davidheineman/consumer-finance-complaints-large huggingface dataset:
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts XXXX XXXX. allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows :
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM I HAD COVID FROM XXXX TO XXXX IN XXXX I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS XXXX  I PAID XXXX ON TIME AND THEN WAS ADMITED INTO ICU FOR COVID THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.
Consumer complaint received 2022-02-06
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (NY)

I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

Yesterday, XX/XX/2022 I received the first notice from a card issued by the bank HSBC. This notice was an issue saying that there was a late payment pending. And that the payment required a {$35.00} minimum payment. This was the first notice issued by the bank including any receipts and debts to be repaid. However, the bank decided to take on legal action ahead of requesting payment. This resulted in a XXXX deduction on my XXXX XXXX. 

These funds have been since paid off in full and would have been if the bank had sent out a regular notice for payment. I'm a citizen of good standing and I have never had a derogatory mark on my credit file. I would have paid this as normal if the bank had sent me a notice or bill.
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: Experian Information Solutions Inc. (TX)

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. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX, Account name : # 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 2022-02-06
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. (NY)

ON MY REPORT IT SHOWS XXXX XXXX AND XX/XX/XXXXXX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this time, I respectfully request a copy of my XX/XX/XXXX, XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2022-02-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (CA)

www.netcredit.com sends me email weekly saying I owe them {$8100.00}. I have asked them to provide proof of the debt. The provided information which was disclosed in several identify thief situation I have been involved for the last 10 years to include Working for the XXXX, data was stolen due to an unsecured computer ( 16 years employed ) XXXX XXXX, XXXX medical records were stolen ( 12 years in the XXXX XXXX ) XXXX lost data. I was with them for 10 years XXXX XXXX XXXX. I work there for 7 years XXXX data breach my credit information was stolen. 

They were not able to provide me with the bank this money was deposited into. 

Please have them stop contacting me regarding this loan as it is not mine. I retired from 35 years of federal service in XX/XX/XXXX. This loan was taken out in XXXX. I had no need for a loan during this time as I was getting a government pension, social security and VA disablity. I also own a XXXX XXXX XXXX
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

Several months ago I received I was put in collection account with credit burros by AWA Adler Wallach Associates Inc located XXXX XXXX XXXX XXXX, XXXX CA XXXX. 
I called Collection agency and asked why are they reporting me since I have not gotten any prior notification from the XXXX or the copy who hired AWA to report me in the collection. 
I was was told that XXXX XXXX is reporting for not having insurance in XXXX. 
I had cancel the insurance with a XXXX in XXXX and wrote to them written cancelation informing them that I am getting new insurance with another company. I also told them verbal that t I no no longer wish to be purchasing insurance from XXXX In XXXX I got new insurance with XXXX XXXX. 

Before canceling with XXXX that I made one payment on XX/XX/XXXX to XXXX  to. 
I contacted AWA Adler Wallach Associates Inc and told them the are reporting me not legally and that t id have insurance with another company and that t was my decision to go with another company and is not prohibited in XXXXnited State of America. 
I have a choice whom I buy insurance on my cars and I can not be forced to have insurance and make the payment to XXXX or reported to collection agency. 

AWA Adler Wallach Associates Inc told me to show the proof of insurance with another of insurance with another company. I went to a XXXX XXXX XXXX and with my private bake send the necessary documents. SEE ATTACHMENT AWA refused to acknowledge this documents and is very aggressive toward me and not willing to remove the fraudulent reporting me to burros that is at thus time costing me hundreds thousand of dollars. 
I contacted XXXX  and spoke with a very friendly person who told me XXXX does not take written but only verbal ones ( I did cancel verbally as well ) and requests of cancelation of the insurance but she told me I am able to cancel it now upon this phone call ( XXXX XX/XX/XXXX, to sent to her proof of insurance. 
The reprehensive from XXXX vas an extremally helpful and polite. I did sent t her proof of my insurance during them the money XXXX  claim I am owe them money. Further to my pleasant surprise I received an email from XXXX  a confirmation of our conversation and the address where I must sent proof of insurance from another company. 
SEE ATTACHEMTS
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2022-02-06
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: Santander Consumer USA Holdings Inc. (NY)

Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander has agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX- XX/XX/XXXX. I would also like to add that they are reporting incorrect information on all three credit bureaus preventing me from opening new accounts and purchasing another vehicle. 

I demand that this account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

SYNCHRONY FINANCIAL I DID NOT APPLY FOR THIS LOW LEVEL NONSENSE I DID NOT APPLY FOR SYNCRONY IN MY LIFE THEY ARE KNOWN FOR SCAMMING FOLKS WITH BAD CREEDIT I DID NOT HAVE BAD CREDIT AT ANY POINT AND LASTLY I HAVE ONLY EVER APPLIED FOR MY HOUSE AND MY XXXX  XXXX AND THATS THAT I WANT THIS INQUIRY REMOVED NOW THIS INQUIRY IS FRAUDULENT AND NOT MINE, AND IF YOU SAY ITS MINE I WANT CONCRETE PROOF BY FCRA GUIDELINES THAT PROVE THIS WAS ME IN WRITING WITH PURE PROOF THAT THIS WAS WIHTOUT ANY UNREASONABLE DOUBT ME THAT APPLIED FOR THIS ACCOUNT OR NONSENSE I FNOT REMOVE THE INQUIRY OR I WILL SUE YOU FOR SLANDER, FRAUD AND INVOLVE THE ATTORNEY GENERAL AND TRADE COOMMISSION AND I AM NOT KIDDING HOW DARE YOU TAINT MY REPORT WIHT XXXX XXXX
Consumer complaint received 2024-02-27
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. (GA)

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  : Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX : XXXX XXXX XXXXt : Acct # XXXX. ALL 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 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) States : 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 2023-01-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kitch Acceptance Corp. (IN)

I bought a vehicle in 2021. I put just over 5000 miles on it and the transmission went out. I let the bank have the car back willingly due to this. They took me to court however committed perjury when they filed. They never sent me anything in the mail like they claimed. The only notice of court I got was a paper found in my driveway like they just threw it XXXX the ground like they were hoping I wouldn't notice it. I did inform the court of this and was told that no actions were being taken against them for the perjury or negligence. They were ordered garnishment and the only funds I have in my bank are from my XXXX on a hardship withdraw because we were trying to buy a house and that fell threw now I'm trying to come up with the rest of the funds to get a different place. The attorney they hired actually has his own office in the bank. XXXX reviews will also show several people who have dealt with fraudulent activity from this place.
Consumer complaint received 2024-02-27
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. (CT)

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

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-17
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. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX. 

Account # XXXX XXXX XXXX. 
Account # XXXX Account XXXX XXXXUS.dept of edXXXX Account # XXXXUS.Dept of Ed/XXXX Account # XXXX. Dept of ED/XXXX Account # XXXX Account # XXXX collection service-XXXX Account # XXXXXXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX
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: Experian Information Solutions Inc. (DC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2021-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

This is not a duplicate. The is the 7th and final complaint. None of the information was ever provided to me as stated previously, and after the last complaint it was supposed to be mailed again. I received a letter that stated an error did occur, but the amount of the dispute and the amount of the credit on the paperwork do not match at all. I will attach that. And also if you will look back into these complaints you will see that the dates do not match with the " evidence '. Prime example is that on the complaint dated for XX/XX/XXXX you will notice in the notes that the representative stated that the documentation was received from the company validating the charges on XX/XX/XXXX, however by that date they had already reversed the temporary credit that was on my account. So why was the credit reversed before any information was obtained to deny it? I am sending this to the Oklahoma Attorney Generals office for further assistance.
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: Experian Information Solutions Inc. (VA)

In accordance with 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 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.