davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (CA)

My information was exposed recently and to tell you the truth I feel so violated it makes me want to just die its non stop things popping up everywhere that I don't know were to start they sucked me dry again witch bring s me to good old netspend I had got my stimulus check loaded on there card I went and take out a XXXX dollar withdrawal so I would have enough for the next couple of weeks I Made some misalanious purchase here and there I couldn't download the app for some reason but I got a new one do you the fact I got robbed at gunpoint for .my phone and had XXXX get to get a new one well I had reported this to netspend and csr assured me they could not get my info so there was no need to cancel card well to my surprise I get my new phone I was able to download app but boy I wish I was not here at this moment this has brought so much tension between me and my wife cause she told me not to load a prepaid card cause it would create problems and it did I don't understand how a XXXX dollar credit would not raise flags anybody that is making a purchase a company would rather it be a debit transaction to be sure that it goes threw I would never risk I provided netspend with all what they needed to get my money I even provided them a reciept of me being in another city when this transaction was occurring I am at the brink of eviction problems with wife I request you to please have netspend respond also two checks that were not deposited by me how does this happen
Consumer complaint received 2022-12-17
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: ENCORE CAPITAL GROUP INC. (NY)

I have been trying to remove these items from my credit report for over a year. I have tracking # proof also. My pastor told me about the 609 law and helped me write a letter of intent to all XXXX credit bureaus. They have not responded or provided any proof of these debts that are not mine. I am trying to purchase a home and this is causing a huge problem. 
XXXX : MIDLAND CREDIT MANAGE for {$980.00} XXXX MIDLAND CREDIT MANAGE for {$2400.00} XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have been trying to resolve an error since XXXX XXXX, that only experience is reporting. My credit report with Experian is showing two incorrect reports, first error is stating that I have had a late payment 30 days plus, second error is payment late 60 days plus. ( Which is incorrect ). Also on the same report Experian contradicts itself showing all my accounts are paid in full, on time, never late, pays as agreed ( which is correct ). Also is showing a rapid decline in my credit score, most recently showing my score at XXXX. However, the other two credit bureaus are showing accurate information with my score in the high XXXX. I have attempted multiple times to correct this issue with experience with no avail. I have been passed back-and-forth between disputes and member services as well as reaching out to them via phone, where Ive spent hours, emails, and US mail. Experian does not give me any explanation as to why their report is showing this and as why it is contradicting itself upon the same report. Instead of Experian trying to assist in correcting this error they just keep passing the blame on different apartments with an experience. Meanwhile, it is affecting my credit score due to their lack of willingness to rectify their incorrect reporting. Therefore, I am reaching out for your assistance.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

For at least the past 5 years Equifax has refused to provide my free annual credit report when requested via the XXXX   XXXX XXXX ( https : //www.annualcreditreport.com ) website. Every year I have to jump through a bunch of extra hoops to get it by mail ( instead of electronically like I get the other two credit reports ) and then half the time their call center wants to charge me for it. 

I was advised by their XXXX page to call their Global Consumer Care Team at XXXX, but the auto attendant refused to connect me to a live person. 

As far as I can tell Equifax is trying to use this to scam money out of consumers.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (WA)

I received a notice from suttell and hammer XX/XX/2019 stating that XXXX XXXX  XXXX has referred the above account to their offices for collection. I responded XX/XX/2019 asking them to verify that the debt was mine, exercising my rights under the FCRA, they sent me over 100 statements with my name and incorrect address on it. The failed to comply but I was served with papers today XX/XX/2019 being summoned to court for breach of contract, I don't recall signing a contract with Suttell and hammer, they didn't have enough decency to provide the contract with my signature on it that I am breaching, they are in violation of the FCRA.
Consumer complaint received 2017-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC ()

My loan was transferred to a new company- I was never informed until a month after it happened ; because I live in the XXXX XXXX they will not allow me to pay my mortgage online like I used to in the past, even though I am paying with a XXXX bank account. This means I will have to pay via telephone at a cost of XXXX $ each time or risk huge late fees if I mail it since it will take a couple weeks to arrive. Also, they are forcing me to purchase wind coverage, which my policy does not cover, and my condo association has never heard of this before. Not one unit in my complex has this coverage, nor are they required to have it. This company is rude, unable to communicate via email and antiquated ; I would like my loan to be transferred back to XXXX XXXX XXXX asap before I am charged more in late fees that I 'm not responsible for. Plus I can not access any of my loan information online.
Consumer complaint received 2022-12-17
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. (PA)

In XX/XX/2022 government/federal agencies over 30 student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over 30 new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over 40 points as result. This isnt fair or just.
Consumer complaint received 2022-12-17
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX reported on XX/XX/XXXX in the amount of {$56.00}, XXXX XXXX XXXX reported on XX/XX/XXXX in the amount of {$65.00} XXXX XXXX XXXX in the amount of {$55.00} reported on XX/XX/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.
Consumer complaint received 2023-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NH)

I purchased a Vanilla Gift Card for {$470.00}. From XXXX on XX/XX/XXXX and the card was missing most of the card number and the strip was damaged so I could not use it. I finally was able to reach a live person on XX/XX/XXXX who said to email copy of receipt, photo of drivers license, and photo of card. I was told takes up to 30 days to get new card. So I called XX/XX/XXXX since no card came. I was told it was sent on XXXX so I should get it. Nothing. I called every week after that. Then I was told to speak to lost card department and they said on XX/XX/XXXX to email the same info I sent on XXXX XXXX Then I waited nothing. Called on XX/XX/XXXX and they said to email photos again. Now its XXXX XXXX and still nothing.
Consumer complaint received 2023-06-24
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. (AL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2018-10-04
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. (IL)

I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-17
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. (SC)

Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (VA)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX XXXX ( Account number XXXX, Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX ( Account number XXXX, Opened XXXX XXXX, XXXX, Credit limit {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$980.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a 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 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : XXXX  open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have 2 different social security numbers being reported on my Experian report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Consumer complaint received 2022-04-15
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 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 2022-12-17
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 have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt XXXX5usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2022-12-17
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 have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

On XX/XX/ I contacted Experian to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the experian representative that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representative told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representative that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representative by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representative made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed these negative items and inquires multiple times. The information is incorrect and not accurate. The dates open and amount are different. All three Bureaus are reporting different information. I contacted the creditors several times. My personal information I provided did not match.