davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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 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 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 2023-01-29
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. (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 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 2020-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Starting on the XXXX of XX/XX/2019, I fell victim to a sophisticated fraudulent Scam merchant company by the name XXXX XXXX XXXX XXXX ( the Scammer ). Money was transferred from my account to the Scammer via a wire transfer for a total amount of XXXX EUR, utilizing Coinbase services.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc (CA)

I set up a payment plan with Tate and Kirlin Associates last year. I was not given information about setting up an online account with access to a portal. I have attempted to reset a password on the payment portal, however there is no record of me registering for an account. I have never received any accounting of my balance with Tate & Kirlin Associates, neither by mail or email. I have left numerous voicemails for the company and have yet to receive a return call from anyone. To date I have paid {$1900.00} ( {$170.00} each month ) since XX/XX/2022. I am extremely frustrated. I can not get a live person on the phone when I call this company, and when I did, I was able to reach a Sales Person who would not transfer me to a live person, he took my name and number down and promised a call back from a live person, with no follow up. Please help.
Consumer complaint received 2020-11-26
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. (SC)

WRONG BPRIMARY NAME AND ALIAS NAMES ARE WRONG AND NEVER USED THEM AND ALL PREVIOUS ADDRESSES NEVER LIVED THERE SEE XXXX  DOC FOR EXPLANATION
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUN LOAN COMPANY INC. (TX)

I previously submitted a complaint about this issue, that Sun Loan keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if XXXX was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, Sun Loan that should be removed and was closed prior, made an update and a comment and XXXX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, XXXX never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.
Consumer complaint received 2018-04-05
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 am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
Consumer complaint received 2024-02-01
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. (CA)

I am in the process of applying for housing and it has been brought to my attention there are various inaccurate information reports on my credit report. I am now opting out of any and all authorizations I, XXXX XXXX may have given Experian, XXXX, and XXXX either, written, unwritten, and non-verbal per 15 USC 6802. Experian is breaking the laws that protect me as a consumer. 

Violation of 15 USC 1681b - Permissible Purpose of Consumer Reports : All inquiries on my consumer report were made without proper permissible purpose, as I have not provided written permission or instruction. The inquiry from XXXX XXXX needs to be DELETED and REMOVED IMMEDIATELY. 

Violation of the Privacy Act 1974 : The credit reporting agencies have mishandled my personal information regarding student loans without proper authorization. Reporting student loans is a violation of FERPA and comprises my privacy of educational records that are not supposed to be disclosed. The accounts : Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  need to ALL be updated to PAID AS AGREED and CLOSED IMMEDIATELY. 

Violation of 15 USC 1666b : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This did not happen. Remove ALL late payments for account : XXXX XXXX XXXX IMMEDIATELY. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) : It is illegal to report transaction history on a credit report. Experian is reporting my credit card balance which is hurting my utilization against my consent and is an invasion of my privacy rights. Adjust the utilization to 0 % for account : XXXX XXXX XXXX IMMEDIATELY. Still keep this account on the report. I do NOT want this account taken off my report, just for the utilization to be brought to 0 %. 

All of these inaccuracies on my report have caused emotional distress and I have impacted my quality of life due to these credit reporting agencies being in violation of the law and taking advantage of my consumer rights. Everything I addressed above needs to be rectified as 15 USC 1681n states willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least {$1000.00} per violation, in addition to any damages incurred due to noncompliances. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard of my consumer rights. MY REPORT NEEDS TO BE UPDATED TO THE CHANGES STATED ABOVE IMMEDIATELY.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  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 XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
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)

Collection account from XXXXXXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2020-10-13
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. (NJ)

I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.
Consumer complaint received 2019-11-05
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: Global Lending Services LLC (TN)

Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

I have been dealing with a loan that I had with MONEYLION INC . I went through a debt settlement program with a company named Settle It. The loan that I had was settled by them and paid as agreed via a company named XXXX XXXX  XXXX. This is the company that actually paid MoneyLion Inc. MoneyLion Inc. REFUSES to acknowledge that this loan has been settled and PAID. I have copies of the settlement agreement as well as the copies of the payments made to MoneyLion Inc . I have sent this documentation to all three credit bureaus and MoneyLion insists upon not acknowledging that the account is settled in full!
Consumer complaint received 2020-04-26
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. (FL)

XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am having issues with the credit bureaus, XXXX, Transunion, and XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/2020 I received an alert from my Equifax XXXX XXXX XXXX subscription service that Equifax added a new address to my credit report. I immediately logged in to see the details and found the new address was incorrect. The INCORRECT address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The second line in the above address is completely incorrect and should be eliminated. 

The CORRECT address should be : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX I attempted to dispute the incorrect address and was guided to log in to a different Equifax account specifically for disputes. When logging in to that service, I forgot my passport. When attempting to reset the password, I told me to call Equifax at ( XXXX ) XXXX. I did call and was met by an extremely incompetent and useless Equifax overseas representative. The representative refused to accept my dispute. Further, she stated she would send me a password reset link, but she lied and never did that.

The representative also told me that it must have been one of the creditors that reported lately that gave the incorrect address. She gave me a list of the three recent tradeline updates. I checked all and they do have the correct address. In fact, I contacted every creditor I have and ALL have the correct address.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXXXXXX XXXX and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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: First Investors Servicing Corporation, Atlanta, GA Branch (TN)

Unauthorized Inquires are on my credit report as of XX/XX/2019. 
These inquires have dropped my credit score by 100 points.
Consumer complaint received 2024-02-01
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. (TX)

The Credit Reporting Agencies never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this!

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report.

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

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

I did not give anyone or Credit Reporting Agency written instructions.