davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial (NY)

My account with west creek finical finances a bed for me they had received payment I ran into difficulty paying I info them they sent it to collections last year last month they took money from my bank after they had sent me to collections in 2019 I have reached out to them directly left on hold for 3 hours sent emails and again they took money from my bank I have proof of all allegations I am making in this statement
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on
Consumer complaint received 2023-03-21
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. (NC)

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 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 has violated my rights. Or list of inquiries 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 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2700.00}
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXXI did a standard transfer of {$490.00} through Venmo which I'm told is a Paypal subsidiary XXXX I was transferring my funds to my bank attached and verified by Venmo. When it didn't arrive in a couple of days I figured it was the XX/XX/XXXX weekend and banks were closed. On XX/XX/XXXX I immediately called Venmo customer service and they said they would look into it and get it handled. It was at this time I was told the funds were sent to some arbitrary bank that I never even heard of and it was nota verified account. I was told this should be resolved within 7-10 business days, weeks went by and I was told again that it accidently did not go to into priority resolution and it may take up to three weeks. I have e-mailed several times and called several more times only to get the same run around. They stole my money and do not see that this is a major problem XXXX XXXX XXXX XXXX ( is on the venmo account )
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, Transunion and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY.

YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$130.00}
Consumer complaint received 2022-10-07
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 was a victim of identity theft. Someone has been falsely using my identification for the past 8 years without my knowledge. All the information being reported by Experian, XXXX XXXX XXXX is false. These companies have failed to show proof of items being reported.
Consumer complaint received 2020-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 My dad had called Walmart to have me removed from his account and told them that this was his account and that I was just a person who he got an extra card for and that this account is his responsibility I also had myself removed off the account as well.Walmart removed me. This is my dads account we have the same Identical name
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC (MS)

I received a loan for $ XXXX {$800.00} from 1st heritage credit and was signed up for extra stuff I didn't want or need. I inquired about paying the loan off early as to avoid some the interest and was told it wouldn't do any good. I was going to have to payback {$900.00} over what I borrow. At first I was told I couldn't cancel some insurance they tricked me into. Then I was told I could but it wouldn't really do any good. I don't believe it is fair borrowing a little over {$700.00} and having to pay back over {$1600.00} regardless of early pay off.
Consumer complaint received 2022-10-07
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-26
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: ACIMA CREDIT, LLC (SC)

In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. XXXX I paid to send mail certified and they received the documents and sent me a XXXX stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Acima XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-05-02
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. (NV)

These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I sent all required mail to the main three credit bureaus ( XXXX, XXXX, and Experian ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( XXXX, XXXX, and Experian ) immediately. Thanks.
Consumer complaint received 2023-01-26
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. (NY)

Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX - OPEN Balance {$950.00}. 
Acct Status : OPEN Remarks : Dispute and Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NY)

XX/XX/21 Amerassist AR Solutions ( XXXX XXXX ) Ive done research on this company and there have been many many negative reviews on how this company operates. I have had something occur last year with my credit and a family member using my credit for their benefit. The amount XXXX popped on my credit report as collections. Immediately I reported and I have filed w/ FTC and submitted my paperwork ( identity fraud ) to the all credit agencies for this item to be removed. XXXX  is the only credit agency that I am disputing this collection debt. I have attempted to dispute this item twice now and no luck as of yet so Im taking this route now hoping this can help me.
Consumer complaint received 2021-03-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC (NY)

I received TAP and federal loan to attend XXXX XXXX in 2014. I dropped out during my 3rd or 4th week. I was never told that I had to repay XXXX for a full semester, in the amount of {$3700.00}, nor that I would be responsible for whatever payments TAP or the government did not pay after dropping out. I am now being harassed by a debt collection agency weekly and the school refuses to explain why that without any legal documentation should I be responsible for a loan I never accepted from the school. I have reached out and emailed the schools financial department who has insisted that I pay this debt even without any legal proof that I am responsible for it.
Consumer complaint received 2021-04-26
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. (NY)

I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

I sent all required mail to the main three credit bureaus ( XXXX, Equifax, and XXXX ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( XXXX, Equifax, and XXXX ) immediately. Thanks.
Consumer complaint received 2023-01-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.Also my Information was exposed in several data breaches who knows who has my Information with all this craziness In the world today. All I ask is to remove the information because it is invalid.
Consumer complaint received 2021-04-26
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: Consumer Portfolio Services, Inc. (IL)

NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I don't know who logged in my Bank Of America credit account and transfer {$5000.00} to XXXX XXXX and {$1800.00} to XXXX on XX/XX/2022. I called Bank of America fraud department to investigate what happened. Two weeks later, they sent me letter to deny because they said XXXX XXXX and XXXX under my name. I asked Bank of America give me information that they found under my name, but they refused. I called XXXX XXXX to help me to check any account opened under my name, but they did not find any. I logged into XXXX and found nothing transfer to my XXXX accounts that I had. I ran report in XXXX Bureau and did not see anything from XXXX XXXX and XXXX, so I think scam may from Bank of America, because why they refused to me detail information about the fraud that they investigate.