davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (FL)

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 : # XXXXXXXX XXXX XXXX : # XXXX, Account name : # 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
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I submitted a dispute about my permanently discharged federal student loan reporting as open with a balance. And equifax and XXXX  closed my dispute and said the information was accurate and would remain on my report as it was.
Consumer complaint received 2023-01-27
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. (FL)

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, Account name : # 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
Consumer complaint received 2023-03-18
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX IA account XXXX XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A 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 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-21
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. (MA)

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 2023-03-18
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. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$69.00}.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in XXXX minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX. 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
Consumer complaint received 2023-03-18
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)

I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Account names : XXXX XXXX Acct. Number XXXX. XXXX XXXX XXXX Acct. Number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Consumer complaint received 2018-11-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , NV-XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : {$850.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : Transfer/Sold Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Charged off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$25000.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit :
Consumer complaint received 2023-01-27
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 check my credit report on XXXX XXXX XXXX and I notice that there was inaccurate information on my credit report, credit account reporting wrong information and duplex account with wrongful information .I then started a dispute with the credit bureau on XXXX and I just received a email stated that Experian investigation is finish. I have not received verifiable result .All account I investigated still remain the same. 



.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I was wrongfully foreclosed by Ocwen loan servicing they conducted an illegal foreclosure and sale of my house which is called dual tracking there has already been a class action lawsuit against Ocwen the Department of Justice conducted the decision because of State of California business oversight department and I am a victim I am currently fighting my 6th eviction in the past 5 Years From the largest corporate landlord who bought my home the name of the current owner is XXXX XXXX who has subsidiaries like XXXX XXXX XXXX a Delaware Limited company
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Community bank has called repeatedly from unknown numbers. When Ive told them to stop calling my work they attempted it again to try to get my secretary to transfer it. As well as when I told them not to call after 8 because of a sleeping child the girl on the other end got nasty with me. When I told them they couldnt call 5 times in a row they threatened legal actions and to sue me along with getting nasty again.
Consumer complaint received 2019-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc. (GA)

The attached documents were sent certified XX/XX/XXXX and shows as being received. They send a letter in return but NEVER do they tell me what month in XX/XX/2018 was delinquent. This account was Discharged XX/XX/2018. It was proved to discharge that XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 were paid. 

Then I received the other attached document threatening me to pay {$2000.00} by XX/XX/2018. 
I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} ( XX/XX/2018 ) I then paid {$2000.00} ( under the reservation of rights law - XX/XX/2018 ) I paid XX/XX/2018 mortgage {$1100.00} So what month is the {$2000.00} for? Not to mention the amount is well above the amount of my mortgage! My bank statements stand proof of this and have been sent to Seterus , Inc . They will NOT answer the question! They blame my lawyer who discharged the bankruptcy, but NO motion of cure was needed since it discharged as all months were proved paid! 
So again, WHAT month is Delinquent? I want the month in XX/XX/2018 that was delinquent as per their letter reads when they threatened to accelerate the loan! 

XXXX XXXX
Consumer complaint received 2019-09-22
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-09-22
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. (TX)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, XXXX and/or TransUnion ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such. 

I writing to dispute the following inquiries and asking for their removal from my credit report. 

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved. 

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details Onemain Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Deal Inquiry from XX/XX/XXXX Bank XXXX XXXX  Deal Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX PXXXXus Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from Apr XXXX, XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

( There was no category that suits my complaint ) I have attempted to resolve this issue with the company. What happened is as follows. 

I'll contact the company, and when I do, I'm told that there is no debt owed. 
The company will place a Collection on my Credit Report, and then remove it after some months. They will then again report the Collection with a new " Account Open '' date, not allowing the Collection to age, thus not allowing my Score to improve. They have been doing this for nearly three years now. 

This practice has, on several occasions, even once as recently as one week ago, resulted in the denial of credit, and/or poorer credit terms.
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (NY)

THIS IS REGARDING DIRECTEXPRESS.com the website and the call center. The US Treasury uses this card for people on SSI or Social Security. 
1, The website asks individuals to " register to log in '' when you do your are CONSISTENTLY told " error '' then you do it over and over and it's the same message. 
2. They claim to have a phone number for " hearing impaired '' ... NO ONE EVER ANSWERS 3. When you call for help it is IMPOSSIBLE to get an agent to help you..even for a lost or stolen card. 
4. If you do get through you hold sometimes for 35 minutes ... after a long wait a recording comes on that says ... .. '' we are experiencing high call volume..please call backi '' THIS IS AFTER HOLDING FOREVER 5. There  are elderly and XXXX XXXX people that have trouble getting help with the card or their benefits not being on the card. 
I help an XXXX year old male who is a XXXX XXXX and XXXX XXXX XXXX ... I can't count how many times we waited and waited. 
THE US TREASURY DEPT NEEDS TO DO SOMETHING ABOUT THESE CARDS THAT ARE ISSUED. What good are they if you can't get Customer Service. The Treasury needs more than one card service for all the elderly and XXXX PLUS there should be enough employees hired to service the Direct Express cards for recipients.