davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting 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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 XXXX  days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2021-11-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (WA)

On XX/XX/2021 Compass recovery group called my girlfriend, and have previously sent collection attempts to an address I have not lived at for over XXXX  years. The collector announced himself as working for Compass recovery group and pestered her for information as to my contact information during her work day. A clear violation of the law, as well as unethical and harassing tactic. 

According to the reviews online about this particular company I am not the only one that they have done this to, despite the tactics illegality.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MO)

Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging me.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

after reviewing my credit report with the 3 credit reporting agencies I discovered that an fraudulent account was opened and used to obtain service, credit using my credentials without my consent I reached out to the companies individually I even filed a police report none of the details was acknowledged for months I havent heard back from the credit agencies or the companies this has affected in many difficult ways and I still havent received proper resolution Under 15 U.S.C 1681 s-2 Section A ( 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.
Consumer complaint received 2018-01-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

XXXX ( the worse ), XXXX  and Experian are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.
Consumer complaint received 2024-01-16
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 have an XXXX XXXX XXXX  and XXXX XXXX XXXX credit card which are through XXXX XXXX XXXX. 

This is a formal complaint against XXXX XXXX Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes. 

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that XXXX XXXX Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. XXXX XXXX Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. 
Violation of 15 USC 1681 : Additionally, I believe that XXXX XXXX Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. 

Violation of 12 CFR 1016.7 : XXXX XXXX Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While XXXX XXXX Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 

Furthermore, I want to highlight that Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Consumer complaint received 2024-01-16
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. (CT)

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, 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. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-07-03
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-01-16
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. (CA)

I hot an alert on XXXX XXXX and Experian and XXXX that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's 2 apartments reporting on XXXX XXXX XXXX for almost XXXX and XXXX XXXX for almost XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (FL)

Section 623 ( a ) ( 6 ) if a furnisher learns that it has furnished inaccurate information due to identity theft.it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

To Whom It May Concern at XXXX, XXXX XXXX XXXX. I am writing to urgently address a critical matter regarding inaccurate information on my credit report. The incorrect reporting has had significant negative consequences on my reputation, financial well-being, and ability to secure credit for personal and housing needs. As mandated by law, those responsible for furnishing information to consumer reporting agencies are obligated to ensure its accuracy. The information you have reported is unquestionably inaccurate, causing real harm to both me and my family. I called Self Lender on XXXX to explain my credit report isn't updated and its holding me back from closing on my 1st home. The rep stated that my account was closed due to non payments. I proceed by saying that's not accurate I paid this account off. The rep went on by saying the last time they reported to all 3 agencies was on XXXX and its accurate, which didn't make any sense to me whatsoever. I went ahead and read my ( Paid ) report to him which was the following ... ALSO ATTACHED A PHOTO XXXX Account Stats : Derogatory ( Last Reported XXXX XXXX XXXX  Account Status : Paid ( Last Reported XXXX ) XXXX Account Status : Paid ( Last Reported XXXX ) ALSO MY XXXX SHOWS ALL GREEN AS PAYMENTS XXXX Payment Status : Current ( Last Reported XXXX ) XXXX Payment Status : Late 60 Days ( Last Reported XXXX ) XXXX Payment Status : Current ( Last Reported XXXX )
Consumer complaint received 2021-05-19
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. Credit acceptance has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by Credit Acceptance removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CHECK INTO CASH INC. (KS)

CHECK INTO CASH IT WAS PUT INTO HARD CREDIT INQUIRIES 3 TIMES IT SHOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX IT HURT ME NOW THEY DID I WANT Them to be REMOVE OFF MY CREDIT SINCE I FINALLY PAID OFF MY PAYDAY I HAD WITH THEM I PAID ON XX/XX/XXXX I PAID IT OFF WILL NOT TAKE OUT AGAIN. I feel this need to removed for my credit inquiries since been paid off the paid loan, will never take out again.
Consumer complaint received 2024-01-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

XX/XX/XXXX we vacated the home. The home was left clean with minor wear and tear after 7 years in the home. After 2 years I realized we didnt get the Security Deposit back which I thought we did because my boyfriend handled that part. I received a collection on my account from fair collection and outsourcing company stating we owe a XXXX for damages to the home. After sending In pictures that I took upon vacating the home the company agreed to settle for XXXX. I believe we owe a balance for the last months rent because the money orders were never received and I dropped them in the drop box personally. We had to go back to the bank and get our money back which I can also provide proof of the money orders for that month. I also have emails stating that a payment was supposedly mailed back to us but we never received that payment. If we did they should be after to pull up the time and day the check was cashed. To say we owe a balance is one thing but to say we left that home damaged I will not stand for. 
I would like proof of everything they supposedly fixed in that house since it was left so damaged. If even got the carpet cleaned even though I knew they would replace that. If I need to get that receipt for them I can!
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

XXXX from TSI called from XXXX, saying he is collecting a ~ {$22000.00} debt i owe to XXXX XXXX from XX/XX/2019, and how would i like to pay this debt. that's impossible, as i've never bought anything from XXXX, and never bought anything for that much money. obviously a scam.
Consumer complaint received 2024-01-16
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-01-16
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)

I'm " XXXX XXXX '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX Balance : {$900.00}
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (VA)

Target Red Card is holding payments that I have sent to them and that have cleared my bank. Today is XX/XX/2020 and there are payments that cleared my checking account on XXXX and XXXX XXXX that are not reflected in my available balance. The only way they will release the funds is to do a conference call with my bank which is unfair to me as a customer. I have a {$250.00} credit balance but only less than {$70.00} available credit. They have done this at least 3 times and I've only had the card since XXXX. They should not be allowed to hold payments for such a long time after a payment posts. It is unacceptable to need to do a conference call with my bank to be able to use the funds that they're holding hostage.
Consumer complaint received 2018-01-16
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. (AL)

My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.
Consumer complaint received 2024-01-16
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. (CA)

On XX/XX/ I reported that my wallet was lost, and that my i.d . and debit card were inside. There was an unauthorized charge on my XXXX XXXX checking account which was at a XXXX XXXX branch that ended up being {$3000.00}. reported this to the FTC and my incident report number is XXXX. I also reported this to the FBI as fraud. I need this to be taken off my credit report immediately please.