davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : inquires not mine XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid , Closed XXXX 

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} Status Collection account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$570.00} Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Collection account. {$360.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$18000.00} XXXX Account charged off.
Consumer complaint received 2021-06-14
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. (AL)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX 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 an 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 aggregates 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 2021-06-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CO)

I had a lot of trouble with US Bank ReliaCard. My card and all of my personal information associated with the card were compromised on XX/XX/XXXX. After alerting US Bank ReliaCard services about the security breach, my card was locked, and it had been a nightmare trying to get restore my personal information and unlock my ReliaCard. To date, we are still disputing several fraudulent charges and waiting for resolution to unlock the card.The bank has asked me to fax them VERY sensitive personal information, a handwritten note about restoring my personal identity, along with photocopies of personal ID. I have provided everything as requested, both with my driver 's license for the first fax ( sent on XX/XX/XXXX XXXX, and a passport for my second fax per their request ( sent on XX/XX/XXXX ), and they still have not done anything to resolve my issue. We are racking up on our credit card debt to cover the cost, and I am also deeply concerned about my personal information. Out of fear, I started to pay out of pocket to monitor my identity and credit activities due to distrust of US Bank 's security system and their handling of my personal information. Right now, our family have no access to thousands of dollars of my unemployment fund. I sit on the phone for hours every day and US Bank ReliaCard has done nothing to help me resolve issues. I appreciate your advocacy for all of us who are struggling during this difficult time. 

Thank you.
Consumer complaint received 2022-09-26
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. (SC)

I have sent letters to several letters to TransUnion asking them how they verified this bankruptcy as accurate when the courts do not communicate with the credit bureaus. Even with this information, TransUnion has continued to report this bankruptcy on my credit report. 
Please delete this bankruptcy from my credit profile immediately.
Consumer complaint received 2022-07-06
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)

Experian : an investigation from XXXX through the CFPB portal response is states there investigation in to XXXX XXXX XXXX { THIS ITEM HAS BEEN DELTED you are still reporting this account on your credit report. you receive the same information as did XXXX did, enclosed is XXXX company response
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

From last three months American Express is playing games with me, American Express or Amex is rejecting all the disputes I am filing left and right. 

But I was shocked about the recent American express dispute I filed in the month of XXXX for {$430.00} of XXXX XXXX in XXXX XXXX, XXXX, the investigation took over a month and i was finally given a permanent credit on XX/XX/2021 of {$430.00} on XX/XX/2021. 

Now I received an email yesterday that again I will be charged {$430.00} in my Account. 

What happened to American express I want to ask? Their service has gone to the doldrums. 

My next step would be to go to court regarding this.
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Integrated Asset Recovery LLC (MN)

A lien was placed on my property after a XXXX Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was XXXX a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.
Consumer complaint received 2022-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

CAPITAL ONE BANK USA NXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Hi, I have been trying to get in touch with equifax for over a month with access to my account so I can submit a dispute. For some reason, my account can not submit disputes. 



I have called weekly since XX/XX/24, and I am told there is nothing they can do to fix my account. I have my ticket # which should be resolved, but it is not.
Consumer complaint received 2019-08-01
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. (NJ)

Electronic - XXXX verification XXXX XXXX account number:XXXX {$2100.00} In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my report.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX XXXX Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXXXXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the XXXX court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX XXXX Court, or XXXX XXXX XXXX should resolve this matter. I checked Experian, XXXX, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.
Consumer complaint received 2022-07-07
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 resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX XXXX Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the XXXX showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXXXXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the XXXX court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX XXXX Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, XXXX, and Transunion, and the judgment is not listed on it. This must be on a third-party tenant database.
Consumer complaint received 2022-09-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

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. has violated my rights. 

( 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  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 2022-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (VA)

Ok I call the ability recovery service to talk about paying the payment but I wanted to know what the payment was for, the guy had a attitude and really did not give me much info and I wanted to know what the payment was for before paying it, XXXX is a lot of money to send to a debt collector without checking first who billing me, the guy gave me alot of attitude after asking and even threaten me by saying he would ban my number from calling them, I even asked for supervisor and told me there no supervisor there and he could not help me at all and then hung up the phone and now I am ban from calling this debt collector phone number ( XXXX ) and now this debt is sitting on my credit report and I dont know who put it in and I even called the place that is showed as the ordinary creditor ( XXXX XXXX XXXX XXXX in the credit report and they said there no billing thru there department as far as they know of, so now I wondering what to do since now I cant call them and figure this out since now my number is block from them, I need help figuring it out because I am lost in what to do now!
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

Hello there is two auto loans Ive been fighting to remove off my credit report for 4 plus months now. I know by law after 30 days with no verification the accounts are suppose to be remove off credit report! I know my rights! I have yet to receive a response from these two fraudulent companys about these auto loans. Please remove them!
Consumer complaint received 2021-06-14
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: CBC Companies, Inc. (IL)

The response from XXXX  XXXX XXXX is false. XXXX  stated several times that they never received any response from XXXX XXXX XXXX or FACTUAL DATA to remove this Hard Inquiry from my credit report that was requested by XXXX XXXX in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from XXXX XXXX XXXX or FACTUAL DATA. 
I have also Been Harassed by XXXX XXXX with Text messages and repeated Phone calls all different times of the day and night. This company XXXX XXXX has harassed me and damaged my Credit report regarding a loan I did not authorized or request. XXXX XXXX has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against XXXX XXXX. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX  XXXX Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXX via FACTUAL DATA is still in my XXXX  credit report. I was informed in the attached letter from XXXX  XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX  credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2022-03-22
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. (WA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-02-14
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX/XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}