davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX  Account # XXXX XXXX/XXXX  Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX The Above-mentioned Accounts 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 an account without my written instructions
Consumer complaint received 2022-04-10
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. (FL)

I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from XXXX, XXXX and Equifax. 

1.We XXXX  XXXX XXXX {$2000.00} ( chargeoff ) XXXX XXXX  XXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following information XXXX in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I filed a dispute for a returned phone to T Mobile for {$71.00}, on XX/XX/XXXX, I filed two disputes for {$21.00} and {$27.00} ( XXXX XXXX and XXXX  ) for a trip that did not happen COVID 19 issue. I can not get any assistance from PNC Bank.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-10
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: Resurgent Capital Services L.P. (MI)

In accordance with the fair act XXXX  account # has violated my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (NY)

I filed identity theft report reference # XXXX and sent it with disbute letter to all bureaus of fraud that I seen, XXXX XXXX XXXX, XXXX. XXXX, child support accounts XXXX, XXXX, XXXX, XXXX. I sent to bureaus XXXX XXXX Ive been trying to contact them to no one telling me much of anything please help me dispute this fraud of my credit report
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair act XXXX  account # has violated my rights.

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corp
Consumer complaint received 2022-10-25
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2021-05-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

I have an Amazon store card through Synchrony Bank. It has charged me something called " XXXX XXXX XXXX '' since my XX/XX/XXXX statement. However, I didn't notice before because the charge was small, and I didn't check my statements. I don't recall ever being notified or agreeing to this charge. On XX/XX/XXXX, I called the number listed on the charge ( my statements have it listed as a fee ), and I initially thought it was fraud. I called the Amazon store card customer service number 3 times to try and report it as fraud. They told me it wasn't fraud and I had to call the number again. I believed it was in fact fraud, so I closed my account. I closed it on XX/XX/XXXX. However, my XXXX statements show I was charged {$19.00} on XX/XX/XXXX, even though my account is now closed. I called the number on the charge today and entered my account information that I verified is correct and was told it is wrong. Then I called the Amazon store card support and was told I need to call the number on the charge to cancel. The Synchrony Agent also couldn't tell me how my account is still being charged when it is closed. Since XX/XX/XXXX this fee has charged me a total of {$180.00}. I just found out this XX/XX/XXXX, but the ordeal since then has been very stressful. I definitely think this business needs to be investigated. I have since searched for similar stories with Synchrony to my own and found quite a few. Though I seem to be the first they continue to charge once the account is closed.
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TX)

Hello I have sent a letter to this company letting on XX/XX/2022. I have sent dispute letters along with ftc report letting them I have been victim of id theft and they are refusing to remove I have sent disputes on XXXX to no avail they are refusing to remove this despite me sending eligible documents for it to removed from credit report The amounts the collections {$460.00} {$850.00}
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SUN LOAN COMPANY INC. (TX)

XX/XX/XXXX had surgery and missed 1 year work I did file Chapter XXXX but forgot this account. They charged in off in XX/XX/XXXX I recently offered to pay off the charged off amount of {$890.00} but they stated you owe {$1100.00} total with interest. This is a rip off and XXXX the lady I talked to was XXXX and XXXX. Really do not understand how a company can continue to chage interst on a debt charged off.
Consumer complaint received 2022-10-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXXXXXX .... Balance : {$5300.00}
Consumer complaint received 2019-06-30
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: EQUIFAX, INC. (GA)

With XXXX I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With Equifax I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX  for their blatant violation of a cease and desist email previously issued to them. As a consumer, I have been subjected to unwarranted harassment and continued contact despite clear directives to cease all communication. This cease and desist was acknowledged on XXXX case # XXXX dated XX/XX/year> On XX/XX/year>, I sent a cease and desist letter to XXXX XXXX XXXX XXXX XXXX XXXX, formally requesting that they cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the agency has persistently disregarded my request and continued their attempts to contact me through various means. 

Their actions not only violate the FDCPA but also pose a significant intrusion on my privacy and peace of mind. Despite my repeated attempts to resolve this matter amicably, COLUMBIA DEBT RECOVERY LLC DBA GENESIS has shown a blatant disregard for consumer rights and legal obligations. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against [ XXXX XXXX XXXX XXXX XXXX XXXX  for their violation of the cease and desist letter. I also request that the agency be held accountable for any damages incurred as a result of their unlawful actions. 

Below is their company response statement on my XXXX case # XXXX dated XX/XX/year> XXXX 's XXXX : We do not buy debt, we are working on behalf of our client XXXX. XXXX previously provide allowed for the use of collection to recover past due balances and for us to use your information for such purposes. Contact info already marked to cease and desist outbound communication but where required by law. 

Enclosed with this letter is a cut copy of the email correspondence regarding their continued harassment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appropriate action being taken against XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-22
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian several times by mail for errors on my report 1.XXXX XXXX XXXX  # XXXX reporting late XX/XX/XXXX this needs to be updated to reflect pays as agreed NEVER LATE. 
2.XXXX  XXXX # XXXX This mess should be removed IMMEDIATELY! 
3.XXXX  XXXX XXXX XXXX Account XXXX reporting late payment XX/XX/XXXX. My. rights are being violated. As stated by FCRA 611 ( a ) ( 7 ) I asked for a copy of all the information given to them from the investigation proving everything stated here is accurate as they are reporting. I have serious concerns about their so called investigations. On the XXXX XXXX XXXX account did they receive documents from XXXX XXXX XXXX  or was it XXXX? For the late date they are reporting XX/XX/XXXX the account belonged to XXXX. On the XXXX account what documents were received to prove this should be valid for reporting on my credit file.. The XXXX account where there any documents sent??? I have a hard time believing their generic responses. If Experian has verified what they're stating they verified why have I yet to receive the documents requested??? This doesn't make sense AT ALL. I'm highly frustrated as they continue to report incorrectly. I'm being affected by having to pay higher deposits and interest rates. I have been denied a place to rent because of my credit file.
Consumer complaint received 2022-04-10
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: SCA Collections, Inc. (GA)

SCA Collection XXXX acct # XXXX Violated my rights on XXXX/XXXX/2022. 

The violation these laws 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Consumer complaint received 2022-04-10
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acct:XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 instructions
Consumer complaint received 2021-08-28
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)

My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX XXXX Az XXXX that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.
Consumer complaint received 2021-05-13
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. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

The debt was billed to wrong insurance thats no longer open. Therefore didnt get paid and sent to collections. I called collections and told them that and that the debt is {$0.00} at the business office. The representative stated would not contact business office and that I was past the date of something? which I didnt understand. She stated they would not contact business office to verify the bill is now {$0.00} balance
Consumer complaint received 2022-04-10
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acctXXXX ...., XXXX XXXX  XX/XX/XXXX XXXX ...., XXXX XXXX XX/XX/XXXX 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 instructions