davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: P.S.C., Inc (CA)

XXXX. Puget Sound Collections has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report. 

XXXX. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt. 

XXXX. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation. 

XXXX. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information. 

XXXX. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

XXXX. XXXX XXXX XXXX XXXX, Puget Sound Collections and the consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

XXXX. Any and all consent to XXXX, XXXX, XXXX, Puget Sound Collections whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

XXXX. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

Please delete all complaints associated with this email and personal information below. You and the credit bureaus do nothing to help the normal citizens of this country. It is nothing but a waste of time, no one checks anything, follows up on anything because you dont care. Im sure if I was in this country illegally you would handle immediately and offer even more credit, insurance, phone, place to stay, etc. Im an American citizen and nothing has been done to help me. I will take a different approach and I promise you all will be exposed of how you do nothing but forward complaints back and forth and no one checks anything. Please erase me from your system. You guys are absolutely worthless!
Consumer complaint received 2023-06-30
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-12-07
Product: Credit reporting 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. (FL)

I did not authorized the followings inquiries : XXXXXXXX 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 2023-12-07
Product: Credit reporting 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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-06
Product: Credit reporting 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)

XXXX XXXX XXXX IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2023-12-07
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)

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX XXXX XXXX XXXX  I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I requested documentation from the creditor and have not been provided proof. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with negative/chargeoff late payments that continues to hinder my credit profile. This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX XXXX XXXX Your assistance this pertinent is greatly appreciated, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

Hello, I am unable to make my payment online. When calling to ask why no one seem to know and keep sending me around in circles. When I input my information, via card number ss # etc. There system does not recognize my information but when I call to make a payment on phone pay there is no issues, what the use of having online system to attempt to make your payment and always something wrong. Please correct these issues immediately. 

I have been a customer for some time, and they refuse to give me a credit increase but have a policy in place for new customer but do not value old customer that's very unfair and a lack of injustice. In creating a policy there should have been a policy for all not just new customers and not offer your old loyal customer anything. Other credit when that change their loyal customer come first instead, I got talked to very bad by a member of management.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I was on section 8 program they never made a payment to XXXX XXXX in XXXX and the apartments charge me but I keep looking and calling and finally got XXXX XXXX to reach out on their site it says it was fraudulent activity after their investigation but Experian has not updated why I have no idea I really need this off as soon as possible I says I owed XXXX and the company went to court and put this on my record XXXX their name now is XXXX view please help
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

This is a following up complaint of complaint XXXX. 

Chase Bank has been holding {$30000.00} of my funds for over six months, without providing any updates or resolution. Initially, Chase stated that they were unable to verify a check I deposited due to issues with phone numbers for the maker. Despite my cooperation in providing the information requested, Chase has not taken additional steps to verify the check or resolve the issue. 

I am concerned about the lack of transparency and effort from Chase to verify the check through alternative means, such as contacting the issuing bank or reviewing the deposit documentation. The extended delay has caused significant financial strain, and six months is an unreasonable length of time to hold my funds without any clear progress.
Consumer complaint received 2023-12-07
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My information with Equifax has been breeched and I have attached proof. 

Equifax refuses to delete the following accounts : XXXX  Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX XXXXXXXX XXXX 
Account # XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX. 
Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

PLEASE DELETE THESE FROM MY CREDIT REPORT IMMEDIATELY AS I AM A VICTIM OF ONE OF THE LARGEST DATA BREACHES TO THIS DAY.
Consumer complaint received 2023-12-06
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. (NY)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, XXXX and TransUnion removed from my credit report.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, the each of the accounts directly violated my FEDERALLY PROTECTED CONSTITUTIONAL RIGHTS to privacy & confidentiality under : - US CODE 15 USC 16.81Sec . 602A. ( states the CONSUMER has the RIGHT to PRIVACY ) - US CODE 15 USC 16.81Sec . 604A. ( states the REPORTING AGENCY MUST OBTAIN the CONSUMERS PERMISSION ) - US CODE 15 USC 16.81C-A Sec.5 ( SHALL NOT release ANY adverse INFORMATION, OTHER THAN records from convictions of crimes which ante date the said report by more than 7 years. ) - US CODE 15 USC 16.81S-2 ( A ) ( 1 ) ( states the said REPORTING AGENCY SHALL NOT share information with the idea some info is or could potentially be inaccurately displaying information... )
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 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. Or 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 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. Or 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 2023-12-07
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. (WV)

All my XXXX XXXX loans were consolidated with XXXX back in XXXX 2023 ( READ THE DOCUMENTATION ) whereas experian has been showing XXXX XXXX and XXXX both at same time. Experian also one of the only 3 credit bureaus that still list them as active. Where is Experian getting this data that it's still active because it's not XXXX XXXX as I have a XXXX balance, which is attached.