davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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. 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 name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : DEPT OF EDUCATIONXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : US DEPT OF ED/XXXX  XXXX XXXX ACCOUNT NAME : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} OAG CHILD SU XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$4600.00}
Consumer complaint received 2023-05-02
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. (NC)

I appreciate your assistance in removing some fraudulently obtained information from my credit report, however, there is still information that has been forwarded to me that needs to be deleted or blocked. According to FCRA section 605, credit bureaus are required to delete any records listed on an ID THEFT REPORT. I am including this item again since I proactively remembered it from an earlier correspondence. My attorney is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Still cant log into my account. All Transunion did to " fix '' the problem was send me my credit report. Thats not what i wanted.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the several numerous attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open accounts. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$510.00}.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 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: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). 
Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking a specified remedy and making the following demands : XXXX XXXX XXXX  reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is my FTC report since this is considered fraud and is against the law Ignoring this XXXX and XXXX will be evidence that the infringements were willing, deceptive, and in violation of the FCRA
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coinbase, Inc. (MD)

Case # XXXX with Coinbase.com On XXXX 2020 I made a deposit on Coinbase of {$250.00}, I forgot that they dont immediately receive funds and I spent money and didnt have enough to pay Coinbase when they tried to take the payment. This cause my account to go into recovery mode. In recovery mode I was told to make a payment or they would take the balance I had in my account. So I made the payment of {$250.00} when I had enough money. 

Once I made the payment my account was unlocked, but I had LOST {$250.00} from my balance so I payed a total of {$500.00} but only had {$250.00} available. I called customer support and there is no phone number so they only respond after you submit a ticket, I received generic answers A few days after which were very frustrating. I dont know what to do and this has happened before with a smaller amount which I need to track down, but Coinbase definitely owes me money. I need help.
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I've called this people and asked for original documentation to request debt validation and a verification letter confirming the details of this debt and the girl put me on long numerous holds then eventually never came back to the phone. I hung up. Now, I'm complaining here.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

Incorrect Derogatory Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

IC System is now knowingly, willfully, and recklessly violating my FCRA rights by reporting an incorrect, invalid debt and collection account. The information reported is derogatory, and affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, IC System refuses to remove it as evidenced by the documents included in this complaint. 

USPS Certified Signature Required Letter : XXXX, USPS reports " Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX  XXXX, MN XXXX to IC SYSTEMS MISC. The item was signed for by XXXX XXXX. '' Document received XX/XX/2020 USPS regular mail in response from IC System dated XX/XX/2020 labeled " ACCOUNT VALIDATION '' does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. This is not my debt. IC Systems is incorrect in it's reporting of this adverse information.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (LA)

Ive had my car for 3 or more years and Im still owing over 15,000 on it. Ive tried several times to get my payment lowered because of my inability to pay so much and me not wanting to fall so far behind on payments and all they would do is give me extensions that would add more interest and prolong my loan. I am struggling and they offer no help whatsoever.
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America to apply for a mortgage pre-approval. I provided all the necessary documents and there was a hard check on my credit score, but even after changing my bank agent one time and contacting the bank multiple times, I never hear a response back. Eventually my mortgage application vanished from my online banking account without me receiving any response. I recently contacted the bank about it and was told that the application was too old and I had to reapply.
Consumer complaint received 2023-08-13
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: American Credit Acceptance, LLC (UT)

Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX AUTO XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCEPT XXXX. XXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cloud Willis & Ellis, LLC (FL)

On XX/XX/2023, I received a collection letter from Cloud Willis & Ellis , LLC claiming I owe {$330.00} to a XXXX XXXX accnt # XXXX. Although I only received it today, the letter provides only XXXXour ( 4 ) days for me to dispute the debt. The letter is not postmarked however, I have provided proof of receipt through USPS Mail. I signed up on an electronic USPS dashboard which documents mail I am to receive. I am responding to the company at the same time electronically however, the lack of dispute time is concerning as I believe they are supposed to provide thirty ( 30 days ). A lack of postmark on the exterior of the letter suggests a lack of accountability since it makes it hard for a mail recipient to prove when it was mailed.
Consumer complaint received 2024-03-21
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. (NY)

I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I've maintained timely payments on this account, ensuring they are never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections are necessary.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.