davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2023-04-08
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: Experian Information Solutions 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 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry US Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-11-23
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Consumer complaint received 2022-11-23
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)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3900.00} XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3700.00} To Whom It May Concern This is about consumer credit transaction entered with XXXX XXXX XXXXXXXX XXXX dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX and XXXX. 

I hereby give your company XXXX XXXX XXXXXXXX XXXX notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. 

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices. 
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 
XXXX. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from XXXX XXXX XXXXXXXX XXXX. ( See attachments ) in XXXX of {$10000.00} XXXX. Return all monies ever paid on these accounts. 
XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3900.00} HAS REAPPEARED ON EXPERIAN PLEASE DELETE FROM ALL CREDIT REPORTING AGENCIES. 
XXXX. My credit score has plummeted XXXX points and this is a classic case of DEFAMATION OF CHARACTER. 


If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ILLINOIS XXXX XXXX XXXX/ {$1500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-15
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. (AZ)

CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the Experian and XXXX and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing this letter in my last attempt to DELETE and correct some personal information constantly reporting and still damaging my profile. My CURRENT AND ONLY ADDRESS is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX. MY CURRENT TELEPHONE NUMBER IS XXXX. MY NAME IS SPELLED XXXX XXXX XXXX and no other way. I ask you this one and final time to PLEASE REMOVE ALL AND ANY ERRONEOUS ADDRESSES, TELEPHONE NUMBERS, AND OR ALL OTHER NAMES, THAT ARE ASSOCIATED AND ARE STILL REPORTING ON MY CREDIT REPORT. PLEASE AND THANK YOU
Consumer complaint received 2023-04-08
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. (FL)

Found multiple inaccuracies on my credit report. 


XXXX XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2020-11-24
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: CITIBANK, N.A. (GA)

A fraudulent charge was made in XX/XX/2019. I didn't known until XX/XX/2019. By then the account was past due. I immediately notified the creditor. They agreed in writing the charge was fradulent.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WA)

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted Comenity Bank ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX XXXX apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Consumer complaint received 2022-07-15
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. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2022-07-17
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. (CA)

XXXX XXXX  ACCOUNT # XXXX 1.DATE OPENED INCORRECT XX/XX/2017 2. DATE OF LAST ACTIVITY XX/XX/2017 3. ACCOUNT NUMBER INCORRECT # XXXX 4. PHONE NUMBER DISCONNECTED XXXX 5. DOES NOT MEET REQUIREMENT OF THE FAIR CREDIT REPORTING ACT 6. LAST PAYMENT INACCURATE 7. ONLY BUREAU REPORTING A CHARGE OFF EVERY MONTH 607. Compliance procedures [ 15 U.S.C. 1681e ( B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I received my dispute results back from Experian and its still showing inaccurate information for XXXX XXXX Experian is saying that they have correct validated information and that it MEETS REQUIREMENT OF THE FAIR CREDIT REPORTING ACT.. I have original documents with correct information where are u getting your data from.. youve been in complete violations of Multiple laws for over 3years Account number incorrect. Open date incorrect. Balance is incorrect also phone number is disconnected.. delete this account its not accurate
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX of 2021 my XXXX Credit Card was transferred to Capital One without my knowledge. I had auto-payments setup for the XXXX Card which were cancelled in XXXX without my knowledge. 

Today I received a statement by mail from Capital One stating that my account is 2 months past due. There is a late fee of {$40.00} charged for XXXX. I presume I was also charged {$40.00} late fee for XXXX. 

Upon reading the statement I also noticed that the account number referenced does not match my credit card. Apparently, Capital One changed the act # and never informed me nor sent a replacement card. 

Upon reading the XX/XX/2021 statement I phoned Capital One. The representative explained that my XXXX  Acct was taken over by Capital One in XXXX and that they received my XXXX payment from XXXX. However, XXXX and XXXX payments were not received. The rep stated that policy was to send a notice to the credit bureau on 30, 60 and 90 day past due accts. 

The Capital One rep informed me that she could not correct any notices to the credit bureau but provided an address to write to for Credit Bureau Disputes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I then closed the account and paid off the balance 0f {$630.00} via bank draft. I have written a letter to the disputes dept.

I am asking your help in getting the following : 1. Letter to all credit agencies negating any late notifications that were sent by Capital One.

2. Refund of all late fees imposed by Capital One. I estimate this to be {$80.00}. 

It is not fair that I did not receive prior notice of the transition from XXXX to Capital One and that may auto payments were not honored for a reasonable grace period ( 60 days ). I have experienced this with my mortgage which changed hands several times.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

Hello, I was in a private group on XXXX to try and buy concert tickets. However, when partial payment was sent, the promised ticket was not sent. I lost {$220.00}. When I asked for a refund, they instead blocked me. 

This happened on XX/XX/2022. The money was sent through payment system Zelle and the money was requested via an email address. The transfer occurred through a private XXXX message. 

Please, if you're trying to buy concert tickets on XXXX, don't do it. They are not worth it.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 respect for the consumers right to privacy. '' XXXX and XXXX 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 that 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. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX ) 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. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX  ), XXXX, XXXX, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, or 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 XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax continues to report old derogatory tradelines that other CRA have updated in a timely manner. 

Specifically, XXXX XXXX / XXXXXXXX charge card should have fallen off as account info is incorrect and both have aged 7 years.