davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (MI)

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. 

Account name : XXXX XXXX XXXX  XXXX has violated my rights, Account name : XXXX XXXX XXXX XXXX, has violated my rights, Account name : XXXX XXXX  XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXXXXXX XXXX  XXXX, has violated my rights, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : 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 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.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (AZ)

I AM DEMANDING THAT SAGESTREAM AND XXXX XXXX AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
Consumer complaint received 2022-10-07
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: Exeter Finance, LLC. (IL)

I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to Exeter publishing my information per the CRAS. Exeter is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (UT)

I have a mortgage loan with LOANCARE. they are reporting to the credit burau the account is " FHA REAL EA+STATE LOAN ; ACCOUNT INFORMATION DISPUTED BY CONSUMER.

I called the company and said I no longer dispute the account information and would like this removed. The company said to fax a written request to a number they gave me and they would remove this. I did this. they didnt remove it. I called back and they said they refused to remove this information and laughed at me. I asked why and they said because they do need to change this regardless of the fact I dont dispute this information. They are refusing to remove this so I have to continue to pay them higher interest than the market
Consumer complaint received 2022-07-12
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. (NJ)

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( XXXX, XXXX & TransUnion ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor
Consumer complaint received 2022-06-23
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (NY)

I called Rocket Mortgage to inquire about a HELOC and specifically asked them not to run a hard inquiry on my credit, but only give me general information. While on the call I got an alert from XXXX XXXX and from XXXX that there was a hard inquiry on my credit about a mortgage refinance. I then asked about it and the representative lied and said he didnt run a credit check. I then read the alert to him out loud and he then admitted to doing to and said he was doing me a favor. I asked for his boss and he put me through to his director who said he would look into it, and call me back the next day. He hasnt called me back. He also claimed he could and would undo the hard inquiry, but didnt do that either.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against American Coradius Interantional LLC for committing identity theft. I have never given American Coradius International LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both equally liable for violations under 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with American Coradius International LLC and my failure to. dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving American Coradius International LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from American Coradius International LLC before they decided to commit numerous violations under the Fair Debt Collection Practices Act. American Coradius International LLC is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me and my financial reputation for an alleged debt that has not been validated. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activity, of this and any alleged debt until American Coradius International LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and American Coradius International LLC continues its collection efforts, I will file for litigation for actual damages caused and American Coradius International LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (GA)

Events started in early XXXX ( documented in the attachment ) when Chase 's fraud department violated my privacy and then locked me out of all my accounts. After a week of trying to resolve how this happened and what will prevent it from occurring again, I decided to close my individual checking, savings and credit card accounts. But Chase will not do that.

I have spent hours on the phone and online, I have reached the end of my patience. I want these accounts closed. I shouldn't have to interrupt my day to go meet with a private banker who's only function seems to be dialing the phone and calling the same departments I have to deal with.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-12
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. (MI)

My credit was merged with someone with the same birthday, including year. She tried to buy a car and my car loan showed up in her credit report. She was able to freeze my transunion credit and I came multiple times even sent a certified letter with proper identification, including passport, birth certificate and driver 's license. My transunion credit is now unfrozen but the report is not accurate and I still get this other persons name to pop up when I apply for things. I don't want to call back again, they are not helpful they don't understand and they don't fix the problem. I am young and would like to buy a house with my significant other and this is delaying that! I want it fixed and transunion to be accountable for their error! My experience credit is accurate.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-07-11
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. (NJ)

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, XXXX, Equifax XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

I had monthly recurring ACH transaction on my checking account that I didnt notice until recently when I was doing my taxes. It went back to XX/XX/2022. I normally dont look at my checking because there arent many transactions. So my bank. US Bank would only refund this years transactions saying they are only responsible for 60 days. These transactions were XXXX per month so Im out over {$1000.00}. Im XXXX living on a fixed income so that loss really hurts. 
The company that was withdrawing was XXXX and the company behind that was XXXX XXXX, looks to be a XXXX company if you check their site on the web, all thru the XXXX XXXXXXXX XXXX. There was no notification of a new ACH when this was set up. So all a group has to do is get your account number from a used check, which is terrible. I hope you can help me get my money back.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

Unable to open an Business Account In the branch they tell me that I can not open business account because I have pending amount due but I do not have debts with TD Bank and if there is any debt it must be the product of an account opened fraudulently and the issuie and problems are at the branch in XXXX XXXX XXXX XXXX XXXX FL XXXX They don't want to attend to me and they decriminate me. I do not have negative situations in my consumer report from XXXX XXXX  with TD Bank The bankers of that branch are those that are harming me and discriminating.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion investigation has taken more than 140 days to investigate my initial dispute, and they have still have failed to respond more than140 days later. I wrote to TransUnion requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incompleteon my credit report on XX/XX/XXXX. TransUnion received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter ( XX/XX/XXXX ), and a second follow-up letter on XX/XX/XXXX. To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional day due to COVID, but to take 140 days is ridiculous. TransUnion has failed to provide me anything in more than 140 days.
Consumer complaint received 2023-06-29
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. (OH)

I desputed this XXXX account XXXX and its still reporting inaccurate information and violating my rights under the fair credit reporting act. 1.Date opened is inaccurate. 2. High credit is inaccurate. 3. Last reported is inaccurate 4.Date last active is inaccurate 5. Date last payment is inaccurate 6. two year payment history is inaccurate. and my rights violated under 15 U.S. Code 1681a-Definitions ; rules of construction ( 2. ) Exclusions-Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include- ( A ) subject to section 1681s-3 of this titile, any - ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 15 U.S. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) reporting information with actual knowledge of errors.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 with out my written instructions 15 U.S.C. 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 yrs.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nair & Levin, P.C. (CT)

XXXX arrived at my home on XX/XX/2023 to serve me with papers for debt collection with NO prior communication from the debt collector by mail or phone. 
Summons came from XXXX XXXX XXXX, PC, XXXX XXXX XXXX, XXXX, CT XXXX on behalf of XXXX XXXX regarding a Breach of Contract for a credit card in the amount of {$9000.00} plus attorney fees. 
There is no history in my phone log from the number associated with the summons. 
There were no voicemails left by the party or any physical mail received in an attempt to collect a debt prior to the summons.
Consumer complaint received 2023-01-18
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. (NC)

On ( XX/XX/2022 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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.