davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



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
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX security systems sent an overdue Bill to trans union collections. This obviously ruined my otherwise spotless credit report. The bill from XXXX actually belonged to wife per our divorce decree which I tried to explain to XXXX several times. All they did to fix it as I was promised was to suspend the account and then finally, without my knowledge, sent it to Transunion collection. This ended up happening m my otherwise spotless credit report dropping my score from the XXXX to XXXX, taking me completely out of the game to borrow any money, etc. Although the bill wasnt mine, I paid it and now they wont take it off my credit report- help!
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-05-16
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)

Equifax is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 



XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX 
POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX US DEPARTMENT OF XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX DEPARTMENT OF EDU POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX 2019
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OR)

XX/XX/XXXX : My Identity Theft Protection service alerted me to fraudulent activity on my account. I was told to contact XXXX XXXX XXXX XXXX. Discovered that my identity was fraudulently used to set up an account to purchase 3 devices and 4 lines of service. The charges amounted to {$2500.00}. Account # XXXX. 

XX/XX/XXXX : I completed and submitted an Affidavit of Fraud to XXXX XXXX XXXX XXXX via email, Reference # XXXX. 

XX/XX/XXXX : Received email from XXXX XXXX XXXX XXXX that my claim was investigated and determined that I was NOT responsible for any charges to that account. XXXX stated that they would submit request to the 3 major credit reporting agencies to remove me from any reporting on the account. Copy of the XXXX letter is attached. 

XX/XX/XXXX : Received Alert Notices from my Identity Theft Protection Service with negative activity on my report. I called my XXXX XXXX XXXX, and discovered that there now is a debt collection agency ( Jefferson Capital System ) attempting to collect on the fraudulent XXXX account balance of {$2500.00}.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (SC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.Equifax is govern by 15 USC. And they violated my rights numerous of times I demand the accounts below to be removed because According to 15 USC 1681 I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX inquirys. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-05-17
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (AL)

On XX/XX/2023 I sent out 3 letters to each credit bureau, Experian, XXXX and XXXX. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from XXXX and XXXX bureau, but not Experian. 

XXXX and XXXX provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX, XXXX, XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( Experian, XXXX or XXXX ). I have not received a response in over 30 Days.
Consumer complaint received 2023-05-17
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. (CA)

Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate.

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XXXX the manager at citizens bank keeps lying and not answering questions regarding promotion of {$400.00} for opening account I was told XX/XX/XXXX was when the deposit will happen and she said different date which is a lie. Cause websites says XX/XX/XXXX and she will not show me the info she is providing
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts 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 these 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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

To Whom It May Concern, When I applied for a Credit Card with Synchrony Bank/TJX XXXX XXXX I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that Synchrony Financial engaged in fraudulent behavior ( unauthorized use of credit card ).
Consumer complaint received 2023-05-17
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX