davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  these accounts have violated my rights. 

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

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

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I spoke with a lady by the name if XXXX who helped with a relative credit report and person after i was directed to the fraud deprtment and placed on hold for several minutes, I then stated my name was incorrect and that i have submitted 3 times my current legal name and it has yet to be changed. I was then told very rudly to allow up to 14 days and had i checked recently to see if it had been updated. and i stated ive been married since XXXX and i am looking at this moment on Experian website and in fact it has not been updated. The woman again got rude and proceeded to then ask did i want a current copy of my credit report dated XX/XX/XXXX mailed to me, so that i may see what name is listed. i said yes and in fact i stated ive been trying since XXXX to get my name changed and either the system is down, you send me disputed reports without changing the information and today im told the current report shows the name i gave her over the phone, yet, i am looking at the experian website and it shows different. I then asked to speak to a supervisor because what is on their website o line when ilog in is not what she is stating to me via the phone ... At that time, she hung up on me and you have to call 5 different numbers to even get a live person and then to tell me im wrong and hang up.
Consumer complaint received 2022-10-21
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I must also demand certified/notarized copies of the original documentation and any contracts or documents that I may have signed. I am requesting validation, i.e., competent evidence that I had some contractual obligation with this unknown company. Please delete this account NOW! 

Original creditor : XXXX
Consumer complaint received 2020-06-04
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Zachter PLLC (FL)

My small business account in Florida with XXXX XXXX was wrongfully levied on XX/XX/XXXX in the amount of {$9500.00} by Zachter PLLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX NJ XXXX XXXX, XXXX, XXXX, www.zachterlaw.com My Business bank account number appears on Marshal 's Docket # XXXX / Court Index # XXXX. I am not named, not associated or have any business dealings with this case and I was never served any notice in regards to my bank account named in this case. My wife and I have tried to reach the attorney 4 times via phone calls and emails as pursuant to the XXXX Marshal 's Office to resolve this matter immediately to no avail. 
This has created a great deal of hardships for our small business and to our credit.
Consumer complaint received 2019-03-26
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. (GA)

I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-03-26
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: U.S. BANCORP (AR)

ONCE AGAIN U.S. BANCORP VIOLATES EVERY CONSUMER LAWS ON THE BOOKS. WE HAVE 11 CLASS ACTION MEMBERS TO WHOM FEEL THE SAME. 
CHRONIC " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Consumer complaint received 2022-02-02
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: OneMain Finance Corporation (IL)

On XX/XX/2022, One Main Financial and ONEMAIN, added an inquiry to my credit report. After further investigation and research, the debtor did not call MY PHONE NUMBER AND VERIFY IF I WAS THE PERSON INQUIRING FOR A LOAN. I SPECIFICALLY HAVE A FRAUD ALERT ON MY REPORT FOR A REASON. According to the FCRA, ONE MAIN FINANCIAL has violated my rights as a consumer and I am requesting legal action to remove this inquiry from ALL THREE CREDIT BUREAUS.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn (NJ)

I was recently sued or in the process of by Mullooly, Jeffrey, Rooney & Flynn LLP I am just learning of this alleged debt of {$6700.00} and the procedures this " XXXX XXXX XXXX  '' has already taken against me ( XX/XX/XXXX XXXX ) by way of this communication without my knowledge. Default judgements obtained without following law set in place to protect consumers are highly questionable. 

They have threaten with a 10 day noticed to reply back and or dispute which we all know its a 30 day not 10day notice. ( 30 days ) I have sent a certified mail to both new jersey XXXX XXXX XXXX XXXX. and " Mullooly, Jeffrey, Rooney, & FLynn LLP '' company. to objection this alleged dept.

I requested a FULL accounting of any outstanding debts with receipts to support such alleged debt. They responded with a package of one years worth of some receipts not even totally close to the actual amount they are requesting. what they sent was around ( {$1800.00} ) I tried calling the numbered they instructed to call only to find out this gentlemen is on vacation according to his voicemail. If this is a fully operational firm or company i could at least speak with someone else. i have made multiple calls with proof of call logs which still nothing.

