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. (TX)

In accordance with the fair reporting act the following companies have violated my rights XXXX. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX 's account # XXXX XXXX. XXXX credit account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX. XXXX XXXX, LA XXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft Report
Consumer complaint received 2022-06-22
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 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 XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
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 information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or instructions.
Consumer complaint received 2022-09-23
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. (TX)

The TransUnion Credit Bureau have not complied with the Fair Credit Reporting Act of the Federal law. I have been sending dispute letters as well as CFPB complaints to them and have been waiting for their response and yet I received nothing. The account XXXX XXXXXXXX with an alleged Balance : {$2600.00} was already deleted from the other Credit Bureaus and is only reporting in TransUnion Credit Bureau XXXX Under the FCRA, Credit Reporting must be accurate. It makes me wonder if TransUnion really did investigated my Credit File, and if TransUnion did the same action as the other Credit Bureaus then how come TransUnion is the only one reporting the disputed Account. Also, I have been constantly reminding the TransUnion Credit Bureau that I have been a victim of identity theft and that the disputed items were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies ( TransUnion ), are required to remove the items that resulted due to identity theft. I need the following items deleted as soon as possible : XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

XXXX XXXX XXXX account # XXXX ***********BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
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. (FL)

In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 in consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-01
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX DEPARTMENT OF EDUCATION Accounts # XXXX, 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Nothing has been corrected, copies has been provided.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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 information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or 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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXXAccount # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy. 

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy. 

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a BOA Visa credit card for approximately 28 years. When married, my husband had charging privileges. In XXXX I deleted him from the card and started divorce proceedings. I have been paying the card down since then as he has run it up substantially. I have not been charging on it lately. 

I save my mileage for trips, plane tickets and rely this as I am on a limited budget. BOA credit cards have always had a " no expiration '' on mileage policy. They have never taken back mileage from me until now. I looked at my mileage on XX/XX/XXXX and noticed that my mileage was less than 50 % of what it should be. I called and spoke with their customer service rep and was advised that I have only been a member since XXXX, which is 100 % false. I was advised that each month they have been taking mileage from me once the mileage hit 5 years of age because they expire. So basically, every month in XXXX, BOA takes my earned mileage back when it hits XXXX XXXX XXXX. I was told that I should have been notified of this each time. I HAVE NEVER BEEN NOTIFIED THAT THEY ARE TAKING MY EARNED MILEAGE BACK. I would have used the points! The representative claims that this is the type of credit card that I have. I have never had this type of credit card with BOA, whereas they take my earned mileage back. I googled BOA mileage expirations, and my research indicates that BOA mileage does not expire. I was told that my current non-usage of the card has nothing to do with them taking my mileage back. I really need my mileage back as I plan to take a trip soon.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I was scammed XX/XX/XXXX for two transactions off {$200.00} from a zelle scam. I was selling an item on XXXX XXXX  XXXX and the buy had a fake zelle account making me send extra money for a business account. Ive contacted my bank before and they said there is nothing they can do about it and its up to zelle.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

Best Regards, 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The unknown inquires listed below are unknown to me and have shown up on my credit report. 
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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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  Account NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-06-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX,XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXX Account # XXXX, XX/XX/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 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.