davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX  or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (GA)

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 an 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 or 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 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX I worked for somebody on XXXX. He sent me 2 cashier 's checks to my mom 's house. My mother deposited the checks in the ATM. On Monday XX/XX/XXXX, I tried to check my online account to see if there those checks cleared. Bank of America closed my account because they said the checks were bad.They have mailed my balance to my mailing address. 

PROBLEM : I have incurred injuries. My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX. I don't have a house. I don't have an apartment. I pay rent all days of the month. I don't have any other account. So now I am stuck in XXXX XXXX with only a few bucks, No bank account. No funds. No food. No potential rent. No XXXX. I didn't even get the benefit of the doubt. Now my good name is jacked also. " We don't reopen an account once its closed. ''
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (PA)

A bank account was opened in my name without my knowledge. This bank was XXXX XXXX. I assumed their initial notification of a new account with them was a scam or some sort of advertising. Soon after XXXX XXXX  notified me of an account under my name with a negative balance of {$1800.00}. I filed a police report that day ( XXXX XX/XX/2023 ) and it has since been referred to a detective unit. 
The statement shows this was done using Zelle. I do indeed have a Zelle account but with XXXX XXXX and it has seen very little use. I contacted Zelle and XXXX XXXX. XXXX XXXX  XXXX fraud department informed me it was likely that my social security number was used to open an account. Zelle would not divulge any details to me. They informed me I had to contact XXXX Bank, even after I informed them I have never set up an account with XXXX Bank. The account was created by someone else. 
This is currently able to threaten my security clearance process as it proceeds for a new federal position leaving me without employment, or /and it could keep me from procuring housing in the future as the account in question has been referred to XXXX XXXX XXXX XX/XX/2023. 
After this Zelle incident occurred I was informed by the XXXX XXXX  XXXX XXXX department to place an alert on my credit report which I did. I received notification shortly after that a XXXX report was pulled for a XXXX or XXXX affiliate account application ( XXXX XX/XX/2023 ). I was able to quickly call and stop this. I then froze all three credit reports. 
It occurs to me that Zelle in some way had an information breach I was not notified of, leaving me with no ability to defend myself.
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Further to the acquisition of XXXX XXXX US retail business in early 2022 XXXX XXXX failed to implement appropriate systems and controls for the on-boarding of customer information from XXXX leading to errors in addresses and omissions in the contact data recorded for XXXX customers XXXX Furthermore, Citizens lack of appropriate systems and controls prevented customers that had been affected by these errors from contacting the group to discuss these problems. As an affected customer I wrote to Citizens group in XX/XX/2022 to explain my experience and ask for them to ; a. assure me that the lack of appropriate systems and controls would be addressed b. assist me in resolving the specific issue I had experienced as a result of their errors and inappropriate systems. 
Further to raising this complaint Citizens did not investigate the lack of appropriate systems and controls and did not provide an adequate solution to resolve the issues I had experienced. Full details are included in the letters sent to Citizens XXXX on the XXXX of XX/XX/2022 and XXXX of XX/XX/2022 along with supporting documents.
Consumer complaint received 2022-09-02
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: AMERICAN EXPRESS COMPANY (NV)

Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, XXXX, and American Express regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at American Express. American Express informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and XXXX accounts. On XX/XX/XXXX, XXXX removed the two fraudulent American Express hard inquiries from my credit report. However, XXXX didn't. I've reached out to XXXX to have them remove them ; however, they claim that they can until American Express reaches out to them. But when I reach out to AmexXXXX express, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. Amex 's claims are entirely false ; you can confirm with XXXX that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my XXXX to be removed. I can provide proof of my credit report clearly showing one hard inquiry from Amex on XXXX and 3 from XXXX. 



In the attached document, you will see clear proof that there is one hard inquiry from Amex, which is correct in my experience. Followed by three inquiries on my XXXX, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

I received a notice from credit control corporation on XX/XX/XXXX for {$490.00}. I logged onto their website to gather additional information to see if it was mine and the amount online is {$620.00}. This seems like a scam. I would like this to be removed from my name.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (VA)

While reviewing my Experian XX/XX/XXXX credit report I noticed XXXX hard credit inquiries that do not belong to me and are not mine. Please remove them asap as they are adversely impacting my credit score. 

Hard Experian Credit Inquiries that are not mine : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-03-25
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-26
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX, Transunion, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

State Employee Credit Union discriminated against me when I applied for an extension of credit yesterday on XX/XX/2022. They discriminated against me because of my credit history is what was stated to me by a lending supervisor even after I told her the negative items she was mentioning were due to identity theft and I could provide a police report. She still continued to inform me they were discriminating against me. I have attached the email I have sent to the company letting them know my federally protected rights that have been violated by State Employee Credit Union.
Consumer complaint received 2022-08-22
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. (AL)

In accordance with the Fair Credit Reporting act ( AccountXX/XX/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 2023-04-04
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX
Consumer complaint received 2022-09-19
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 the reporting of the following accounts have violated my rights. 
1. XXXX Bank opened XX/XX/XXXX. 
2. XXXXXXXX XXXX  XXXX opened XXXX XXXX, XXXX 3. XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
Per - 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 2022-09-19
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. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 a account without my 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 d purpose
Consumer complaint received 2022-09-19
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. (NJ)

I submitted a dispute to all 3 Bureus and only experian was able to remove some incorrect and negative items from my account. How is it that if all bureus go to the same source and one was able to remove wrong information and not the other. Another thing is all bureus are showing information that does not match and are totally incorrect. Violating my rights to 15 U.S. Code 1681 ( 1 ) and 15 U.S. Code 1666b, as well as Violation of 15 USC 1681b ( 2 ) Permissable Purpose. They concluded their investigation stating items verified but did not provide a verification method on how supposedly the alleged verification was done.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : Transunion : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

TRANSUNION : Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX  : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TN)

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 : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.