I would like some type of audit with this company if possible, and or some type of help.

thank you.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

In trying to work with Equifax I had to answer identity questions. I understand how important it is to be the person I say I am, but the questions Equifax required me to answer where questions from many years ago and not easily remembered by people as they get older such as credit cards that were closed years ago or a particular bank that may have held a mortgage that was closed years ago. This is especially true as all these small accounts and payments to them where handled by my wife and I don't know those details off the top of my head, and she isn't around. What can be done to update these questions or make them something that can be answered if I am away from home and need to do something with a credit agency? 

Date of issue was today, XX/XX/19 in the evening
Consumer complaint received 2018-04-26
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. (NY)

There are 2 XXXX accounts and a XXXX XXXX on my credit report with experian showing as a charge off and a balance and have not been reporting to experian in a couple years ( realizing most likely are not mine ) these are not my accounts experian keeps telling me they are accurate and will no longer investigate these 3 accounts however XXXX  and XXXX have deleted these off my reports after investigating and proving they in deed are not mine please have them remove them right away
Consumer complaint received 2019-03-26
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. (GA)

I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act convergent account number : XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MA)

Hi & good evening! - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-04-10
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: National Credit Systems,Inc. (TX)

I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX, Suite XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} National Credit System XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} National Credit System XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
Consumer complaint received 2019-03-26
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. (GA)

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.
Consumer complaint received 2019-03-26
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. (GA)

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX  XXXX.XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , 'XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.
Consumer complaint received 2020-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Once again Navient has created false documents. This is my third complaint. I did not agree to a forbearance. Nor my co-signer. They kept rearranging payment documents. Now they say auto pay has been deleted. And another forbearance which wasnt requested wasnt accepted. Yet the so called first forbearance they have yet to send documentation. I havent done anything on this account. Its been charged off. To my knowledge the first phone calls I got I didnt understand the process. Felt rushed to accept a deferment XXXXyears ago. Now this lender not only refuses to get off my credit report. But refuses to do what they said they would do to begin with delete the forbearance. I have stop communication with this company. Due to lack of customer service and solving problem accordingly. Lying continuously.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

On XX/XX/XXXX, I received a letter from a collections agency about a utility account in XXXX TX. I have never lived in the state of Texas. I began to do some research and found 5 utility accounts on my credit in the same area. The first was Online information service, a collections company representing XXXX XXXX for {$800.00}. This fraud began XX/XX/XXXX. Another was XXXX XXXX XXXX, another collections company representing XXXX XXXX for {$500.00} in Texas. This account was opened in XX/XX/XXXX. Another is XXXX XXXX in Texas for {$540.00}. I have been disputing these accounts with the credit bureau 's. These are the accounts still on my credit. I tried to file with my local police department but they referred me to XXXX website. It is now XX/XX/XXXX and I am getting nowhere with these companies to get this issue resolved.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MA)

HI - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

I had two accounts with Genesis FS Card Services, an Indigo and a Milestone that were past due. On XX/XX/XXXX I paid both cards off in full. In XXXX I checked my credit report to see if it updated and it stated that both cards were charged off so I called the credit card company and they told me they would have to investigate. After two weeks I called back again and they told me they dont see anything in the notes and I would have to speak with the charge off department. I called the number they gave me and the person I spoke with said that they could not help me and gave me another number to call. After weeks of trying to speak with someone that knew what they were talking about I finally was able to speak to someone on XX/XX/XXXX. She told me that she sees the cards were both paid off in full and does not understand why it says charged off/sent to collections and was sending the back office a work order and it should be corrected within two weeks. As of today XX/XX/XXXX it is not. I called them back today and now I am being told that they can not check the status of the work case number that I was given and that the accounts are both listed as charge offs and in collections. I told them that the accounts were never in collections and never charged off because I paid the balances in full and have my bank statements to prove it and they said that they will have to investigate again. This makes absolutely no sense to me at all and I dont understand why I am getting the run around and why this information has not been corrected. They received my money months ago and now my credit report has negative info on it and is effecting my credit score tremendously. This needs to be corrected as soon as possible. This credit card company is a joke and noone understands anything and they do not seem to know what they are doing. Please help me!