davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (PA)

Letter submitted to Equifax XXXX XXXX XXXX in XX/XX/year>. Again thru their portals. Each bureau is reporting charge offs, past dues & balances owed on discharged accounts. Nor do they have comments and remarks in comment section " dischaged ''. These errors are keeping me from getting a fresh start and being denied credit. It's against bankruptcy laws.
Consumer complaint received 2022-04-24
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. (MI)

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 Bankruptcy -Reference XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 2022-04-24
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)

XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2022 Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made when : XXXX Made with : Equifax Made by : XXXX XXXX when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America advertises a " Notary Service '' for it's Checking Account customers in California. This is publicly disclosed on the website ( https : //www.bankofamerica.com/signature-services/notary/ ). 
I attempted to avail this service at the branch in XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I had an appointment in place taken from the Bank of America mobile app. 
However, on arrival, the bank staff inform me that they are unable to notarize the document in question since it isn't a Bank of America originated one. This, in my opinion, is misleading customers on the features & facilities available with their checking account. Given that a Notary Public is a service sanctioned by the Secretary of State, it is highly unreasonable to limit the services. If such services are to be limited, the bank should clearly state on the website.
Consumer complaint received 2022-04-24
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)

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status UNPAID
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX XXXX XXXXXXXX returns an error for all XXXX credit score providers. 

I am a XXXX citizen that has been living XXXX for almost 10 years. I will soon move back to the XXXX and need a credit report so I can apply for a home loan. During that time I have always maintained XXXX bank accounts and used XXXX credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a XXXX address and phone number. I have neither as I have been living XXXX To attempt to retrieve my credit score I used my last mailing address from XXXX and my old XXXX phone number ( to which I no longer have access ). I am unable to provide my current, XXXX address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for XXXX, XXXX and TransUnion, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for XXXX XXXX attempting to retrieve a credit report while living XXXX. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status UNPAID
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

Yes my Barclays credit card has been given to me XX/XX/2022 I used the card account and everytime the alert for purchases popped up I clicked I authorized them then all of the sudden they said for me to call because they thought fraud on the account even though I authorized it like I was supposed to do i I called XXXX times and was told I could use it that it was fixed now I still can't use it this is ridiculous they have done it before to me and I couldn't use the account for over XXXX  months I want this fixed
Consumer complaint received 2022-06-28
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 XXXX XXXX # XXXX and # 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 and account without my written instructions.
Consumer complaint received 2022-04-23
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. (OR)

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 an account without my written instruction 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make a 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.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc. (FL)

Aidvantage student loan have agreed to take advantage of of my information by bating my data into an agreement of forbearance and have not proven identity of proper procedures. 

As well as cred cards information show on my my credit that i have not consented to within the recent 6 months showing on my credit report. 

automobile loan from more than 7 years ago which i no longer have showing on my report.
Consumer complaint received 2022-04-23
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: BARCLAYS BANK DELAWARE (CA)

The following accounts show on my credit reports, I do not owe money to these companies I'm asking for immediate deletion On my XXXX Report : Delete the XXXX XXXX  account ( # XXXX, opened XX/XX/XXXX ). 
Delete the BARCLAYSBK account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX XXXXXXXX account ( # XXXX, opened XX/XX/XXXX ).
Consumer complaint received 2022-04-24
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. (MA)

In accordance with the Fair Credit Reporting has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-24
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. (NY)

In accordance with Fair Credit Reporting and 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 an account without my written instructions.
Consumer complaint received 2022-04-24
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. (CA)

XXXX XXXX is reporting an account on my credit. XXXX  XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.
Consumer complaint received 2022-04-24
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. (GA)

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from Transunion and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on XXXX, Transunion, and XXXX.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NY)

To : AVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Explanation request and APPEAL dispute findings Dear Sir or Madam, I am writing this letter to have fraudulent charges removed off my credit card. The credit card advertises ZERO Fraud liability and should follow the Fair Credit Billing Act for customers as myself that are victims of fraud and theft. I received a letter that you have completed your investigation and found that the transactions is/are authorized and valid dated XX/XX/2022 the same day you placed charges of {$680.00}. 

I informed your company Fraud management services- of all that occurred and the steps I had taken. I will report again what has occurred and the steps taken. Respectfully, at this point I am requesting a supervisor or management to handle my request. 

My purse was stolen on XX/XX/2022, my AVANT credit card was in my purse and used fraudulently WITHOUT MY PERMISSION. The merchant at XXXX should have followed theft/fraud safeguards and requested identification from the person using my credit card and compared signatures for the two purchases : {$200.00} and {$480.00} which was not done! The charges were reversed on XX/XX/2022 and re-applied XX/XX/2022. 

Steps taken : -Police called and incident reported ( provided to fraud management services ) -Spoke with Detectives and was informed they do not give police reports to civilians. The credit card company can call them, and they can inform them what is in the report to confirm @ AVANT request ( YES, AVANT credit card is listed in the report ). This was not done to assist in my fraud dispute. I was willing to do a three way so I can be on the line and so all parties are in the loop. 
-Contact Assistant District Attorney to get the confirmation and take those charges off my credit card. 
-A request with the XXXX  unit at XXXX XXXX XXXXXXXX was requested, -there is no date or timeframe for receipt. 

-- -- -Original Message -- -- - Subject : XXXX Online Verification Request Confirmation XXXX  Thank you for your online verification request XXXX Complaint Number : XXXX DOF Form Number : Transaction Date : Thank you for your order. This e-mail will serve as confirmation that your online verification request was received. Please do not reply to this e-mail. 

Please keep this for your records. 


I had no charges on my card and now am expected to pay for fraud and theft charges that I did not make - AGAIN- I need for those charges to be taken off my credit card. I expect a thorough re-investigation to my fraud dispute, outreach and investigation into this matter and removal of the charges from my credit card.
Consumer complaint received 2022-09-10
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-09-10
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)

Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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 21 days before the payment due date. In accordance with the Fair Credit Reporting act 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 consent. Equifax Information Services LLC was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. Equifax Information Services LLC is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO Equifax Information Services LLC WERE SENT A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. Equifax Information Services LLC has caused severe stress and XXXX  due to the abusive and unfair practices.
Consumer complaint received 2022-04-24
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. (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 1681. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-24
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. (CT)

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX Account Number # #, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written consent.
Consumer complaint received 2021-10-22
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. (PA)

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX