davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, 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.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/XXXX  Account # 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 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)

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.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF EDXXXX Account # 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 2024-02-18
Product: Credit reporting 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. (IN)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX/XXXX  ( XX/XX/2022 )
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also have some inquiries on my report that I didn't authorized and unaware of. 

Experian : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date Oct XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance One, Inc. (CA)

The company called me today. I called them back to see what they wanted. They demanded my social security number first thing, and when I asked if we could continue without me divulging that information they hung up. Sounds like a scam. I thought to myself, so I called them back and got the name of their company for this complaint.
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: Experian Information Solutions Inc. (OH)

Experian credit reporting agency is in violation of reporting information about an account I did not give written consent to report. 

Their company is in clear violation of the law. Under 15 USC SS 1681B -permissible purpose of consumer reports THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

( 2 ) In accordance with the written instruction of the consumer to whom it relates I did not give them written instructions to furnish this on my credit report. 

, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction Exclusions from a consumer credit report clearly states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (GA)

I disputed a Fraudulent collection account from a company named XXXX XXXX XXXX ACCOUNT # XXXX that was sent out on XX/XX/2022 via certified mail and was received on XX/XX/2022. I was informed to even fax over a dispute as well after speaking to the consumer affairs department. In which I did so as well and under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, " NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY. '' I have filed an FTC report as well as all other required documents, as advised by the Consumer Affairs Department. When I call they keep giving me the run around and stated that they have their own rules to abide by and that they are sorry ..... This is not helping my Fraud Issue at all, and they are clearly IN VIOLATION OF MY CONSUMER RIGHTS AND IN VIOLATION OF THE LAW. IT HAS BEEN PAST THE REQUIRED TIME AS STATED BY THE FCRA AND THIS FRAUDULENT ITEM STILL REMAINS. I even did research on the company thru the XXXX  and they have thousands of complaints relating to their fraudulent activities!
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: Experian Information Solutions Inc. (FL)

Hi, I XXXX XXXX have been dealing with an issue with Experian over the past XXXX months in which they have claimed to have received my FTC Report in XXXX meanwhile it is XXXX. They are including XXXX XXXX XXXX XXXX XXXX XXXX that is attached to several delinquencies on my credit report in which these accounts do not belong to me or pertain to me in which also the po box doesn't and it isn't registered in my name. I live in XXXX and the po box is located in XXXX XXXX and I have called Experian countless times and spoke with multiple representatives. Recently, I spoke with XXXX in the specialized disputes department with Experian and he stated over the phone that this would be taken care of and that the po box would be deleted as this is not a residence. However, the po box still remains on my report which is a violation of multiple 15 USC Laws and FCRA violations. A company by-law can not hold a address against me that I do not own and currently don't reside. Not only this but they are soliciting wrongful and incorrect information pertaining to XXXX XXXX and XXXX for accounts that I never had.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC. (FL)

I am a XXXX XXXX, with Third party Authorization to help a client who initiated a wire to our escrow account for a real estate transaction in which he was purchasing a new property. He initiated the wire with AXOS BANK on XX/XX/2022, the bank failed to send the wire. The Customer has called several times, over the last three days on three way calls with Myself, the title company and a bank representative, we have worked to try and figure out why they have not sent the funds that were requested via their wire request form that they provide for outgoing wire requests, each time we were given a different story but were promised each time that they would send the funds and that it would be initiated as soon as we got off the phone. It is now XX/XX/XXXX, I have spoken with a business banker today that gave me a case number and assured the money would be wired today, but it has not been wired. At this point my customer is in default on his contract to purchase property, the seller of the property is still waiting on his proceeds and the bank is completely in default. The wire amount is for just over a XXXX XXXX XXXXXXXX dollars and never in all of my years as a title agent have i ever seen a bank do this. I am not sure how AXOS BANK is still in business, as i have seen SEVERAL other complaints about them on the XXXX XXXX XXXX XXXX website. 
Can you help? It's not right.
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # 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 an 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. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " XXXX XXXX '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MN)

Using a crypto wallet called XXXX ( based on Crypto.com ) I purchased XXXX dollars of XXXX and was attempting to send it to another wallet, after it said it successfully processed my transaction I attempted to deposit it into the wallet which failed multiple times, I have attempted to contact support multiple times and they will not contact me back. 

Its been several days of attempts with no luck, I have not gotten any emails or chat replies back from support and have no way of knowing how else to contact them. 

Date of transfer XX/XX/2022 XXXX
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (AR)

On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.
Consumer complaint received 2022-06-03
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: The CMI Group, Inc. (CA)

On XX/XX/XXXX Credit Management posted a collection on my credit report that I asked for proof of prior to them placing it onto my credit report. I am unaware of this debt of {$930.00} and my research shows that it is out of state. They have not provided any legal documentation that supports that they have the right to collect and that this is a debt of mine such as legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. This company has failed to respond with any information which is against the law and violates my rights. I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
Consumer complaint received 2023-03-14
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: Kikoff Inc. (VA)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I need my information Updated because the inaccurate address is sending my mail the wrong address. Also, my name is not fully spelled in my middle name. All proofs have been submitted. And I need my job added on my credit and finally I need my phone number updated these this have to be updated by my rights through the fair credit act...
Consumer complaint received 2023-06-24
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. (OK)

Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called Transunion to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of XXXX, using the email of XXXX XXXX, called in reference to the dispute that I had filed with Transunion. I verified that it was not my account and that they had the wrong phone number and email. XXXX emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from Transunion that XXXX had verified the account WAS MINE and ACCURATE. 

I called both Transunion and XXXX to no avail but that I needed to file a police report and file a report with you.
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # 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 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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (FL)

My XXXX loan with XXXX XXXX XXXX is reporting twice on XXXX and Experian. It is showing that they have opened a new account for an XXXX XXXX and Ive had this car since XX/XX/2019. When I reached out they asked me to speak with a department that has nothing to do with the reason my car loan is showing twice. This has caused my credit score to drop significantly and being that its showing XXXX in auto loan debt its interfering with my income to debt ratio.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX, Equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-18
Product: Credit reporting 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. (MD)

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 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 entitiesinvolved.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IN)

I was sued by XXXX and XXXX is XXXX for a debt to XXXX XXXX XXXX for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.