davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-09-29
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)

The unverified accounts listed below are reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-09-29
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. (NJ)

The unverified accounts listed below are reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-31
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. (TX)

I have tried to reach out to the Experian credit reporting agency everyday isnt i realized my identity had been stolen and then they have sent me a email accusing me of lying about my identity theft and didnt allow me to defend what ever information that they where getting didnt provide me with info I cant. See if it was taken off or not they have been very one sided and seem to favor the companies and not the truth and dragging this out i know just because Im on the XXXX  and dont catch on as fast i know when something is not right ive been trying to lear these things with them for over six months then i went to the library and they explained that i was battling the identity theft so Im learning the steps slowly but surely but i would have known if they would have helped me six months ago when i was trying to reach put and if they would have put the note explaining a lot of ppl have my information and i have been in data breaches the note on the account would have prevented the misuse of information and the approval of accounts I dont have a aretaker as of know because my grandmother has passed Im working o getting help through services in my area before my family steals the rest of my belongings.
Consumer complaint received 2023-11-29
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)

I am currently in the midst of buying a home, and during the examination of my credit report, I discovered unforeseen damages that are impeding my progress in the home-buying process. Despite multiple attempts to reach out to this account ( s ), expressing my concerns and requesting assistance in resolving this issue, I have not received any support or resolution, despite their awareness of the violation and also sending them requested documents of a Police report, ID, and SSN as I am a victim of identity theft. 


In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681.

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

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # 2 Current address # 3 Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX a. XXXX XXXX XXXX, XXXX, Florida XXXX was my previous address 3. My current employer is Blue Origin According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

REOCCURING VIOILATION Capital One Credit.deliberately fails to report " ACCUATE '' balance informtion on my XXXX XXXX XXXX credit report. On XX/XX/2022, my balance was {$330.00}, On XX/XX/2022, a payment in the amount of $ XXXX made and posted to my account on XX/XX/2022. As of XX/XX/2022, was {$160.00}. On XX/XX/2022, according to the Capital One automated system, my balance was {$160.00} and a payment for the amount {$160.00} was made on XX/XX/2022 confirmation code : XXXX. As of XX/XX/2022, my balance should be ZERO!!!! Instead Capital One Credit generated a statement stating my account balance was $ XXXX be paid by the XX/XX/2022. Capital One Credit violates Truth in Lending Practices and Fair Credit Reporting. I should not have had to pay {$2.00}. On XX/XX/2022, the pay of {$2.00} was paid and posted to my account. On XX/XX/2022, According to my Chase Journey Credit Report, Capital One Credit states my balance is {$330.00}. The information is incorrect and I am demanding Capital One Credit correct the in accurate information IMMEDIATELY. Also, notify the other credit reporting agencies of the correction.
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

As of XX/XX/2022 I receive notification from the XXXX program from my state that I was preliminarily approved for mortgage assistance. A portion of the email specifically states : Please note, however, that we can not issue final approval until your application has been verified by your mortgage company. Once approved, your servicer will receive the payment from SC XXXX on your behalf. 

Your mortgage servicer has been alerted to the next steps that they will need to take for us to send them payment for your account. 
I promptly notified the mortgage servicer and was told by my single point of contact XXXX XXXX that a certain department has not received any indication that I was approved for assistance. Each time I inquire about it I feel like I am getting the runaround. I offered to provide the phone number to the XXXX program, as provided in the email but that information seems to be avoided. I do not understand why it is so difficult for my mortgage application to be verified so that way the program could process the payment towards my delinquent amount.
Consumer complaint received 2022-09-29
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. (NC)

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 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX Co Balance XX/XX/XXXX XX/XX/XXXX Amount {$700.00} XX/XX/XXXX Delinquent Classification INSURANCE THE ABOVE COMPANY WAS NOTIFIED OF THE ACCOUNT NOT BEING MINE AND USED IDENTITY THEFT, YET THE ACCOUNT WAS PREVIOUSLY REPORTED TO ME AS REMOVED DUE INCORRECT REPORTING AND WAS ASKED TO REMOVE IMMEDIATELY AFTER NOT FURNISHING THE PROPER DOCUMENTATION.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I defaulted on a debt with XXXX XXXX way over a decade ago. After XXXX  years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!
Consumer complaint received 2022-09-29
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. (TX)

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, 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. 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 2022-09-29
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. (NC)

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 2022-09-29
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. (NC)

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 2022-09-29
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. (NC)

Violation of consumer rights Improper use of report In accordance with fair credit report act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 Sec 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion credit reporting comp is making me hard for me to establish any lines of credit due to my credit scores are decreasing like crazy every time I go up to a XXXX and above mark is dropped right back down to a XXXX or under which it makes it hard for me to establish any lies of credit or even seeking housing. I have hired Attorney company name is XXXX. XXXX and XXXX XXXX has been hired to remove these negative items that I've been advised and been informing them for years that does not be long to me has been proven. They are not they are not aby my account Shortly find out they've been reattached. All kinds of techniques has been used to decrease my credit scores not understanding my bank account is attached to the credit reporting system and they come up with a score. XXXX XXXX of XXXX My credit report is supposed to be up around XXXX and above with TransUnion but continue to drop. Is this a technique for the government because these account has been paid and it's showing I have paid rent and which is not being credited on my XXXX XXXX and all of these documentation is attached and I'm gon na attach them down all below recipt account paid off. I have noticed the same account company call milestone tomebile. Has ran my credit XXXX times within XXXX  months which also would affect my credit scores amongusly XXXX  XXXX firm instructed me they will place complaint with Washington DC.against Trains union these complaints has been going on too long.
Consumer complaint received 2022-09-29
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)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-09-29
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX/XXXXXXXX
Consumer complaint received 2024-10-31
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. (NJ)

I made a purchase from XXXX using XXXX 's credit card ( ending in XXXX ) and I had a mis a payment. XXXX XXXX  who is the provider of the credit card reported mis payment and my credit score decreased by XXXX points on XX/XX/XXXX. When my bank informed me via email of the change in credit score, that's when I checked and realized I had an outstanding payment. Because XXXX 's do not send any emails or paper statement I forgot to pay. I subsequently paid the outstanding balance. After that payment I received a late fee of {$77.00} and I paid that too. Then I received another notification from my bank that my credit score had decreased again. When I check my credit report, it decreased by XXXX points because XXXX reported that I owned {$2.00}. 

I called XXXX and asked what was the {$2.00} for because there is no statement on the website explaining the {$2.00}. I was told its interest on the late fee that I had already paid. I asked why it was not included in the late fee itself and not after the fact. I paid the late fee as soon as it was posted on XXXX 's website. After contacting XXXX on XXXX different occasions the {$2.00} was withdrawn from the outstanding balance but the damage to my credit report remains. 

I think XXXX XXXX is conducting fraudulent practices and I begged for someone to please look into this matter so that my credit score can be corrected.
Consumer complaint received 2022-09-29
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)

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX