davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (KY)

My vehicle has been paid for since XX/XX/XXXX. I sent Huntington National Bank a letter asking for my lien release in XX/XX/XXXX because the vehicle was wrecked and listed as total loss. I haven't gotten anything. I filed a complaint with XXXX  Ohio on XX/XX/XXXX and the complaint was closed because Huntington said they addressed the issue. I got a message on my home phone to call  XXXX @ XXXX. I've called him back several times and left messages with my cell number. Never got any return calls.
Consumer complaint received 2023-11-29
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$730.00}XX/XX/XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance XXXX : {$0.00}
Consumer complaint received 2021-09-07
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. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. IT HAS BEEN MORE THAN 120 DAYS SINCE MY DISPUTE. PURSUANT TO 15 USC 1681, IT IS NOW MY LEGAL RIGHT TO HAVE THESE ACCOUNTS REMOVED. ALSO, ACCORDING TO 15 USC 1681b ( a ) ( c ) ( 2 ), THAT THEY NEED TO FURNISH IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY (IL)

Today is XXXX 2020.i have a XXXX XXXX prepaid American Express card.i was suppose to have had my refund advance put on this card today.so i waited 2hrs for an  email saying my funds was deposited.that never happened.so i called the card and it said my account was suspended .i didnt get an email til after i called the card.i talk to someone and she said my card overdrafted on XX/XX/XXXX due to a purchase that i made XXXXthats a  prepaid card how is that possible.that was not my fault.i have XXXX kids and i need my money.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.u. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1681 C. ( 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 than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2020-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I found out I had a collections with Kohls a few years ago without any knowledge of charges that was made. I previously had a kohls account that I didnt use and believe was canceled. I told Kohls I was unaware of the charges, paid it and made sure it was canceled. Later on I found out on a free credit report that the delinquency dates was showing someone was making payments to a balance I didnt know about. I called Kohls and told them it wasnt me and they provided personal information that wasnt mine. After updating my information I told them I had a Kohls card once and I didnt make those payments or charges. They told me to file a dispute with the credit reporting agency. Kohls then supported their false report. I paid for a 3 credit report app. And found out that Kohls had more then one account in my name and didnt tell me about it. I then filed another dispute saying the account was falsely put in my name. Kohls again supported their false report.
Consumer complaint received 2024-02-23
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. (GA)

XXXX XXXX XXXX XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed numerous disputes with Transunion Credit Reporting Agency since XX/XX/2022 to remove this Bankruptcy # XXXX off my credit report it does not belong to me it is not in my name and it has been removed off of XXXX and XXXX. They are violating my consumer rights under the Fair credit act code 15 USC 1692 ( a ).
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (OK)

Jefferson Capital System. I have disputed with XXXX multiple times now on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They investigated and found my information to be accurate and have deleted the account but it somehow ends up back on my credit. This company is fraudulently reopening this account and reporting it as opened on XX/XX/XXXX with the current account status as open. This account was CLOSED in late XXXX. I demand this be resolved immediately or I will be pursuing legal action.
Consumer complaint received 2024-06-04
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account nameXXXX XXXX open XXXX # XXXX {$260.00}, Account name XXXX XXXX on XXXX {$25000.00} # XXXX, Account name XXXX XXXX XXXX XXXX ON XXXX {$110.00} # XXXX, Account name XXXX XXXX XXXX open on XXXX {$200.00} # XXXX, XXXX XXXX {$12000.00} # XXXX open on XXXX has violated my rights. 

I looked at my credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX BANKXXXXYour company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( XXXX ) EXCLUSIONS -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-02-23
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2020-01-03
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

A company called Sequium asset solutionsXXXX XXXX XXXX, XXXX GA XXXX is acting as collections for XXXX XXXX XXXX phone. 
Both XXXX XXXX XXXX and this company mistakenly tried to bill me for this debt. 
I submitted to both companies copies of all canceled payment checks and proof of invalid charges. 

I have tried to clear this matter up by communicating with this company for over a year! 

This company has yet to provide me with any form of documentation what so ever and they refuse to communicate with me even though I submitted payment proof via certified mail. ( Actually the issue was that XXXX XXXX XXXX continued to bill me after service had been canceled so there was truely never a debt that I paid but a billing issue that was late in being corrected ) They act as though because they send me a bill that makes it valid. 
I am sick of the abuse and I have requested on 3 separate occasions that they remove this inaccurate information from my credit report but like i previously stated, they are silent in and response. 
See credit report record # XXXX Their listed phone # XXXX
Consumer complaint received 2023-05-15
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. (TX)

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
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 hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past 90 days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, FEDLOAN is reporting numerous accounts in my name as 120 days late. I have contacted FEDLOAN numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX ), and they refuse to delete the item because FEDLOAN responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2020-01-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (AL)

Had an XXXX with XXXX financing back in XXXX. XXXX got repossessed and was told they would auction it off and if it sold for what I owed I would be clear. Havent heard anything since XXXX and in XXXX of XXXX theyve randomly started reporting on my credit that it is a charge off account and it has shot my credit. Confused as to why I never received anything through the mail about this years ago for them to all at once report this to my credit.
Consumer complaint received 2020-01-10
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. (NY)

I am filing this complaint because XXXX, TransUnion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.