davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Creditor Name AD ASTRA REC Original Creditor 12 XXXX XXXX 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Consumer complaint received 2018-04-09
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: EQUIFAX, INC. (PA)

I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on my credit report. Over 30 days have passed, and I haven't received a response yet.
Consumer complaint received 2022-06-19
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. (CA)

VIOLATIONS Section 607 ( A ) ( B ) Compliance Procedures : Accuracy of Report Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate of unverifiable information Section 623 ( A ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer reporting agencies THE STATUE OF LIMITATION IN CALIFORNIA IS FOUR YEARS In XX/XX/XXXX Experian added a collection account to my credit report from a debt collector called XXXX  XXXX XXXX XXXX in the amount of {$1400.00}. I have constantly asked Experian to verify this debt because I believe the balance is inaccurate. Experian keeps saying this account is verified and the Information is correct.. XX/XX/XXXX I contacted the debt collector myself and asked for debt validation. I was sent a letter saying that I owe {$2000.00}. once Again I've tried numerous times to contact Experian about this inaccurate reporting Information. now here it is 6 years later on XX/XX/XXXX Experian is reporting a balance of {$2200.00} on XX/XX/XXXX the balance changed again to {$2200.00}. how is this collection account 6years later gaining {$900.00} in random charges please delete account you're constantly reporting inaccurate information I've included all supporting documents.
Consumer complaint received 2022-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Envoy Corporation (MD)

Universal Envoy Corporation opened a fraudulent debt account. XXXX XXXX XXXX accounts receivable says there is NO debt owed to them by me. They also went further to say, this is not one of their debt collector agency they use.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX  Account : XXXXXXXX XXXX  Account : XXXX
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit act XXXX  Account = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy have violated my rights.

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/22 at XXXX, I received an email congratulating me on opening a new checking account with Truist Bank but I never opened a checking account with this bank. I called the bank but their customer service line is down until Monday on XX/XX/22, which is a holiday. I wanted to get a head start on this report before someone spends money in my name and I an held responsible.
Consumer complaint received 2022-06-19
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX US Bankruptcy account XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One charged {$700.00} to my personal checking account of XXXX  XXXX XXXX on XX/XX/2022 and this transaction was not authorized. Ive never opened account or debit/credit card or had a business with Capital One at all. Especially they charge {$700.00} to my personal checking account directly and my name was remarked on the transaction details so I speculate my ID has been illegally used on this transaction. I made a call to Capital One customer center to fix this issue but they rejected to help fixing issue because Im not their customer.
Consumer complaint received 2020-12-16
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. (CA)

On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the equifax data breach and my have gotten in the hands of the wrong person like scammers.
Consumer complaint received 2020-07-29
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. (IL)

XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2018-05-17
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)

I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.
Consumer complaint received 2023-04-03
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: ALLY FINANCIAL INC. (PA)

The following companies had made inquiries on my credit report with accounts that I do not have which is a violation of my consumer law rights. I do not have an accounts with the following : Ally Financial Dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-19
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account # 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 under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account # 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 under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

There is an account listed on my Experian credit report that is not mine. The XXXX, XXXX, has not shown me anything proving that I bought anything from them. Because I have not. Experian has investigated it at least twice, and can also show me nothing that shows this is my account. Because it is not. Yet Experian continues to show people that I am not paying my bill. This is false information, and Experian will not correct it, or correctly investigate. Experian asks XXXX if it is my account, and XXXX says yes, without providing any documentation that it is, and Experian continues to disseminate lies about me.
Consumer complaint received 2022-06-19
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. (CA)

I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation
Consumer complaint received 2022-06-19
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. (CA)

I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation
Consumer complaint received 2022-06-19
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. (CA)

I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation
Consumer complaint received 2022-06-19
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: EQUIFAX, INC. (PA)

Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent Negative Accounts : XXXX XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Consumer complaint received 2022-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (CA)

I am a victim of a scammed transaction. I ordered a steel building and wired in an amount of {$17000.00} on XX/XX/2021 to SunTrust Bank located at XXXX XXXX XXXX XXXX, XXXX AL, XXXX XXXX XXXX XXXX with an account # XXXX. I never received my product and could not get ahold of the seller. After many researches, I found out this was a scam. I asked my bank, XXXX to recall the funds but after many weeks, my bank came back that SunTrust Bank did not respond to their requests. I need SunTrust Bank to give me my money back. 

Thank you.
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XX/XX/XXXX data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2020-12-23
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. (FL)

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

Collection company is called : AMSHER COLLECTION SERVICE. Its address is : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. The bill was a XXXX bill for {$280.00} and the collection was opened on XX/XX/2020. I did not notice it until I checked my credit report 2 weeks ago. I have never used XXXX in my life. I have disputed this with the company, but they claim the information is accurate. It is very frustrating!! 

Thank you for all your help! The CFPB is the best agency the US government has to offer.
Consumer complaint received 2018-12-15
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. (IL)

There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX,XX/XX/2018, {$130.00}, {$150.00}
Consumer complaint received 2022-03-05
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. (NC)

In XXXX of 2022, I submitted disputes to Equifax, XXXX, and XXXX about accounts listed on my consumer report as being inaccurate and false reporting. I clearly stated the law requires them to furnish accurate information on my credit report and to do a thorough investigation into the problem which was not done. Each time I disputed something on my credit report that I know was inaccurate they would come back within 7 days saying the information is verified ; I would never get any information on who verified it or who they spoke to absolutely nothing. Now the law clearly states the following : 15 USC 1681a 603 FCRA ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Social Security Card or Drivers License are considered credit cards under the TILA definition of a credit card for which they both were used to obtain credit and by law is excluded from being reported. 

Just by this section alone none of the accounts on my consumer report should be there but they are and that is a violation. The practices and procedures used by the credit reporting agencies are unfair and unjust to me as the consumer. Their investigation process is flawed and unfair and is damaging to me the consumer.