davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment bureaus is double reporting 2 debts on my credit file with XXXX XXXX XXXX XXXX. I recently checked my credit and noticed that Knight Adjustment and XXXX XXXX were reporting on the same debt. I paid this debt off a long time ago so it shouldn't be reporting on my credit file at all. However, XXXX XXXX never closed the account and updated it to a XXXX balance with a " charge off '' status and Knight Adjustment is reporting this as a paid collection. This is a violation under the FCRA and the FDCPA and needs to be fixed ASAP!!!
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

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  Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX Has violated my rights 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 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I was applying for the Amex gold card that had a promotional points offer ( 60k points ). I received a pop up that said i wasnt eligible for the offer because i already had the card. The pop up was wrong as i never had the card before. So i messaged their customer service and asked them why i got the popup and to confirm that they saw i never had the card so that i would be eligible for the promotion. They confirmed that i never had the card, which i have photographic proof of. Then when i meet the promotion requirements for minimum spend and followed up with them for when i would receive the points promotion they said i was not eligible for some general non specific reason.
Consumer complaint received 2021-01-11
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian still has yet to remove former names in which I do not go by XXXX XXXX, XXXX XXXX. As well as a previous address I am not sure where this address as come from but it is not the address on my drivers license or on my current Bill my account is already being affected by information that is incorrect and is damaging my profile and do not need any other mistakes such as this. Please remove any information not consistent with me. The address is Previous Addresses XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX Ct, XXXX XXXX NJ XXXX XX/XX/XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IL)

There is an attempt to collect a debt on items that I had no knowledge of. I have submitted letters on XX/XX/XXXX to the each of the collection/creditors, stating that at the times I lived only at one address which were not any of the addresses that where added to my name. 

XXXX XXXX was open XX/XX/XXXX for XXXX $ Notified on XX/XX/XXXX that the debt did not belong to me, no response Acceptance now was open on XX/XX/XXXX for XXXX $ company never responded when notified on XX/XX/XXXX National Recovery was open XX/XX/XXXX but the original date is XX/XX/XXXX for XXXX $ once I notified this company instead of responding they placed my account as if I am admitting to the debt and made it up to date to their knowledge.
Consumer complaint received 2021-01-11
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: World Acceptance Corporation (TX)

World Finance continues to verify inaccurate information on my credit report to various credit reporting agencies. Specifically XXXX, despite being sent notice under Section 609 of The Fair Credit Reporting Act which requires World Finance to remove or delete information if they fail to provide the authorization to pull credit and or contracts or agreements related to the debt. As of the submission of this complaint, World Finance although duly noticed more than 90 days ago has failed to provide the required information under Section 609 FCRA. World Finance is violating the FCRA by continuing to verify information being disputed as accurate yet failing to comply with Section 609 FCRA. The CFPB has shed numerous entities for these continued violations
Consumer complaint received 2023-05-26
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. (TN)

I recently disputed inaccurate accounts on my credit reporting profile with Experian. 

I was recently involved in fraud where my name and social were compromised dealing with these accounts. I sent id verification over to the company per their request. To no avail, the disputed accounts were not resolved. these reporting parties do not have my authorization to report these accounts without my knowledge or consent. I have no contracts with the following companies as stated.
Consumer complaint received 2021-01-11
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)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL XXXX XXXX writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Pursuant to 1692C ( a ) ( 1 ) Credit Acceptance called me numerous amount of times that was inconvenient to me Pursuant to 1692C ( a ) ( 3 ) Credit Acceptance called me numerous amount of times while I was at work Pursuant to 1692D ( 1 ) Threatened me to take my car also threatened to furnish my information to credit reporting agencies which harms my reputation Pursuant to 1692D ( 2 ) Credit Acceptance used obscene and profane language Pursuant to 1692D ( 5 ) Credit Acceptance called me over 100 times in the past two years to harass and abuse me
Consumer complaint received 2021-01-11
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)

I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved
Consumer complaint received 2023-03-05
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. (FL)

My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. I have never been late with this company.

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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-03
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. (MI)

Experian is reporting my child support case that is closed. I contacted the state of Michigan asking do they provide any of the three credit bureaus?, they sent me a letter saying NO. Child is a public record not a loan or mortgage or credit debit. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 
STATE OF MI OFFICE CHI XXXX STATE OF MI OFFICE CHI XXXX XXXX
Consumer complaint received 2021-01-11
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (FL)

To Whom it may concern, on XX/XX/20, I sent a letters regarding inaccurate and unknown items on my credit report. to this day over 60 days later I have not received a response yet. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly. 

Thank you XXXX XXXX
Consumer complaint received 2021-01-11
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. (FL)

To Whom it may concern, on XX/XX/20, I sent a letters regarding inaccurate and unknown items on my credit report. to this day over 60 days later I have not received a response yet. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly. 

Thank you XXXX XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

I have recently reviewed a copy of my credit report. I ( Consumer, XXXX XXXX ) notice that there are several inaccuraries on my report that I didn't authorize =. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is ruining your reputation and its defamation of character. '' I have attached my FTC report, License, and SSC.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I would like to start my statement by saying I am a victim of the XXXX data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the three credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving XXXX, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.
Consumer complaint received 2021-01-10
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. (NY)

Hello. My identity was stolen from me. There are some fraud accounts noted on my credit report. My son, who is a XXXX  told me that I needed to file a complaint to make sure that the accounts on my report would be handled correctly. I have attached my Identification along with my federal trade commission report and any other supporting documentation you may need. Please help me.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
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. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNCOAST CREDIT UNION (FL)

I have recently become aware of an online scammer. I ordered shoes on XX/XX/2022 for my daughter to have school shoes. They were supposed to ship in XXXX, which was normal at the time because XXXX did pre-orders and never had a problem. I ordered a second pre-order on XX/XX/2022 that was also supposed to ship in XXXX. XXXX kept posting updates about delays with customs and other issues like moving to a new state and warehouse. XXXX is here and XXXX decided to cancel the orders due to out of season shoes. She refunds a gift card. I order more shoes with the promise of no more delays. I placed a new order of shoes on XX/XX/2022 because they were the shoes that were just canceled and had a new ship date of XXXX. My last order I placed on XX/XX/2022 stating they would ship in XXXX. XXXX post that the XXXX and XXXX shoes are running behind again and will ship out on the end of XXXX. XXXX threatened if we dispute or file chargebacks on our banks that we would be removed from the group. 

I call Suncoast Credit Union who I have banked with for XXXX XXXX years to dispute these transactions as the business is not replying to emails and refusing to refund the money back appropriately. They stated that since its past 90 days they will not refund my money and there is nothing more that they can do. 
However, they refunded a friend for the same transaction history that I have. Also, I have up to 120 days of when I was expecting to receive the merchandise and I am in that time frame.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.