davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof 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. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (DE)

XXXX @ XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, Account # XXXX : Alleged amount owed {$2000.00} XXXX financial : Address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX, Account # XXXX : Alleged amount owed {$300.00} XXXX : Address, XXXX XXXX XXXX XXXX, OR, XXXX Account # XXXX : Alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX Account : XXXX alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX XXXX Account XXXX XXXX Alleged amount owed {$120.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX Account # XXXX Alleged amount owed {$1100.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX  XXXX XXXX ALLEGED AMOUNT {$3.00}, XXXX The collections above has been reported as past due balances. I do not know these companies I have never done business with these companies these companies do not have a contract with my signature. I would need them to take this off my credit report and do not try to put it back on my credit report or I will sue them for violating my rights. 

15 Us code 1681i reporting inaccurate information.
Consumer complaint received 2022-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof 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. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Consumer complaint received 2021-12-09
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im unsure of how my credit keeps getting pulled. All Creditors should be calling me at XXXX to verify Im applying for credit!! I keep getting Alert saying someone apply for credit in my name. Im also getting alerts saying my email and personal information has been Compromise XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please see attached FTC report and Delete information from my credit file.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (FL)

In the month of XX/XX/XXXX i disputed a late payment that had been paid and in XXXX of XXXX the investigation ended by Federal law the reporting agency has 30 day to complete a full investigation with it failed to do. 

In accordance with The Fair Credit Act XXXX XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A.I have the rights to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer agency CAN NOT furnish an account without my Written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a Credit card under an open end credit plan as late.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The credit card company billed extra charges that were not on the on the contract, a bill was made every month a year after the last date of the regular repayment cycle. The credit card company continues to send bills for a amount over the original credit amount that was agree and paid in the original contract time frame. A second closing date closed the account without notification after speaking to them about missing money. 

It is suspected to be fraudulent activity. 

My card balance is missing at lease {$80.00}
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXXDuring this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.
Consumer complaint received 2022-02-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2021-12-09
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$25.00}
Consumer complaint received 2022-04-24
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. (MS)

XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXX.During this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting XXXX XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IN)

I lost my job recently and I am unable to pay my credit card or consumer loan. I let it default because I was keeping that money to pay my mortgage however my bank stole the money from my checking account to pay up the credit card and consumer loan. I need this money back so I can keep my house. I contacted several people with the bank and they refused to reverse the transaction. I bank with Navy Federal and have done so for several years.
Consumer complaint received 2022-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I lost my mobile device in XXXX of 2022, and I subsequently changed my phone number, so I have been unable to access my account. Affirm keeps telling me that my bill is past due, and keeps threatening to negatively affect my credit score if i don't pay my bill, but i ammlocked out of my account and they won't let me back in tinder the balances or make payments. They sent me a text message asking if it was okay to charge the card they have on file for {$190.00} towards a loan on my account. I responded with the requested confirmation to proceed with the transaction, and they're still telling me that i have an unchanged balance on my account. They were able to authorize that payment, but can't authorize anymore until I've racked up so many late payments that they've induced a reason to deny me credit in the future, or charge me exorbitant interest rates onnfuture purchases, based in my " failure to make on-time payments on previous loans ''. They're already setting up a pretext for future discrimination of credit and/or adverse action taken on an existing account ; and there is absolutely nothing that I can do about it, because they won't even let me make my payments. They refused multiple times to let me into my account and won't give me any information, such as balance due, adjustments made from refunds and payments, and the last time I spoke to them on the phone they told me they would get back to me in 2-5 business days which was over a week ago. I believe this is happening because i lost my temper in the XXXXwith a representive who asked me the same questions that I've been asked a dozen times on the same call session ; and they got offended. I see right through their actions. I can see their intentions. I become extremely agitated and defensive when i feel that I'm being singled out or treated unfairly, such as now with Affirm.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (GA)

I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are Accounts that are misleading and incomplete. Therefore I request that you investigate these Accounts listed below. 

XXXXXXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$14.00}
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (GA)

I received a copy of my credit reports in XX/XX/XXXX from XXXX, XXXX, and Experian am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

XXXX XXXX XXXX received letter on XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 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 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2021-12-09
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: ALLY FINANCIAL INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. ALLY FINCL account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( ALLY FINCL XXXX )
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

portfolio recovery, {$850.00} last reported XX/XX/XXXX XXXX i disputed as account not mine i also have a fraud alert, they have not deleted. also a account for {$2200.00} last reported XX/XX/2022XX/XX/XXXX
Consumer complaint received 2022-08-18
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. (MD)

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  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Bank XXXX XXXX XXXX. XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

The interest was not was the lender originally discussed. The terms of loan are not what lender discussed. The lender lied about rates and terms of loan. For almost a year year I did not have access to statements. Also the lender threatens to repossess car and continues to call after being asked to stop.
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (SC)

I.C. Systems has called repeatedly. I told them I couldn't pay the debt and they would have to wait until tax time ( I actually do pay medical bills with my tax refund ). Since then, they have been flagging my account with the same bill over and over again. I have gotten several notifications from XXXX about I.C. Systems flagging my account. My credit score has went down XXXX points because I.C. Systems keeps reporting the same bill over and over again. They have reported it 4 times in the month of XX/XX/2021.
Consumer complaint received 2021-12-09
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: CITIBANK, N.A. (NY)

Notice, it is a Fact, that, I, XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. 

Notice, it is a fact, XXXX  is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry CITI CARDS CBNA XX/XX/2020 as seen on my report in Exhibit ( 1 ). 

Notice, it is a fact, XXXX is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and CITI CARDS CBNA is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Consumer complaint received 2021-12-09
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. (CA)

I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX, has violated my rights Account # XXXX XXXX, has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX had violated my rights Account # XXXX XXXX XXXX  has violated my rights Account 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