davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc. (FL)

I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.
Consumer complaint received 2024-01-13
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. (AR)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. This item must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-13
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Consumer complaint received 2021-04-23
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: CREDIT ACCEPTANCE CORPORATION (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried reaching out to those who requested inquiry and was not successful.
Consumer complaint received 2024-01-13
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. (GA)

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Consumer complaint received 2021-10-31
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. (NV)

I am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXX acct # -XXXX XXXX acct # -XXXX
Consumer complaint received 2021-10-31
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. (TX)

Just received an alert from Experian that might credit score dropped significantly due to XXXX XXXX inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX  Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ).
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2016-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Diversified Consultants, Inc. (FL)

I was customer with T mobile # XXXX XXXX promised to get a discount thru my company XXXX. OF XXXX % OF MY BILL .on the first year they granted, and the following they ask for probe that if I was still employ by the company I fax even my Pay stub and Denied .they did n't apply the discount .the bill came higher finally the block the phone .and they send me to Collection Agency before they came with amount of XXXX and I ask to explain why and if was possible to please mail detail letter with all the charges. And then told me not they will bring to over {$2000.00}. Because they argue the phone need insurance that I have never requested by the time they do suspension I owe them around {$500.00} for XXXX Telephone. 

Them I was paying thru XXXX XXXX XXXX .but they stop taking the payment next thing is they will put a lawyer. is not my fault that no one know who is collecting the money. 

And I really need help .I 'm willing to pay what is right .I ca n't pay for something I did not ask for I feel been Assault. By this Company. 

I do have all the Papers with the denial about my discount 's iknow for sure I do n't owe over $ XXXX.and to find out who authorize Insurance on phone. 

Please SOS WITH Companies Thanks in Advance. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$210.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

These are fraudulent inquiries on my credit that report that need to be removed immediately. 


EQUIFAX MORTAGE SER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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. (MA)

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 
XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a collection account listed on my XXXX credit report listed as XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

An a collection account in my Experian credit report listed as XXXX XXXX XXXX Account # XXXX for the amount of {$2200.00}. 

I am requesting validation of this debt from this collection company.
Consumer complaint received 2024-01-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX  XXXX XXXXXXXX XXXX Owed : {$4500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed XXXX {$2700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$380.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}
Consumer complaint received 2024-01-13
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-12
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CARD Corporation (CA)

In the last correspondence Card.com has claimed to have blocked my card. Howevver, the intial request to block the compromised card came before the unauthorized charges took place. ( initial request on XX/XX/2016, copy of notification enclosed ) Additionally, despite recieving a completeted affodavit form, I was sent a letter for each disputed trans action from card.com dated XX/XX/2016 with thecstatement that the affidavit form was not received. Mind you, this was after receiving confirmation from XXXX separate representatives that the completed form was received succesffully. ( PLEASE SEE EVIDENCEENCLOSED ) When talking with card.com over the matter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 55 times. I was told that my form was received about 90 percent of the time. This would also include written correspende confirming its receipt prior even proor to thedated later. 

I have went over and beyond my responsibility as a customer. Both faxing and emailing the affidavit form. 

Many times the contact to card.com was a three way call with an agent from bancorp bank making the call on my behalf. I was in fact promised the credit over 12 times on a recorded line! 

The fact remains that card.com has told me that they received my signed and completed dispute form and yet have devlined my credit based on not receiving s completed dispute form only to have me resubmit my dispute over and over and over again. 

Ive escalated my complaint several times only for the escalation to be replied with promises by people apologizing saying they will prrsonally seek the proper handling of the resolve to no avail. 

The continue neglegemce of card.com has caused seriest financial damages to me and my family and they need to take ownership of their failures and lack of proper hsndling as i continue to endure grave damages as a redult of their inaction and false promised.