davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (MA)

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 XXXX # XXXX, 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 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 2023-03-08
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. (NJ)

Equifax is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent Equifax written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. Also, I have sent a copy from the small claims court in XXXX  that the account does not belong to me. 
My rights under 15 U.S.C. 1681b. This law prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2023-03-07
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. (FL)

XXXX USING XXXX5 USC 1681A2 I didn't give written permission to have those accounts furnished on my report. 

Account name XXXX XXXX XXXX ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX CLOSED ACCOUNTS I NEVER OPEN OR APPLY FOR. 
XXXX. XXXX XXXX XXXX XXXXXXXX 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. XXXXXXXX XXXX AND THERE IS XXXX INQUIRIES THAT I NEVER EVER RUN MY CREDIT FOR ANYTHING BECAUSE I KNOW MY CREDIT IS BUILDING NOW. 

AND THERE IS XXXX HARD INQUIRIES THAT I NEVER EVER PULL OR RUN MY CREDIT. 

EXPERIAN. 
ALL THIS ACCOUNTS SAY CLOSE I NEVER OPEN ACCOUNT WITH THIS BANK. 
XXXX XXXX. 
XXXX XXXX. 
XXXX. 
XXXX XXXX 
XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THIS ACCOUNTS I EVER OWN IN MY LIVE. 

HARD INQUIRIES XXXX THAT I NEVER APPLY FOR AT ANYTIME.
Consumer complaint received 2023-03-07
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)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between a corporation and an individual the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. Please delete pursuant to the law mentioned in the above sentence all late payments, and/or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2023-03-07
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. (NC)

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 2023-03-07
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-31
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)

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. 

has violated my rights. Or a list of inquiries : 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 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX  XXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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)

I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items no later than 4 business days. I'm submitting my compliant today in order to get this matter taken care of asap
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

When I sent a complaint dated XX/XX/2023, I complaint against these accounts : XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$42000.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$45000.00} It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof. I included these accounts in my last COMPLAINT and I hope that the accounts ' erroneous status will be fixed. Consider this as a follow-up complaint in line with my previous endeavor.
Consumer complaint received 2019-09-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IA)

I have a VA loan. Has changed holders 3-4 times in the year we have had it. 
During the last transfer there was a lost payment. 
The company PHH mortgage withdrew the XXXX 2019 payment on XX/XX/XXXX. 
The loan was transferred to the new company XXXX XXXX around XX/XX/XXXX or so The XXXX payment has not been credited yet I have called PHH three times. During each call they first tell me that they rejected the payment. Then after conferring with a supervisor they say the payment was sent to the new company They have not provided any documentation supporting this and they tell me they will call me back with information which they have yet to to My account is listed a past due with the new company. I went and paid an extra payment to make my account current but I am still out a full payment.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (KY)

Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

Its been 30 days I havent received any help have tried to contact a variety of ways if the CFPB can not help me I will have to contact the attorney general or someone of higher ranking I put a dispute in last time and it never showed up even when I got a confirmation number. As for Equifax I need them to merge my files XXXX must have created another file instead of posting the line on my existing file. I need it reported.
Consumer complaint received 2023-08-07
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. (FL)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-17
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-30
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. (GA)

in accordance with the Fair Credit Reporting Act the accounts below have 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-10-30
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. (IL)

Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-30
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)

Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, XXXX XXXX