davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (ME)

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 right to privacy.

As stated in 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, at no time gave anyone written permission to place anything on my credit report. Also if you look at the company website it states the following ... XXXX XXXX XXXX  On the FAQ section it states also... 

Will XXXX, XXXX remove the account from my credit reports after it has been resolved? 

Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Consumer complaint received 2022-06-26
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. (CA)

I am writing in accordance with the Fair credit reporting act XXXX Account #, 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 consent / instructions. 
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 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am showing a bankruptcy being reported from the county clerks to my credit. I have verified this information with the county clerks office and they informed me that they do not report to any of the credit bureaus. I submitted this information to the creditors showing that the count clerks office does not report this information to any of the 3 credit bureaus. When disputing this information due to ( FCRA ), 15 U.S.C. 1681 this information should be removed from my credit. I received my dispute back stating that they have confirmed the information and it is accurate and they are leaving the information as is. I am filing this complaint because that information is inaccurate and should be deleted.
Consumer complaint received 2022-11-07
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. (TX)

i paid off an account with XXXX XXXX and Experian Refused to update my account balance and status after thy have been Notified almost 2 months ago. Experian is doing this willfully intoner to make me look very bad to lenders and to destroy my image to lenders which is a violation of FEDRAL LAWs on their part. i have a letter to prove the facts of this matter and if CFPB found that they have violated my rights i will like to pursue a Law suit against EXPERIAN. I have spoken to several reps of Experian and they have refused to update my account.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (FL)

In Accordance with the fair credit reporting actXX/XX/XXXX account numbers # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX bank, XXXX & XXXX account # XXXX Dept of education/ XXXX account # XXXX Violated my rights. 

Usbk court middle Florida # XXXX 15USC 1681 Section 602A States I have the right to privacy. 

15ISC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

Hi, I have a debit/checking account with Discover Bank XXXX I received a fraud notification from them via email Friday ( XX/XX/XXXX ) evening and they advised me my account was frozen and I need to contact them at XXXX. I immediately tried to view my account on the mobile app and also my web browser but the account is not displayed and I simply see a warning to call them. I promptly called the XXXX # and it said there was a higher than expected call volume and the hold time was 3 hours. I waited on hold for a bit and was disconnected. I tried back first thing Saturday ( XX/XX/XXXX ) morning and I was routed to another department that couldn't assist because I needed to talk to security and they open in 45 minutes. I promptly called back at the 45 minute mark ( XXXX XXXX  CST ) and I received the same " greater than 3 hour wait '' message. I tried back half a dozen times during the day on XX/XX/XXXX and received the same message. I also tried the regular customer service line because a " greater than 3 hour wait '' seems quite ridiculous. They told me there is no other choice but to wait " greater than 3 hours ''. I tried again this morning promptly at XXXX XXXX  and again " greater then 3 hours '' wait was given. 

My account is frozen and I am unable to access my funds, I have called numerous times and waited a few times only to be disconnected. I have also spoken to regular customer service and they refuse to assist me in accessing my account. I do not know what to do at this point.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (NY)

Hello, To whom it may concern, I am writing this letter today out of desperation after using the ZELLE option available on my XXXX banking application. 
On XX/XX/2022 sent out {$1900.00} and {$1.00} in order to check if the account was correct but the person in question never answered my text messages and I proceeded to send the total amount needed for their services. 
On XX/XX/2022 sent out {$2000.00} and on XX/XX/XXXX sent out {$2000.00}. 
Total sent out {$5000.00}.

The party told me that they have never received the money. They claim that they do not have the money so I will not receive the services. 
I think that the money might have been sent to the wrong person by using the wrong phone number on ZELLE. Either way, I am being victim of a SCAM because the party that received the money is not returning it to me. 
After trying to contact ZELLE by phone and by email several months, finally I was told that I can not deal directly with ZELLE, that I need to call my bank XXXX which I used their services from. 
I called to file a claim with my bank XXXX and was given a reversal money payment on XX/XX/2022. I could not open the message on the XXXX application so, I thought that justice had been served and that I won the claim, I therefor transferred the money back to my savings account but on XX/XX/2022, XXXX reversed the money and took it back. I still have not received a claim status!!!! Now, my checking account is overdrawn and I was charged overdraft fees. 

I really need your help because ZELLE is refusing to cooperate with my bank XXXX, and I am not allowed to get the information of the person that kept my money to pursue them in civil court. 

Waiting for your return, Thank you so much, Sincerely,
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC (TX)

The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting XXXX and Bmw financial.I would ask respectfully that the last page of the documents.That not my signature on the contract for BMW.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of BMW is on the face of the report as well as XXXX dates and a letter of XXXX
Consumer complaint received 2022-06-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair credit reporting Act, XXXX XXXX BANK Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also the credit bureaus took more then 30 days.
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
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. (CO)

XXXX Fed loans that have been paid and closed are reporting outdated information. I sent a request on XXXX/XXXX/2022 to remove the outdated XXXX year history - its over XXXX YEARS OLD. 

I got a response that it was " verified '' - It may be verified but its outdated and needs to be removed from my credit file.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX  XXXX Account # : XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the
Consumer complaint received 2022-06-26
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. (CO)

Three Fed loans that have been paid and closed are reporting outdated information. I sent a request on XX/XX/2022 to remove the outdated two year history - its over SEVEN YEARS OLD. 

I got a response that it was " verified '' - It may be verified but its outdated and needs to be removed from my credit file.
Consumer complaint received 2022-06-26
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. (NM)

In accordance with the fair credit reporter act XX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX # xxxxx XX/XX/XXXX Acct # XXXX XXXX Bank Acct # XXXX
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (OH)

Discover banking froze my account on XX/XX/XXXX due to unusual activity. As of XX/XX/XXXX I have spent a total of 20 hours on hold with there security team which hangs up after a 3 hour hold time. Upon finally reaching someone I was directed to a manger who had a terrible phone connection and offered to call me back. That was 5 hours ago and no call back has been attempted. I have an entire paycheck ( {$4400.00} ) tied up by this company who are impossible to contact to regain account access. Currently they are putting myself and others at risk for unplayable bills due to being uncontactable for resolution.
Consumer complaint received 2022-06-26
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. (FL)

In Accordance with the fair credit reporting act XX/XX/XXXX account numbers # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX bank, XXXX & XXXX account # XXXX Dept of educationXXXX XXXX account # XXXX Violated my rights. 

Usbk court middle Florida # XXXX 15USC 1681 Section 602A States I have the right to privacy. 

15ISC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-06-02
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. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the Equifax Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

My mortgage credit history was 100 % and always current. We refinanced and the history of XXXX years of perfect payments dropped and tanked my score due to length of credit history which should be 30 years. This is unfair! Now it says 4 year history.
Consumer complaint received 2022-06-26
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. (PA)

XXXX and transUnion show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me
Consumer complaint received 2023-04-04
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.