davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TX)

Concora Credit updated my credit file with XXXX and XXXX that XX/XX/2023 was late. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 
Under 15 USC 1681 section 604a section 2 also states consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (MD)

My name is XXXX 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 2019-07-26
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. (FL)

Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. see attached files
Consumer complaint received 2022-12-19
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. (GA)

I HAVE SOME FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, AND I SENT IN ALL DOCUMENTS AND STILL NO LUCK I NEED THESE ACCOUNTS OFF ASAP. THANKS XXXX, ACCOUNT NAME XXXX XXXX XXXX # XXXX XXXX. ACCOUNT NAME XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-19
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (MO)

World Finance receive the Court documents that this was discharge and they are still reporting charge off on my experian report i disputed this acct multi times and provided document i even ask for proof of acct and nothing i provided my documents and i spoken to both the creditor and wold finance
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Hard Inquiry- XXXX I am writing this letter for the THIRD TIME to dispute a fraudulent hard inquiry that has appeared on my credit report. I have been a victim of identity theft for the past 6 months, hence the active fraud alert on my profile. I recently unfroze my credit to move forward with an apartment check and in the time that its been unfroze someone has accessed my information. Attached is the XXXX letter confirmation of fraud. 

As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the removal of the following fraudulent inquiries from my credit report. 

XXXX hard inquiry on XX/XX/2024 I did not submit nor authorize any inquiries from XXXX. I have 0 open accounts or connections to this institution. 

Equifax is pure trash. Let 's start with the " investigations '' they claim to do that are completely useless and no help whatsoever. I am dealing with true name fraud. Every time I submit a fraud dispute it conveniently comes back " verified as accurate '' which is LITERALLY impossible and I'm convinced this entire company is run by retards. 

They don't send follow up letters, they continue to make decisions that DON'T HELP and don't protect my credit profile at all! I'm just letting the problems pile up at this point so I can get a fat check from the lawsuit coming their way. This is absolutely ridiculous!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KS)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
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. (VA)

Experian is reporting a Bankruptcy and other Information on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report and have a list of the Information that I upload and I highlight all the Misleading False Reporting Experian have Violated all these laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S. Code 1681a ( 2 ) B ) Exclusions from a consumer Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXXXXXX XXXX  - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXX XXXX -Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXX XXXX XXXXXXXX - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-07
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

Agent name XXXX has made several calls to me regarding the Huntington debt of XXXX dollars after continuously telling him that I was unable to settle the debt outright. refused to allow me to settle with a payment plan and would continually call ( sometimes twice a week ) In order to harass and threaten legal action to receive payment.
Consumer complaint received 2023-08-08
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. (CA)

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : Account Name : XXXX XXXX  Original Lender : XXXX XXXX XXXX  XXXX XXXX Name : XXXX Date Assigned : XX/XX/2023 Original Balance : {$1000.00} Current Balance : {$1000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXXXXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (FL)

On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company XXXX XXXX XXXX. I told them that the debt was paid in full. XXXX XXXX XXXX asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by Pendric Capital. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (SC)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act I have a right to accurate reporting and after reviewing my credit report today I Noticed something off about a couple accounts. Please help me by investigating these accounts. 

XXXX XXXX XXXX- XXXX XXXX -- XXXX XXXX -- XXXX
Consumer complaint received 2023-02-07
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. (SC)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT SHOULD NOT BE REPORTING TO MY EXPERIAN CREDIT REPORT. THEY ARE LISTED IN THE FTC REPORT. 

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-05
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. (GA)

On ( XX/XX/2023 ) 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 2023-04-19
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. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

We submitted several loan modifications to Shellpoint and have been denied because we " have equity in your home '' We do not have equity. The BPOs done on the property are XXXX` drive bys '' We invited our mortgage company inside to see that the entire top floor ceilings are covered with mold due to our neighbor 's tree falling on it. They did not respond. We were recently denied again on XX/XX/XXXX, Shellpoin claimed to have mailed the denial letter on XX/XX/XXXX. but we have yet to receive it in the mail. It was finally sent via email and we see that there are many errors of the XXXX inputs. There was no option on any of the pages stating that we could appeal the denial, which we did anyway & sent to them via fax and email on XX/XX/XXXX. We sent Shellpoint requests for information on XX/XX/XXXX, no response yet. My daughter and I have been in this home for almost 40years and have enough income between us to pay a modified mortgage.
Consumer complaint received 2022-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

ACCOUNT : XXXX XXXX XXXX. 



15 U.S.C. 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

THIS COMPANY NO LONGER OWN THIS DEBT BUT STILL IS REPORTING IT. THEY HAVE SENT IT TO MULTIPLE DEBT COLLECTORS WITHOUT MY CONSENT. 

I HAVE ASKED FOR PROOF OF EVERYONE WHO HAS OWNED THE DEBT THEY HAVE NO REPORTING INFORMATION.
Consumer complaint received 2021-04-20
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (ND)

Starting on XX/XX/2021 my Paypal prepaid card was stolen and was being used without my consent. On that same day I was XXXX in the XXXX county XXXX  in North Dakota. On or around the XXXX of XXXX I had my daughter call and suspend or cancel this card and every other card I have. I would have done that sooner, but I had no means of doing so. Then without my knowledge and definitely not my approval another card was reissued in my name possibly by the person who took the first card. The first and only card I ever was issued from Paypal prepaid was stolen out of my vehicle along with my vehicle shortly after being arrested. So every transaction starting that day to the day I was released was not made by me for me or to my knowledge on XX/XX/XXXX. I contacted NetSpend dispute center to notify them of all the info I had at the time. Most of which I seen thru my emails. I tried to have them understand that all those transactions weren't mine to much confusion on their part. They only understood three transactions and refunded me {$290.00} in XXXX leaving me short {$1700.00}. So then I filed another complaint and after a lengthy investigation I was found liable for charges I didn't make. I found that out by calling them on XX/XX/XXXX. I did everything asked of me and was very proactive by disclosing all the pertinent information I could in a timely manner. Also sent a couple faxes for whatever reason. I just can't believe they treated me so poorly. Being stripped of my money and being treated like I spent all my money while behind bars was very rude. I still haven't received any more money other than the {$290.00}. This money I had was my state and federal unemployment.
Consumer complaint received 2022-10-13
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. (CA)

In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX