davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the XXXX XXXX XXXX Act of 1999.
Consumer complaint received 2023-07-01
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX  XX/XX/2023
Consumer complaint received 2023-10-18
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. (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.

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 inaccurat
e.
Consumer complaint received 2023-12-01
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. (CA)

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, XXXX XXXX Experian XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX XXXX XXXX these inconsistencies this file must be deleted please.
Consumer complaint received 2023-07-01
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. (TX)

TRANSUNION HAS PROVEN THEY DO NOT CARE ABOUT THE CONSUMERS DISPUTE PROCESS, instead the ensure to protect their customer the business that pays big money for their service. The last thing that TRANSUNION WANTS TO DO IS UPSET A CUSTOMER AND LOSE THEIR BUSINESS, EVEN WHEN THE BUSINESS IS WRONG. 

TRANSUNION DOES NOT PROVIDE A COPY IF THE BUSINESS RESPONSE THEY JUST SAY THE BUSINESS RESPONDED, they were correct so the derogatory remark stays.
Consumer complaint received 2023-12-04
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)

THIS IS WITH FTC ATTACHMENT On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a credit balance of {$1900.00} due to multiple payment posting. The money was taken out from my credit card on XX/XX/XXXX, after initiated on call on XX/XX/XXXX. But it has not been credited back to my bofa checking account as of XXXX. Something that i can do online and credited in minutes. Why is bofa trying to earn interest on my money and depositing on time or leaving in my card as credit balance.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, XXXX, equifax, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX because I have made complaint with the FTC XXXX XXXX XXXX State Attorney and the XXXX I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-04
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. (WI)

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

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-06-29
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. ()

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 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 2023-06-29
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: JPMORGAN CHASE & CO. (NJ)

on XX/XX/2019 JPMCB CARD SERVICES agreed to close my account after being paid in full. Currently 4 years later this account is still reporting on my credit after being closed and I am aware that this is illegal. I reached out to the company but was notified I should contact my reporting company.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I sent the attached letter to XXXX. I also called to try to resolve these two issues. Issue # 1 : When COVID-19 forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling, and 4 ) shows payments.Issue # 2 : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when XXXX had been auto-deducting payments monthly, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I sent the attached letter to XXXX XXXX. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of XXXX I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. XXXX XXXX refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling XXXX and 4 ) shows payments which were not applied to my account.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I sent the attached letter to XXXX XXXX. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. XXXX XXXX refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling XXXX and XXXX ) shows payments which were not applied to my account.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Beginning in XX/XX/2023, my account was hit with numerous fraudulent transactions ( as indicated in the provided spreadsheet. ) I attempted to submit fraudulent transaction claims online but the system does not allow you to submit any type of online claim. I then called in ( as indicated by the online system ) and explained that I was receiving unexplained credits and debits to my account. I requested assistance in getting these debits and transactions to stop. Unfortunately, the bank failed to take necessary action. There have been a number of companies involved in this issue, including XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Prior to XX/XX/2023, I had never had any issues with these companies. At this point, the moment I deposit funds into my checking account, it is immediately debited. I asked Huntington to close this account and open a new one since they do not appear to have taken any action to prevent these companies from debiting money from my account and they have refused. They also refuse to stop the unauthorized transactions on my account. I tried to open a checking account at another bank and was denied, thanks to the severe credit impact caused by Huntington 's negligence. I have been unable to pay my credit cards because I need a checking account in order to make payments. At this point, my credit has been destroyed and I am forced to use cash.
Consumer complaint received 2023-10-18
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$9000.00}
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

CXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.