davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

( XXXX XXXX - Account # XXXX ) I am writing this letter in regards to the account referenced above that is being listed on my credit report by EXPERIAN. This account has not been properly verified and as you know failureto comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

For obvious reasons, I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I demand that this account be removed off of my credit profile immediately. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2022-10-03
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. (MO)

It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XX/XX/XXXX I sent a letter to snap on to validate a debt they are reporting on my credit. I sent the letter to the address that they provided to the credit reporting agencies, and the letter was returned for insufficient address. The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. 
I sent all three Credit reporting agencies a letter and proof that the letter was returned and they took zero action and it's still reporting on my credit report. This is a huge FCRA violation and this account needs to be removed. 

Ive included all letters written including the letter that was returned for the second time In XX/XX/XXXX.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems is furnishing a charge-off account on my consumer report. This is in violation of 15 USC 1692d ( 4 ). You are willingly and knowingly trying to coerce me into making a payment. You are engaging in unlawful extortionate activities that I do not appreciate.

Has Transworld Systems filed a 1099c on behalf of this account?

I am requesting you provide copy of the trilateral contract.
Consumer complaint received 2023-02-28
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. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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 2023-11-28
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. (TX)

I am writing to express my urgent concern and frustration regarding the persistent inaccuracies on my credit report, specifically a late open account, despite numerous attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. 

Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. 

I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account. 

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. 

Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

Paypal has locked my account under login ID : - XXXX and there on the account i do have Paypal credit and paypal master card which stands inaccessible. so either paypal needs to go ahead an initiate a closure of both these stated accounts and confirm back. Ofcourse i don't want to continue using the paypal account for that " Still not justified '' negative balance which was on the account before it was locked. Bottom line- I want paypal to close the Credit and Credit card account and get a closure confirmation. Thank you good bye paypal.
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a voicemail on XX/XX/18 by a Bank of America phone rep. They did not leave a name or phone number/extension to contact. I have been receiving calls from phone # XXXX however no voice messages were ever left. When I call the number back it takes me to the call center and no one seems to know why I was called. 

When I finally reached someone on XX/XX/18 who directed me to the car loan department the rep ( XXXX XXXX or XXXX ) stated my car was out for repossession. And I requested to talk to a manager to try to get resolved today they stated 24-72 hours it would take for call back. The rep stated nothing he can do and I need to go into a financial center to try to make payment. He could not make payment arrangements or anything. Then stated once I make payment at the Financial Center then I need to call XXXX when I am there to ensure they have payment.
Consumer complaint received 2023-02-28
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. (IN)

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 Account # XXXX, Account name : XXXX Account # XXXX, Account name : 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 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 2023-06-11
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: Monterey Financial Services LLC (TN)

YESTERDAY, Monterey Financial Services LLC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX ( XXXX ) XXXX, A COLLECTION COMPANY, ILLEGALLY SUBMITTED TO MY BANK TO WITHDRAW FUNDS THROUGH A MONTHLY DEBIT CARD PAYMENT WITHOUT MY KNOWLEDGE AND AUTHORIZATION FOR AN ACCOUNT I DO NOT HAVE AND HAVE NOT AUTHORIZED. 

I DON'T KNOW HOW THEY GOT MY BANK DEBIT CARD ACCOUNT INFORMATION, BUT THIS IS UNACCEPTABLE, UNPROFESSIONAL FRAUD AND THE COMPANY SHOULD BE CHARGED ACCORDINGLY AND ALL THREE OF MY CREDIT REPORTS BE UPDATED TO REMOVE THIS ACCOUNT ACTIVITY IMMEDIATELY PLEASE. I HAVE BEGUN THE DISPUTE PROCESS WITH MY BANK. I ALSO SUBMITTED A COMPLAINT TO THE XXXX XXXX XXXXXXXX IN THE STATE OF THE COLLECTION COMPANY. PLEASE HELP. THANKS.
Consumer complaint received 2023-02-28
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting 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)

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, XXXX and XXXX are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. XXXX and XXXX are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-02-28
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-28
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-28
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-28
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. (OR)

I would like to report all 3 credit reporting agencies of which are Experian, XXXX, and XXXX, for violating my rights as a consumer under the law 15 U.S. Code 1681- Congressional findings and statement of purpose. I disputed that the accounts XXXX, XXXX, XXXX, XXXX, were all inaccurate and I wish for that information to be verified via XXXX a credit builder app I paid for to dispute these accounts. The agencies I named above verified the information as correct and denied me my right to remove them from my account. The information they verified included dates that are inaccurate, or reported multiple different dates among all 3 agencies. Also another account says they received a 1099c and still have a balance owed for me to pay which violates the law and is tax fraud. And another instance is huge discrepancies between the 3 credit bureaus, they all have differences on the same account so I believe I am owed compensation as these account made it impossible for me to get a Credit extended to me for an emergency expense. In result I am in danger of losing my home because I missed payments on my mortgage. I would like them to remove the accounts, and pay me the restitution I deserve which is XXXX for each report being reported inaccurately and the balance of my mortgage thats past due now since they would not extend me credit based upon the inaccurate information they had reported.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

During the pandemic my working hours were shortened and I was eventually laid off< I was unable to pay my rent. After months of searching I found a job out of Town and I was illegally evicted by XXXX XXXX XXXX. I was not offered the housing assistance program by the apartment complex although I was eligible