davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the XXXX credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act. 

This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today. 

I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General. 

I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code. 

Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX
Consumer complaint received 2023-02-09
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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
Consumer complaint received 2022-10-03
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. (NC)

This is my 3RD Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-02-09
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX 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 2022-12-07
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)

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2022-10-03
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-03
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. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-24
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  Balance {$500.00} ; XXXX XXXX XXXX XXXX Balance {$8700.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.
Consumer complaint received 2023-02-09
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. (TN)

On XX/XX/2022 I sent a letter regarding inaccurate 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 been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within XXXX  days gives reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (MO)

My loan was sold by SunTrust to Truist. I was locked out of my account online at Truist, and can not seem to get the password changed. They do not have humans staffing phones, and the AI is no help because they keep sending codes to an unknown telephone number. 
I have been trying for a week to resolve this, and despite being on hold for significant amounts of time, have never reached a human. There is no way to contact them via email.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (TX)

This company only provides statements via their online portal and app. Their app and customer portal have both been inaccessible since XXXX with no email communication and no paper communication nor statements sent. This is an installment loan that I took out to receive XXXX treatment. As it currently stands, I have no idea how much I owe on this loan, I don't know when my introductory rate period expires, and I can't make any additional payments. I believe they are violating customer 's rights by not providing this vital information and by blocking early payoff requests. Hold times with customer service are extremely long and the representatives don't provide solutions or answers.
Consumer complaint received 2023-02-24
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$360.00} 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

The lender must send a notice that the property was sold must give the date, time, and location of the sale. A defiency letter i never received please provide date in time stamped of items being mailed Request a 1099-c or 1099-a .I never received proper notices show proof mailed sent in received.
Consumer complaint received 2023-02-08
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-02
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. (MO)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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. 

With that being said, why hasn't Transunion and XXXX XXXX XXXX XXXX removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on Transunion and XXXX XXXX XXXX agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.
Consumer complaint received 2023-07-02
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. (FL)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

There are names and addresses on my credit report that arent belonging to me, I would need to seek an immediate correction. 

My correct name is : XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (IL)

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, Experian, and XXXX assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my consumer report. 
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX XXXX XXXX XXXX Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

the first progress report account that's reporting on my credit report account number XXXX XXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in XXXX it says they open XX/XX/2020 while in Experian it says XX/XX/2020 which makes this report invalid please delete immediately..
Consumer complaint received 2022-04-21
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: CURO Intermediate Holdings (CA)

Took more than 30 days to verify debt- Failed to supply a contract or proof of a signed directly with this company. 

I Did not sign a contract with this company that is reporting. Please remove
Consumer complaint received 2023-02-08
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. (CA)

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate info on my credit report and file, however they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. 
Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as ato transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 USC 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputations severe harm and discrimination.