davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (CA)

In accordance with the fair credit reporting act.The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX BANK XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2022-04-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX CONTACT # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

EXPERIAN : Creditor : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : US BKPT CT XXXX XXXXXXXX Ref # XXXX XXXX : Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX. XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor XXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-25
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-22
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: ALLY FINANCIAL INC. (AR)

I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT TARGET WAYFAIR AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.
Consumer complaint received 2022-12-04
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: Nationwide Credit & Collection, Inc. (IL)

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under on open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Theres inaccurate information on my credit report theres several wrong addresses that I never lived and it doesnt belong to me I never lived in Connecticut theres another address that state that I lived at another unknown address can you guys please reinvestigate this reporting.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

I canceled the external bank transfer of {$15000.00} on XX/XX/2022, but the fund is still unavailable ( pending ) as of today ( XX/XX/XXXX ). I have contacted the representative via online chat or phone 3 times since XX/XX/XXXX, and each time I was given the misinformation that the transaction would be settled within a day or two. On XX/XX/XXXX, a representative told me I need to wait, and after I complained about my experience, he transferred me to someone in the dispute department, who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. 

Moreover, I was unable to add another external bank account ( XXXX XXXX ) to my Citibank online. I believe Citibank is creating obstacles for linking external banks that do not use XXXX. ( Error message : " Access Blocked For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. '' )
Consumer complaint received 2022-04-26
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 has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance : {$1200.00} US SM BUS ADMIN ODA Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-11-04
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. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2022-04-26
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. (MN)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$150.00}, Original Creditor Name XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX ( Opened XX/XX/XXXX, Credit limit {$650.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$12000.00} ), XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$180.00} ), XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$990.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX XXXX, XXXX, XXXX {$790.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (CA)

Financial Credit Network , Inc. has committed several violations and the negligence committed by XXXX XXXX XXXX XXXX. This is a frivolous collection, the original creditor failed to notify me of any past due bills after I called in XXXX and closed the account. I was told there were no payments due, despite me giving them my forwarding address there was no notices sent to me. 

Also there is no original contract he creditor has that allows them to report this to my credit report. The collection company also has doctored the date of last activity and is reporting inconsistent information across all XXXX credit bureaus, despite my dispute with them. 

I request that your company deletes the account from all credit reports. The account information is as follows : Account # XXXX, date opened : XX/XX/2021, original creditor : XXXX utilities. 

Please see attached document.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Dimand Law Offices, P.C. (DC)

Filed a lawsuit in XXXX XXXX Illinois on a fraud account and I do not reside in XXXX XXXX or even the state of Illinois I informed them about the above actions and they are more concerned about collecting money that I do not owe. I have not answered to any lawsuit nor have I been served because I do not live in Illinois and I have conveyed that to Dimand Law firm This law firm along with key note collections tend to pray on poor XXXX and XXXX people in XXXX XXXX Illinois they flood the court system with XXXX and XXXX people with the notion of strong arming, embarrassing and con-Ing poor XXXX and XXXX people XXXX 

I have never signed a contract for a credit card and there is no proof that I have. This law firm operates shady practices targeting poor XXXX and XXXX people and should be dealt with by the FTC.
Consumer complaint received 2022-04-26
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 acXXXX 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 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 report agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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. (HI)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXX XXXX XXXXL XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX  XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act -XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX 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 report agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. the accounts listed below : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
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. (HI)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2022-04-26
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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. 

I have asked Experian, and XXXX for proof that this XXXX XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that Experian XXXX and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX XXXX with a response telling me to provide a copy of my Id and social after that no more responses. I have tried calling XXXX XXXX network and they are very rude and mean. and just tell me they are going to sue me and take all my earnings. 
so my question is if I cant get propper validation from XXXX XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive labeled each section of inquiries according to which bureau they are being reported on below. Approximately two weeks ago I filed a dispute with the credit bureaus to have unfamiliar inquiries removed from my credit report. Most of the inquiries listed in my dispute letter were removed but for some unexplained reason others were not. Below are the remaining inquiries I need removed. These inquiries are spread out across the three major credit reporting agencies transunion, XXXX, and XXXX Thank you for your time and efforts, its very much appreciated. 

TRANSUNION XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX