davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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 they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Upon receiving certain debt collection letters and subsequently reviewing my credit report, I recently discovered that I am the victim of Identity theft. Specifically, I have discovered that certain Affirm, Inc. accounts, numbers XXXX, XXXX, XXXX, have been fraudulently opened in my name and without my authorization. I have no knowledge of these alleged charges and I dispute owing this debt. It appears that Affirm , IncXXXX XXXX XXXX XXXX ) is reporting these debts on my credit report and is attempting to collect the same
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been attempting to work with this credit reporting agency since XXXXXXXX XXXX XXXX I reached out several times to request that corrections be made to my credit profile. They continue to report the WRONG name, addresses, accounts, and inquiries. I am a victim of identity theft. There were people who had the same name as me who impersonated me and opened accounts in my name using my information. After bringing this to the agency 's attention, they continue to report it. I have specifically requested that my NAME be reported as XXXX XXXX XXXX as this is the exact way that I use it any time I apply for anything. This agency 's failure to do so allowed the thieves to use my information. This agency is in FULL violation of FCRA laws 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1681b . They have allowed multiple entities to access my information without having a permissible purpose or my authorization.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Phoenix Financial Services LLC (CA)

I came back from a few weeks out of Town. I checked my mails on XX/XX/XXXX and for the very first time I got this mail from Phoenix Financial Services Debt Collection at XXXX address : XXXX XXXX XXXX XXXX XXXX Fishers IN XXXX for the amount of {$2000.00} from a XXXX  XXXX XXXX Services way back XX/XX/XXXX. As far as I know I'm not aware that I owe any company or medical services such an amount. I never receive any bills from this company and from any collection agency in the past until this Letter from them dated XX/XX/XXXX for which before I even send back my reply -- They already sent a derragatory mark on my credit report. I have a good credit score history of XXXX plus then because of this my Bank alerted me of my credit report score declined due to this Debt collection report on my credit. I'm informed it's for an ambulance service for which I only had once in my whole life and it was medically necessary and I have a HEALTHCARE INSURANCE Benefits coverage throughout my life in the USA and it was covered and paid for by my medical insurance backed then because it was medically necessary ( i passed out ) Someone called the ambulance and I was treated in an emergency facility. Suddenly after too many years without getting any bills on that incident because it was all paid for as medically necessary this Collection Agency is ruining my life and I'm being destroyed that I owed this much. It's not right and it's not fair. Someone might be stealing my identity or using my past history to scam me? On that part I'm not sure what's going on but I'm totally disputing this action done against me by this collection agency. Please help inform and advise me on this matter. I need my credit report to get fix. I already disputed this to XXXX XXXX XXXX and in a process of filing a police report. I would need these Dispute reports confirmation document from your office to send to XXXX as they requested for it. Thank you. XXXX XXXX
Consumer complaint received 2022-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On or about XX/XX/2022 the Bank of America closed out my savings account without warning or without explanation. The account that got closed is the same account that i use to pay for my brother-in-law 's needs who is in a memory care unit in XXXX XXXX, i XXXX XXXX Massachusetts so it's XXXX that my savings account be restored. I don't know why Bank of America is doing this. I am the Power of Attorney for my brother-in-law and i have done nothing to deserve this treatment. Please help me resolve this issue!
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (TX)

i submitted numerous of disputes and called the reporting agencies to resolve issues on my credit report and all i received was refusal to send me to the right departments and even calls hung up in my face
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-11-16
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. (UT)

I am a consumer attempting to correct inaccurate and unverifiable information on my consumer report. There is information that is in violation under the Fair Credit Reporting Act. A specific account which is a collection account on my consumer report is reporting inaccurately. The company has a duty to follow federal law and is in violation of the FCRA. This company has not properly verified this account. Please remove this account. 

Account : XXXX XXXX Amount : {$1200.00} Account Number : XXXX
Consumer complaint received 2023-04-09
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed/ XXXX : # XXXX XXXX XXXX : # XXXX these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information.

Experian, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but Experian isnt doing its job according to the law.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (ID)

I received a call from Bonneville collections ( ref # XXXX ) on XX/XX/XXXX & talked to XXXX. I requested to have proof of the collection via email. He said he can not do that. He said that theyve emailed me this information ; however, I never received this email. He says he has proof that the email went through without issue so I asked him for proof of that so I could see when it was sent and he said he could not do that. I said how do I know hes not some scammer trying to get money from me. I said I needed something in writing to confirm the charges. He said he can not do that either. So I said how can I confirm this is real? He said to come to the XXXX location. Then accused me of yelling at him. I wasnt yelling, but dumbfounded that he couldnt send me anything I dont think thats right. The bill was for my son XXXX from XX/XX/XXXX at XXXX XXXX. I then called them asking why I didnt receive a bill. After talking with their billing department they were able to see that somehow the communications such as billing was turned off. 
I paid them the same day and she was able to fix my account. I dont think its right that he couldnt send me anything to prove that he was legitimate. I finally received a letter in the mail today XX/XX/XXXX, but its already paid. How can someone collect without any proof?
Consumer complaint received 2022-11-14
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. (SC)

I am submitting this CFPB complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$800.00} - You have no right to continue reporting this account on my Credit File since this account was already deleted from the other Credit Bureaus XXXX Under the Fair Credit reporting Act, Credit reporting must be accurate. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXX XXXX Balance Owed : {$3600.00} - This account was already removed from the other Credit Bureaus therefore must also be deleted from your Credit File. Only if your record keeping had been accurate, this account should have already been removed from my Credit File. Under the Fair Credit Reporting Act, I need you to please remove this account from my Credit File as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain your help in attempting to resolve the current issue.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK (LA)

I have been trying to cancel my Commerce Bank XXXX  card for XXXX months, since XX/XX/2023. I do not use the card and have recently been scammed twice and am very concerned about identity theft. I have made it clear to XXXX different Commerce Bank customer service representatives over the phone that I URGENTLY wish to cancel my account, and yet my account is still open. Every time I call, I wait on hold for more than a half hour before I can speak to anyone, then the person says they can't help and transfer me to someone else and I wait for XXXX minutes again. I spent an XXXXXXXX XXXX XXXX XXXX on the phone approximately XX/XX/XXXX and finally someone at least said they'd send me the paperwork even though I was away from home and working in another state and told them I wanted my account closed immediately. I am not home and the paperwork never arrived. My account is still open. I just tried calling again and was on hold for another XXXX minutes but gave up. I've wasted at least XXXX hours trying to cancel this account and have been unsuccessful despite telling people on the rare occasion I actually get through that I urgently need to cancel my account. I see no way to do so online. Very irresponsible and stressful.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

i had have just finished a dispute in whice i provided a diposition of the court and onceagain your company ignorewd the law and continues to be un ethical. your company and i have never been in business and you have yet to provide me something where allowed my private credit information to be shared the deposition of hthe court i just provided showed my incarsaration on XX/XX/2016 yet you violate my right, it clearly states that if i am not notified bi mail or phone and conatct most be made if not credit remark must be removed yet you ignored the court document and the public information. this is searchable so now thios will also be my notice of intecnt and i beleiev a whole year of pain and suffering is in order.
Consumer complaint received 2022-12-17
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. (CT)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX