davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Consumer XXXX Co has violated my rights. 

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

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-06
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. (TX)

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX  XXXX XXXX / XXXX XXXX XXXX {$1000.00} Account number XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Account number XXXX I have attached a copy of my identify theft report
Consumer complaint received 2022-12-03
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. (NY)

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 XXXX XXXX Account last XXXX digit # 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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OH)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
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 an account without my written instructions. written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2023-06-14
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. (FL)

I am submitting this Complaint to demand that the Credit Reporting Agencies correct their reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Also this account was previously removed and yet the Credit Bureaus reinserted the account without letting me know. Under the Fair Credit Reporting Act, the Credit Bureaus are required to let the Consumer know about an account 's reinsertion on their Credit Files, however, the Credit Bureaus disregarded these responsibility and continued to reinsert the account without my knowledge. I need the Credit Bureaus to correct their reporting and Completely remove the disputed account off of my Credit File as soon as possible. The account XXXX XXXX account number XXXX with an alleged Balance : {$15000.00} must be removed completely from my Credit File for erroneous and misleading reporting.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA Federal Savings Bank listed a charge on my monthly statement in the amount of {$270.00} dated XX/XX/XXXX that was listed as " XXXX XXXXXXXX CUSTOMER XXXX XXXX XXXX TX XXXX XXXX 

As I live in XXXX, XXXX and have not traveled anywhere near XXXX XXXX, TX I inquired immediately regarding the charge and listed this as a possible fraudulent transaction. They reissued a new card and stated they would investigate. 

Over 3 months later on XX/XX/XXXX I received a phone call from USAA claiming this was a XXXXCard present ' transaction and therefore could NOT be fraudulent. They dismissed the possibility of a cloned card and could offer no further information on the merchant which is over XXXX miles away from where my physical card transactions occur. 

I informed USAA Federal Savings Bank that I no longer had confidence in their banking services, that I wished to cancel my account, and that I would be filing a complaint with the CFPB.
Consumer complaint received 2022-10-12
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (LA)

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

XXXXXXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. ACCOUNT # XXXX LOUISIANA XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU . ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX 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 2022-09-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts # LATE PAYMENT - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK - 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I applied for a mortgage in Delaware this past summer. This is the law before you can see real estate in Delaware as your credit score must be known and approved. There was a lock on my credit score and for 3 days both the mortgage broker and I tried to unlock my credit with Equifax ; we could not do this despite my calling and calling Equifax and getting a different story each time I called. Equifax would not put me through to a manager. 

Issue 2. Phoney XXXX XXXX  credit card " discharged '' in 2017 for {$380.00}. I applied for a {$50.00} gift card and I was scammed into a XXXX XXXX  credit card instead with an unwanted credit limit of {$4000.00}. I already have a XXXX XXXX  card with a credit limit of {$3000.00}. I filed with NJ Consumer Affairs and my complaint was sent to Washington attorney general 's office but XXXX XXXX  did not answer in a timely manner. A few weeks ago, XXXX XXXX  tried to scam me, yet again, by pretending to look into their phoney business dealings with a " XXXX Executive officer '' lady and then telling me I could pay the {$380.00} for the " charged off '' credit card that I never requested in the first place. I never got a bill for this {$380.00}, I never charged anything except a slice of pizza and a soda on what I had ordered was a " gift card '' not another {$4000.00} XXXX XXXX  credit card. Please help me as I want to buy a condo in Delaware and not pay a higher interest rate because of my phoney, scamming XXXX XXXX  and Equifax, too.
Consumer complaint received 2020-11-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! 

The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests.
Consumer complaint received 2022-07-09
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)

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 2022-09-27
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)

XX/XX/2022 XXXX XXXX Solutions sent me a letter in themail as a 3rd party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated three ( 3 ) of my consumer rights.

Unfair Practices - 1692F any unfair means to collect alleged debt False or Misleading Communications -1692E false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Consumer complaint received 2022-09-27
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (UT)

On or about XX/XX/year> I called American Express to cancel a business credit card. There was an outstanding balance on the card, but assumed I could pay it after the card was closed. Importantly, I was never told by the agent on the call that payments would be rejected after the card was closed. After I closed the card I made the payment on the outstanding balance. The payments however keep getting rejected. This has caused my consumer credit card to continually get declined. I called American Express to explain the situation and they were unable to help until they could verify funds, but my bank is closed on the weekends. I have been unable to use my consumer credit card because American Express did not tell me I had to make a payment before closing my business account.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

ChexSystem Consumer ID : XXXX My Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Chexsystem have been reporting very low score on my name. 
I have been denied bank account opening with few credit unions due to wrong reporting by ChexSystem. 

Following is Facts on my account. 
1. I never have checks return due to insufficient funds. 
2. I was never late on payment or credit card or Loans 3. Almost all accounts I have opened or try to open is saving or Certificate of Deposit Accounts Due to ChexSystem Error or wrong reporting I was not able to open accounts with many credit union and lost opportunity to earn interest. 

I personally believe either ChexSystem has wrong information on my name or whole Reporting System in unfair and deceptive. It should be corrected as soon as possible and also correct system so in future person like me can not be victims of wrong or incorrect reporting by chexsystem
Consumer complaint received 2020-11-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report. 
They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Credit Corporation (TX)

Avant has put my credit card on hold for two weeks now and I didnt get anything done on my account no letters no phone calls and they are holding me responsible for a minimum payment for the fraudulent charges and they are taking too long with the Investigation and I need to use my new credit card and move on ... and Im not getting anything better from customer service and Im slowly losing my patience ... and I would need a payment wavier or some kind of status on my investigation
Consumer complaint received 2022-09-30
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: NAVY FEDERAL CREDIT UNION (CO)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2020-11-18
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: I.C. System, Inc. (FL)

On XX/XX/XXXX collection agency I C SYSTEM added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and im requesting legal action to remove this account immediately
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The problem is. Transunion, XXXX and XXXX are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to my credit report.