XX/2022, I sent Resurgent/LVNV an affidavit of truth to respond to, but I never received a response. 

Within my affidavit, I laid out the facts of my consumer rights that were violated. LVNV/Resurgent has not responded within 30 days of my dispute which also is a violation.

Attached, you will find documentation sent to the company outlining violations, exhibit showing the violations as well an invoice for the violations. 

Tracking number for the certified letter is ( XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-04-13
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. (GA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.