davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (FL)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-12-29
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. (NV)

Experian continues to violate my consumer rights. I've informed them of a late payment reporting onto my credit report from XXXX XXXX XXXX XXXX, illegally. 

Pursuant to 15 USC 1666B, payment history can not be reported late for ANY reason. This is against my privacy, which is also defamation of character. I did not provide a written permissible purpose for this information to reflect on my credit report. 

Experian has been notified of its illegal activity and has been given proof of its inaccuracy. Experian has been asked for their method ( XXXX ) of verification which they allege, yet refuse to provide said verification.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (TX)

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2022-06-01
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. (OH)

i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as XXXX XXXX XXXX. 
XXXX XXXX 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 2022-11-07
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. (IN)

On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (ID)

XX/XX/2022 : Discovered unauthorized attempt on husband and wife 's bank accounts to extract {$1700.00}. 
XX/XX/2022 : Met with banker re : unauthorized attempt ; she froze both accounts and opened 2 new accounts, transferring all current activity to the new accounts. 
XX/XX/2022 : Received letter dated XX/XX/2022 from TRS Recovery Services stating husband owed {$1700.00} to their client XXXX XXXX. Advised to either respond and dispute debt within 30 days or pay it. 
XX/XX/2022 : Composed statement for filing Police Report that we dispute this charge. 
XX/XX/2022 : Filed Police Report for fraud against TRS Recovery Services for unauthorized attempt to withdraw {$1700.00} from 2 bank accounts. 
XX/XX/2022 : Composed Response Letter to TRS Recovery Services, disputing the debt and mailed it with copies of Police Statement, Police Report, and dispute box checked on original letter from TRS Recovery Services. 
XX/XX/2022 : Received Second Notice dated XX/XX/2022, from TRS Recovery Services, still demanding payment AND now advising husband has been reported to XXXX XXXX, XXXX and will remain in their database until the {$1700.00} is paid.
Consumer complaint received 2022-06-01
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. (OH)

i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as XXXX XXXX XXXX. 
XXXX XXXX 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 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
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. (CA)

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (NC)

I received my escrow analysis for XXXX in XX/XX/XXXX. The analysis was incorrect, so I contacted the company to ask for a new analysis to be run. The company BSI Financial generated an incorrect escrow analysis the previous year by not including my property tax in the escrow payment. This led to a shortage in my escrow account, but the shortage amount is almost three times what it should be. I called at least 5 times. Each time I call, I get a different answer from the customer service department. I called and requested to speak to a supervisor right after XXXX. Was told no-one was available but someone would call me back. I am still waiting. 
I called again on XX/XX/XXXX, another rep said she would submit the request again. Her name was XXXX. She said it would be ready by XXXX. I called back on XX/XX/XXXX, only to be told it was not ready. It was still pending. I spoke to a supervisor named XXXX. He said he would escalate and it would be ready the next day, which is today XX/XX/XXXX. I called back today only to be told it's still pending. A supervisor was not available for me to speak to. This company is incompetent at the highest level. Nobody seems to know what they are doing and nobody gives accurate answers. I am trying to get my issue resolved but not making any progress. 
Additionally I sent in {$4000.00} to clear the shortage, and those funds seems to just be sitting there. The information listed on my account for the new payment is incorrect. I have XXXX faith in this company.
Consumer complaint received 2024-01-09
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

My XXXX XXXX XXXX  children are in the middle of unethical business practices. I have attached my email of complaint about my concerns with the handling of my daughter and myself when I got involved yesterday, XX/XX/22. 

I have advised my daughter and son not to pay anything until this issue is resolved. The bill transferred to collections totaled XXXX yet my daughter was promised a payoff amount of XXXX. 

The manager, XXXX, rescinded the offer because I questioned the legality of advising my daughter to go to a specific loan company, XXXX, which charges an origination fee after she had told them that she could only afford minimum payments and that the debt was not all hers. She was the only one that answered their call. 

My biggest concern is that the offer was never documented or sent. They promised to clear her name and whomever she chose, but how is that legal to the other former tenants? Then after advising her to get a loan to repay the debt, as if there was no other option, they called her twice in one day to try to get her to make the payment after she told them that XXXX had not deposited the loan into her account. Then when I requested to speak with them and got permission, and questioned their processes for handling young adults that are naive to their options, the same manager that ill-advised her, insulted and threatened us. 

He was rude from the start of the conversation and in a condescending tone, said since I am her mom, why don't I just pay off the XXXX loan. He was on speaker so my kids ' stepfather also heard the brief and unprofessional conversation. And as the manager, XXXX blurted out that he was rescinding the offer and notating my daughter 's account as refusing to pay and threatening to forward it to their legal department, their stepfather took over the call and expressed anger before I hung up the phone. 

I sent an email yesterday, attached. We have not received a response as of today at XXXX XXXX.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (TX)

the company AMERASSIST AR SOLUTIONS tried to collect a debt that i never owed with then and the day opened was on XX/XX/2021 for a debt that was never owed and must be removed as soon as possible. been the second attend to remove this account with this company that never gave any response on the first attempt.
Consumer complaint received 2022-12-29
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. (FL)

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX XXXX XXXX  XXXX balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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. (NY)

i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (KS)

I was pre-approved for a personal loan with Citi. All of the paperwork that I signed indicated that the payments were due on the XXXX of each month. The payments are auto deducted from my checking account. Each month since XX/XX/2022, the payments came out on the XXXX. In XXXX, the payment was taken on the XXXX. I have a big problem with this. 

If Citi starts to do whatever they want to do, this may cause a huge problem for me. I am very angry about this. 

This could have caused checks to bounce, and would have cost me even more.
Consumer complaint received 2022-06-01
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)

i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.
Consumer complaint received 2024-01-09
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. (IN)

I am a victim of identity theft. An identity thief that occurred through multiple data breaches that I was notified of by XXXX. Upon the first notification last year I began noticing accounts, loans and different inquiries on my credit reports that were not mine I also noticed charges to my accounts that were not made by me. I reached out to these companies and credit bureaus making them aware that all my personal data, personal information including address and social security number and banking information was taken within the span of several years from several different branches one from a medical company where my information was stolen and another from my mortgage company loan care. I told them I did not know who used my personal information without my permission to open an account and make purchases with these accounts the debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report to these companies several times I also have a police report now. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
Delete : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all non-account inquiries as I did not authorize these inquiries and they were done without my authorization. 

Also I provided proof of documents that I feel are important especially if the companies like XXXX are saying they verified me by information but they also said they verified another person via information yet this person does not reside with me nor have I ever heard of this name but they mailed out a letter to my house with this person 's name on it saying they verified them, they need to remove all accounts from my credit report asap.
Consumer complaint received 2021-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Been a Coinbase customer since XXXX. 
Discovered that my account was frozen on the XXXX of XX/XX/XXXX. Without any notice ( This to me is a breach of their user agreement ). 
Unable to withdraw or make transactions. 
Open sell orders that were priced around below 50 % above the market price were cancelled. The rest were kept intact. 
A textbox in my profile states that the account is flagged for manual review. 
Sent an email to support asking for clarification for the suspension on the same day. 
Sent a second email on the XXXX of XXXX to ask how long it takes to review. 
Created an internal complaint on the same day. 
Sent a reminder email on the XXXX of XXXX. 
No response thus far. 

Many other users are experiencing the same problem.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (IL)

please remove the XXXX XXXXXXXX account because it wrong 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.