davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (AL)

XXXX XXXX XXXX account XXXX, XXXX  account XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Consumer complaint received 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX This company hung up on me when I returned the call they left on my elderly family members answering machine. When I asked for information on the debt to be emailed to me, their representative " XXXX '' asked if I realized that requesting that information was an admission of guilt!! Preposterous!!! I have requested this and they have my address and email address and have not received it.
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made two payments totaling XXXX for my bank America credit card. However I got a bill to make a XXXX payment before the XXXX of XXXX. I call customer service on XX/XX/XXXX about this charge he told me those payments of XXXX before the billing cycle started for XXXX. So I made another payment on XX/XX/XXXX with bank America bill pay. Now it is XX/XX/XXXX and I was charge a late of XXXX dollars. I call the customer services and they told me they never receive my payment of XXXX and they cant remove my late fee. The one thing I dont understand a total of XXXX came out of the same bank as the credit card before the due date but you are still charging a late. fee.
Consumer complaint received 2022-05-15
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: Bread Financial Holdings, Inc. (OH)

In accordance with the fair credit reporting act Comenity Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

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

With that being said, I've reached out to comenity to ask for the removal of this late remark that occured in XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the fair credit reporting act. The list of account below has violated my right to privacy and confidentiality under 15 usc 1681.

XXXX  Account # 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. 

For account XXXX from XXXX XXXX of {$8400.00}
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX XXXX  asking for proof that this account was late during the months that Experian is reporting and they sent a response letter stating that I was NEVER late during the months EXPERIAN is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX XXXX XXXX.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My issue is not with a particular vendor/creditor ... The issue I have is with the way in which reporting is incongruent between states... here is an example ... My file is in SC where neg items stay for 7 years ... someone else with negative items that just happens to be a resident of Texas ... their negative items are gone after just 4 years... 

So my point is... I am being treated differently than others... just because of my national/state origin '' ... this is wrong and the credit laws need to be applied the same... equally to all persons ... and right now that is not the case. 

What is my recourse?... I am not being treated equally.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Today is XXXX and I am writting regarding a loan with Ocwen Loan Servicing which I paid this loan off on XXXX. My records indicate that I overpaid the loan by {$6200.00} and in calls with the servicer they verify that it was paid in full and overpaid by the amount I have indicated. I have been waiting for a final statment and reimbursement of the amounts overpaid totaling {$6200.00} since XXXX.
Consumer complaint received 2019-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.XXXX   XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-17
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)

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CA)

I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CO)

XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016.
When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed.
After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else.
I will have proof of payment by mail from the XXXX  center, XXXX XXXX XXXX, this week.
They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid.
What can I do? XXXX XXXX  XXXX
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 1681.

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 r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : XXXX
Consumer complaint received 2022-05-15
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. (PA)

I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : XXXX
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

In the past couple of years I 've tried to obtain a credit card through my bank, USAA in XXXX XXXX, and have had auto insurance there since serving XXXX in the military during the early XXXX. I 've had XXXX secured loans in recent years with USAA and paid them both off on time, never late. The bank has denied me a credit card XXXX in the past two or three years, the last time only recently. Also it denied another secured loan, even though at the same time my bank in XXXX not only offered an unsecured loan of {$10000.00}, but also granted a credit card now with a {$6000.00} limit. This is all within the past two or three years.
Consumer complaint received 2022-12-08
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. (CA)

I have contacted Equifax multiple times over the past 6 months disputing inaccurate addresses being reported on my credit report. 
The address XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX is inaccurate reporting. This address is not associated with any accounts on my credit report. 
This address is showing as my current address while my correct address XXXX XXXX XXXX XXXX XXXX, CA XXXX is showing as a former address. 

Also the following inquiries have no permissible reason or permission from me to access my credit report. All inquries on my credit report with Equifax besides the non permissible inquiries listed below are credit card inquiries while these are financial institutions that solict for FINANCIAL SERVICES which I have not given permission to access my credit report. 

XXXX XXXX. XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was checking my consumer report and I saw a lot of credit inquiry that i do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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 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 2022-05-15
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. (FL)

I am writing this complaint to make it known that you are violating my rights because you do not update my information correctly. 
I have attached copy of report with all incorrect information that are boxed/circled. 


The following is the only personal information I want on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/1982 SSN : XXXX Employer : XXXX XXXX XXXX. 

I need you to remove all other names, last name, Previous addresses and old employers from my report,
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion and XXXX are erroneously reporting a bankruptcy on my credit report. I have disputed this several times. XXXX is the only bureau that complied to my request. I have a XXXX reporting allegedly from the U.S. Bankruptcy Court, which is false. In addition, per FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

AND 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 my rights were violated.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX  made a Inquiry by checking your Equifax Credit Report XXXX 

Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your Experian Credit File XXXX When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank / Credit Card Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Bank / Credit Card Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX made a Bank / Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX