davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
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. (NV)

In accordance with the Fair Credit Reporting Act, my rights have been violated by XXXX different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX  XXXX Account # XXXX Amount- {$940.00} XXXX XXXX  XXXX Account # XXXX Amount- {$1900.00} XXXX  XXXX  Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX  Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account XXXX XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account XXXX XXXX Amount- {$1200.00} XXXX XXXX XXXX Account XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2022-04-17
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. (WI)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
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. Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
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: MARINER FINANCE, LLC (VA)

I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.
Consumer complaint received 2021-08-25
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-04-17
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. (FL)

In accordance with the Fair Credit RepoXXXX XXXX.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and 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
Consumer complaint received 2022-04-17
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: OneMain Finance Corporation (FL)

i check my credit report and i see unauuthorized inquirys for XXXX  i file a ftc report they still want from them frm my report they are 3 of them 1.XXXX  2.XXXX  XXXX  3.onemain 4.XXXX XXXX XXXX  all dis was not me
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/22 I was duped into issuing a XXXX transfer for XXXX from my Bank of America account. I notified the bank within the hour of the fraud. They investigated and turned down my claim. They stated since I made the transfer there was no error on their part. 
I notified them because there was an error. They should of had enough time to issue a swift recall of the funds that went to XXXX bank.
Consumer complaint received 2022-04-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA ()

On XX/XX/2022 Hyundai MotoXXXX XXXX responded to an compliment I had filed with the XXXX XXXX XXXX, in their response they said and I believe under Oath they had done nothing wrong had explained this to me and that the problem was mine and my fault and they excepted no responsibility. 

Their response was a Lie to your office and I hope your hold them accountable. 

I have an email from there Corporate office that says they did in fact make a mistake with my account and that they fixed the mistake after reviewing my account, Im in the process of filing suite but in the meantime I would like their lie addressed.
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (FL)

back n XXXX  n XXXX  i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap
Consumer complaint received 2022-04-18
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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 Section 2. It also states a consumer reporting agency can not furnish a account without written consent
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

back n XXXX  n XXXX  i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, XXXX hard Inquiries showed up on my credit report so far from someone who has taken my social security number. XXXX was applied for capital One and another for XXXX. So far I only see them as a new inquiry but fear this person is doing more applications under my name to affect my credit. 

Attached are The XXXX hard Inquiries. I have been in touch with capital one so far and am attempting to contact XXXX to get this off my credit report. I had to put a freeze on my credit report to hopefully get them to stop.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

This is a continuation of my most recent complaint I just made this evening as well as Responding to XXXX Letters in regards to my last complaint. 

Now please mind you it's been two years since I last had a complaint. Things were going well, and I was just making my payments. 

XXXX can not leave well enough alone and has to find a way to put a wrench into the gear and create problems. Funny how they have to use a forbearance ploy to up my interest which is another lie, as I was told by their reps that only once a year in XXXX was I to see any increase. 

The plan once again, that I am under is a XXXX XXXX XXXX plan. NOT an extended level plan they speak of. 

Fixed means fixed that is the standard banking term, period. 

I would also like to address my " vulgar and abusive language. '' First of all, I do not work for your company, therefore my behavior can not be construed as " unprofessional, '' Second of all, your employee XXXX # XXXX blatantly lied to my face and said the Department of Education placed my account in Forbearance because I live in a " Disaster Zone. '' Really? And what disaster zone would that be?? 

She could not tell me. 

Your reps with their lies, your ploys to increase monthly payments, toy with those under your thumb, lead to anger and hostility because one can not believe the pile of XXXX that comes out of your representatives mouths. So to the Director of Loan Operations. 

Please cease and desist with your utter lies, and extremely Decitful UNPROFESSIONAL BEHAVIOR and perhaps people and myself would actually have more respect!!! 

You have placed me under such mental anguish that once I receive a letter from you it automatically sends me into a mental tailspin. I am surprised I have not yet had a XXXX XXXX and if I ever do, you will be the cause. 

You treat me with respect then the same will be reciprocated. Otherwise back off. You understand. 

You make any changes to my account without my consent and I will be on you like flypaper. And if you think I am one inkling afraid of you. Guess again.
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TX)

I never received this loan the company showing on my report refused to send me anything verify the validity of the loan or my request for the loan. I have never received any documentation as to anything regarding this and now they are reporting delinquencies on my credit file.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (MS)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XX/XX/2020, XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

When I assessed my credit report via Identity XXXX on XX/XX/22, it was noted that according to Experian, XXXX, and XXXX, the United States Bankruptcy XXXX XXXX XXXX of Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled in XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX in XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

experian has charged me more then XXXX dollars for a credit report I've never been able to see everytime I call the 800 number I get a automated message, and then they hang up my credit card company can't seem to block them and they keep forcing there payment through.
Consumer complaint received 2022-04-18
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 XXXX Account # XXXX .... 
Account # XXXX .... 
Account # XXXX .... 
Account # XXXX ...., violated my rights. 

15 USC 1681 Section 602 A 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 accounts without my written instruction.
Consumer complaint received 2022-04-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc. (GA)

I was enrolled in XXXX university, It turns out it was a fraud, it is not a real school, just a suite of offices, one teacher never even showed on the discussion boards yet gave us all As now, I signed on for a class action lawsuit, they have been trying to get money from me ever since and now have hired Account control technology to extort money from me
Consumer complaint received 2022-04-18
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

When I assessed my credit report via Identity XXXX on XX/XX/22, it was noted that according to XXXX, Equifax, and XXXX, the United States Bankruptcy Court XXXX XXXX of Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Consumer complaint received 2022-04-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

On XX/XX/XXXX I paid {$87000.00} to the US Bank Home Mortgage company for XXXX XXXX XXXX XXXX XXXX Connecticut XXXX, to pay off monthly mortgage payments that were due from XXXX to XX/XX/XXXX. 

Thereafter, I made the following monthly Mortgage payments in the following order : On XX/XX/XXXX, I paid {$1100.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 
On XX/XX/XXXX, I paid {$1000.00}. 

Before I paid {$1100.00} on XX/XX/XXXX as had been ordered by the US Bank Home XXXX XXXX XXXX the company had reported me to the Credit Bureau for late payment for thirty days on XX/XX/XXXX. I have already made seven more payments since when I paid {$87000.00}, ( three payments last year and 4 this year ). 

Sir, since I had already paid for the month of XX/XX/XXXX when I paid a lamp sum of {$87000.00} on XX/XX/XXXX, the payment of the {$1100.00} which I paid on XX/XX/XXXX, was supposed to cover for the month of XX/XX/XXXX. 

Sir, the US Bank Home Mortgage had no right whatsoever XXXX ) to report me to the credit Bureau since the month of XXXX was already covered at the time it made the report to Credit Bureau. 
XXXX ) To lied to the Credit Bureau that I was late one month on XX/XX/XXXX, in its falsified report. 
XXXX ) To grab my XXXX payment I paid on XX/XX/XXXX with the lamp sum of {$87000.00}.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (FL)

Dear Experian in reviewing my credit report from Experian, I found unauthorized account. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following accounts are unauthorized : 1. XXXX XXXX XXXX account number XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( 1 ) promptly delete
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Experian as placed an alert on my account that I never asked them to put, when I initially made a complaint against a credit card company. The alert was placed on my report for a year and I have been unable to open any new credit cards based on this alert. It states that the alert will be removed after 1 year, however it is over a year and the alert remains. I am unable to remove it online or by phone. Only they can do it but they have not.
Consumer complaint received 2022-04-18
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. (VA)

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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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