davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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: CREDIT ACCEPTANCE CORPORATION (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose
Consumer complaint received 2020-02-12
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. (NJ)

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2016-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northwest Collectors Inc. (IL)

The XXXX XXXX billed the wrong insurance company in my medical file the collection went to Northwest collectors. I called them numerous of times and the XXXX company sent them a statement for them to remove it, they refuse to do so.and they are rude and nasty and hang up in my face. I want them to pay me for pain and suffering and also for hurting my credit.
Consumer complaint received 2022-05-20
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. (OR)

On three different occasions, someone was able to get into my Experian.com account without using a password and applied to multiple loans and credit card companies. There is a weakness with Experian 's website where, if you know enough information about another person, you can " snag '' their account and claim it as your own. I know this works, because the three times that I got notification that my Experian.com account 's email address was changed, I was able to go in the same way the identity theft person was, and without using my email address/login OR password, claim my account back. 

This is a security issue with Experian 's website, but they refuse to acknowledge it. My account was compromised by this method THREE TIMES, and two of those times the hacker/thief unlocked my locked credit. The only way that I could get Experian to stop this from happening was to fax them a copy of my information and told them to absolutely NOT allow online access anymore. 

I have accounts that were tried to be opened at two different financial organizations ( XXXX XXXX XXXX XXXX by a hacker using my stolen account from Experian. I tried to alert Experian, however, they do NOT allow anyone to talk to a person on the phone and when I reached out via XXXX, they were less than helpful.
Consumer complaint received 2022-05-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

in accordance with the fair credit reporting act Bank of America - XXXX, XXXX 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 a 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 any purpose.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
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: Diversified Adjustment Service, Inc. (GA)

I retrieved a copy of my credit report and immediately noted that Diversified Adjustment had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, Diversified did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification Diversified received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. Diversified did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants Diversified Adjustment to delete this entry. 

My continued efforts to remove this entry from my reports was through with a direct dispute to the company. Diversified responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. Diversified did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Georgia. Diversified did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. Diversified blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and Diversified Adjustment should remunerate me for the violations.
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (OK)

Navient was satisfied in full and paid timely. However, currently reporting five-30 day late payments. spoke to a rep that confirmed that this should not be the case. apparently, their was some inaccurate XXXX dollar charge.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2022-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

PLEASE BE ADVISED, IVE BEEN A VICTIM OF IDENTITY THEFT. ABILITY RECOVERY SERVICE HAS CALLED MY PHONE MULTIPLE OVER THE LAST MONTH.. DURNING THOSE PHONE CALLS IDISPUTED THE DEBT THEY SAYI OWE. I TOLD THEM I LIVE IN XXXX AND THAT BILL WASN'T MINE. I ASKED THEM TO SEND THE INFORMATION TO THE ADDRESS ON FILE BEING THAT THIS ISN'T MY BILL. NOTHING WAS EVER SENT TO ME. FCRA REQURES 5A 5 DAY NOTICE WHICH I DIDNT RECEIVE. I JUST SEEN THE FRAUDLENT ACCOUT ON MY CREDIT REPORT AND IT NEEDS TO BE REMOVED.
Consumer complaint received 2022-05-20
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. (LA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : PROFESSIONAL XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NV)

Requested an investigation regarding the incompleteness and accuracy of XXXX. Equifax has continuesly reported infomation that is incomplete and inaccurate. The account was opened in XX/XX/XXXX, The credit report shows missing payments from ; XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX This is a clear violation under FCRA sec 623, all information must be complete accurate and verifiable.
Consumer complaint received 2022-05-20
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. (LA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-20
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. (LA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} CREDIT XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : PROFESSIONAL XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC (NJ)

XX/XX/XXXX, a property in XXXX, XXXX was purchased using my credentials. When I learned of this, I immediately discovered all pertinent information about and had a police report taken in my township of XXXX XXXX, XXXX. Local police forwarded the matter to the FBI in XXXX and then they forwarded that to the White Collar Division of the FBI in XXXX. Many debts appeared from this fraudulent address of XXXX XXXX XXXX, XXXX, XXXX and all other matters were discharged ( I even sued a bank and credit reporting agency successfully since XXXX bank sold mortgage to a XXXX bank after I disputed the transaction ). Also, other debts using a false XXXX State Driver 's license were also undertaken, but all were successfully mitigated. Now, I 'm still getting harassed every few years over a XXXX XXXX for the same address. Dynamic Recovery Solutions calls me continually on my work cell phone ( a State of XXXX owned phone number for the record ) and my home phone number. I sent them a cease and desist letter on XX/XX/XXXX which USPS says was delivered to them on XX/XX/XXXX. I have received 2 calls since that time. Make them stop or I will sue. Since this debt is obviously over 10 years old, they have to stop also. I sent them in a letter to " XXXX '' my name and the phrase " Identity Theft '' to see that this was well published in many newspapers ( I even made the front page of XXXX XXXX ). I was also interview by XXXX XXXX and my situation was seen on XXXX nationally.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc. (NJ)

In XXXX I was an out patient at XXXX XXXX XXXX in XXXX XXXX NJ. I had visited XXXX XXXX XXXX PA on occasion in the past before XXXX. At the time my health care coverage was with XXXX XXXX XXXX however after my XXXX birthday when XXXX became my primary and XXXX XXXX XXXX XXXX unknowingly failed to update my coverage with XXXX XXXX XXXX XXXX Unbeknownst to me the office visit to XXXX XXXX XXXX XXXX unpaid. I DID NOT RECEIVE A BILL for the service and would have taken care of it had I known that it existed. I became aware of the unpaid bill when checking my XXXX Credit Report in XXXX. I never received any notification from XXXX XXXX XXXX nor from the collection company identified on my credit report as XXXX XXXX XXXX XXXX I feel that their Practices are Improper and unsavory. I am concerned not only about my situation but other individuals as well. If you look into this matter I believe that you will find that individuals have been victimized by this SCHEME. I have the ability to pay the bill. The bill is for {$120.00}. I should have been notified that it was outstanding and given the opportunity to pay it.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX