davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

I disputed the validity of a Bankruptcy that is being reported on my credit report. I contacted Experian and advised them that there was a Bankruptcy on my report that was not mine so i asked them to remove it, They sent me back a notice that the account was mine and that they validated it. I then asked them to provide to me the name of the person and the process that they used to verify this account in accordance with FCRA 609 and they have not provided me with this information i then requested that they reinvestigate the account and i provided them with the copy of the letter from the U.S Bankruptcy court in XXXX MD. that states that they do not provide information to the Credit Bureaus and i explained to them that they were in violation of FCRA 609 and FCRA 15. I received a letter from them stating that unless i had new evidence in regards to this dispute that they were not going to reinvestigate which is also a FCRA violation, I have been hung up on by the XXXX representatives and the XXXX and also been told that they are not in Violation of any FCRA rules. a search by a third party is not a validation of accuracy anyone can logon to the public website and put in a name or docket # and get the inaccurately reported information. I plan on filing a small claims court case against Experian for defamation and inappropriate reporting if they do n't remove this bankruptcy immediately. i am asking for them to remove a bankruptcy that has no money attached to it and not associated with any account of mine.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AK)

i have had a debt that was suppose to come off of my report XXXX account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its legally passed the amount of time it can be reported on.I included that credit report to show when they started reporting and when they opened the account for collections
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have contacted XXXX XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX XXXX who contacted me on XXXX/XXXX/16 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

I was applying for an auto loan. Auto loan was approved through XXXX XXXX XXXX XXXX. They let you see your credit report after they run your credit. On my credit report there were, what I believe, to be fraudulent charges. XXXX was a XXXX dollar loan from a jewelry company, XXXX was from my cell phone company, XXXX, and XXXX was another collections amount from XXXX. I do not have the full credit report in front of me and do not pay for a monitoring service - this is just from visual memory, looking at the report on my financial rep 's monitor. Also on the report were student loans, which ARE ACCURATE, so I knew that we were looking at the correct credit report. Now, I am trying to refinance on my existing auto loan ( approved through XXXX the day I found out about potential fraud on my credit ), however, XXXX will not approve due to an insufficient DTI ( dept to income ratio ) percentage. The DTI percentage is only high because of the fraudulent jewelry charge and other collection amounts on the credit report.. 

I went ahead and contacted XXXX customer support, followed by their credit department. The representative, XXXX, did not seem to believe I was telling the truth, and would not let me speak with a credit fraud representative. I was only trying to figure out why there was a XXXX collection amount on my credit report.. To her knowledge, there was no history of delinquent payments, or anything sent to collections under my account, XXXX XXXX , after running her search many times. 
****It should be noted, I received a piece of mail on XX/XX/XXXX from the XXXX about my XXXX account ending in XXXX, and XXXX privacy and account sharing policies. This is n't my account, according to XXXX and her records. Nor did she have any indication that XXXX or the XXXX or the XXXX had sent me any such notification for that matter - especially in an account ( XXXX ), not listed under my name. 

I have not started following up with the jewelry store ( XXXX? ) or my cell phone company, but I have a feeling they are going to give me the same response as the XXXX representative. I never received anything from the Jewelry company about a loan being opened in my name OR it not being paid off.. Neither have I ever received anything from XXXX ( a cell phone company I 've used for many years ) of having missed a particular payment so severly that it would be sent to collections ( XXXX would not allow continuous service, as they do now, with a delinquent cell phone payment ). 

I 'm hoping this is the proper next step to take in resolving this issue, it looked like some of these problems are dated XX/XX/XXXX, and my credit score is hurting very badly as a result. Please, contact me for additional information - I 'll help in any way I can. 
I do not have access to a scanner at this time, but can always find a scan and send in the XXXX letter if necessary.
Consumer complaint received 2022-10-24
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: Resurgent Capital Services L.P. (NJ)

XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX XXXX -- -- -- 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, LVNV FUNDING LLC XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,
Consumer complaint received 2022-10-24
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: CCS Financial Services, Inc. (NJ)

XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
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, CCS COLLECTIONS XX/XX/XXXX, CREDIT COLLECTION SERVICE XX/XX/XXXX, XXXX COLLECTIONS XX/XX/XXXX. XXXX COLLECTIONS XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, CREDIT COLLECTION SERVICE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Ive had past PayPal accounts which were hacked into due to fraud/scam. The most recent situation had me file a dispute with my bank, which was attached to my PayPal acct. Due to this fraud, that PayPal acct was left in negative standing. 
My daughter, boyfriend and I started a pet sitting service and opened a business PayPal acct. 
Within a short time, PayPal limited that account requesting my daughters proof of identity, ss number and where her products are from and shipped. 
She immediately sent in her photo ID, ss card, and explained for pet sitting services, there is no product or shipping taken place. 
The account, which had money in it was still limited so she called them and they were very unhelpful, saying due to an online purchase she was making, a security trigger happened and there was nothing to be done. 
Shortly thereafter they closed her acct, trying to freeze the funds that were in it. 


I opened an acct with PayPal under my maiden name, XXXX XXXX. Unfortunately there isnt too many online sites like PayPal and *when* it works, it works well. 
I am now facing the same situation as my daughter. It started to become tougher to make online purchases for LEGAL things, couldnt send money to a friend, tried transferring my ( read that MY ) money to my bank acct and today I see my acct is now limited, requesting my photo ID, bank statement, products, shipping and to resolve the acct that due to fraud was left negative. 
I have no issue with providing any of this ... but just my daughter, I already know the end result will be them closing the acct, holding the money thats in there for 6 months while PayPal investigates the matter, which is really just them holding my money. Otherwise I should be entitled to a 6 month investigation report. 

Can they do this? Everything Im reading online says yes, which is ridiculous. Any money I earn I report to the IRS with a XXXX XXXX and in these cases, this was money from friends. 

In a normal brick & mortar building if a bank freezes assets, until they can verify identity ( which ... why would an online purchase to XXXX XXXX trigger them to need my bank statements ), once identify is shown, I should have access to my money. 

As for the negative acct, I can not be held responsible for the fraudulence that happened to it. Where exactly is that acct? Still with PayPal? Charged off ( I.e. written off to help offset taxes ), with another agency for collections? 

The federal government should not let PayPal get away with the things they do ( just XXXX   consumers complaints about their practices ) and need to start demanding answers.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (NY)

The batter of my XXXX XXXX broke down, I called XXXX about this issue and they told me I can either go to a authorized XXXX dealer to replace it or go to any mechanic and I can file a claim to get a refund, it has been more then 2 weeks since I submitted the claim and theyre just ignoring me
Consumer complaint received 2022-06-09
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. (AZ)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX {$76.00}
Consumer complaint received 2022-06-09
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. (AZ)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$76.00}
Consumer complaint received 2022-08-23
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 accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 a 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 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

I noticed that my student loans was not XXXX balanced on my credit report and they should be. I am going to attach the form that shows I owe nothing on my loans. I need the information corrected with XXXX, XXXX, and XXXX.
Consumer complaint received 2020-04-16
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. (TN)

I have asked Experian, XXXX, and XXXX repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.
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 — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon, within the congressional findings of the FCRA 15 USC 1681 ( a ) ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

You guys have assumed this role and the information down below breaks federal law. I never gave anyone permissible purpose to furnish my information pursuant to 15 USC 1681b furthermore your company is not exercising their grave responsibility which is to report accurate information. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report within 30 days. 


I am aware of the deception and misuse of my credit card. I am demanding you send the consumer file as well as an official consumer report to the address listed above. I demand deletion from these accounts for the invasion upon my privacy and by making a false, fictitious, or fraudulent statement or representation in pursuant to 15 USC 6821. I will be waiting for my response through mail and an updated consumer report with these inquiries removed.
Consumer complaint received 2022-04-25
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. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-10-08
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: Rocket Mortgage, LLC (RI)

On XX/XX/21 I lled out a form with rocket mortgage requesting more information about their loan programs. I was at work when I received a phone call shortly after. I stated repeatedly that I was at work and was unable to talk while the agent, XXXX, continued to ask questions. He asked for my social security number so we could " get things started '', which knowing I was speaking with a legitimate company I gave not knowing or at the very least having heard him say that his intention was to run my credit. I hung up the phone and immediately received a notication that there had been a hit on my credit report. I have spoken to multiple individuals expressing that my intentions were not to get a mortgage or have my credit run and asked to have it removed from my credit report. When they refused I asked them to let me hear the recording where I provided consent to have them run my credit. They have since refused to let me hear proof of consent and doubled down on their refusal to remove the inquiry
Consumer complaint received 2022-07-31
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)

The term " investigate 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 others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions