davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I submitted both an FTC report as well as an online dispute concerning inquires that were not authorized by me. As soon as I unfreeze my credit report for access through my current employer, random companies will gain access to my credit report. I did not place any applications anywhere nor did I authorize the institutions to pull my report. I mentioned this to Equifax and also sent in documents to substantiate my claim, but instead I was treated as a thief, liar, and a common criminal. I am a confirmed victim of Identity Theft and my information was utilized without my knowledge or consent by a relative that committed an overwhelming amount of fraud against me. Instead of trying to assist me I was met with skepticism and disrespect by Equifax. Equifax has also failed to assist me in the removal of an account that was also as a result of Fraud. I was advised by their ( Equifax ) Fraud department that the account would be removed, but instead I am calling everyday and asking questions only to be hung up on and transferred to various departments that I have no necessity for.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus XXXX XXXX Equifax, XXXX XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-08-03
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. (MO)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-08-03
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. (NY)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / Experian / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In 2018, I walked into the store XXXX XXXX  to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, XXXX the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise XXXX that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell XXXX I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called XXXX at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called XXXX and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by XXXX. I have disputed this entity on my credit report for years, and was advised by an Experian employee agent to file a complaint with your company.
Consumer complaint received 2023-02-28
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/20XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$5800.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Consumer complaint received 2024-11-01
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. (MD)

Ive been trying to get my late payments removed from my XXXX, XXXX, XXXX and XXXX XXXX XXXX  cards for months. I keep getting the run around and my score keeps suffering from this misuse. Its getting bad to the point that this is impacting my JOB ; my employment status. Guess what, no job, no one gets money because I would have to file bankruptcy.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-10-30
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. (IL)

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. 1 contacted XXXX, Transunion, and XXXX to reinvestigate this accounts : XXXX XXXX XXXX  Account number : XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modity accounts that aren't reporting correctly. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. Due to the inaccurate reporting and fraudulent errors reporting on my credit report, this has dropped my credit score XXXX points. My credit score was XXXX from hard work and dedication and responsible consistent maintenance. In addition this is a business account and responsibility is legal bound to business and by law should not be reporting to my personal credit report only to XXXX  number under the business. This inaccurate reporting error and violation is financially devastating for me and is a complete hindrance for my financial future and current livelihood. With such a drastic decline in my credit score I am unable to buy a house, obtain credit and provide from my family provide for my family. I am currently suffering from XXXX and XXXX  and emotional distress due to this situation.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (MN)

On XX/XX/2022, I went to XXXX  in my town that I live in XXXX  mn, I was going to withdraw XXXX dollars, when I put my card in and put in the amount, it said to remove your card, I went to put my wallet in my back pocket, and when I went to retrieve my money the machine sucked it back in, I did not leave the machine, I called for XXXX  customer service and somebody came over and spoke with me, they said that they have nothing to do with the ATM, so I called the phone number off of the ATM, they said that they know that I did not receive any of the money, so then I called my card and they said that I had to file a dispute, they gave me no address to send it to, I didn't have a pencil and paper with me, to write down anything, that has really put me in financial distress, that is what I live on is my social security, I have talked to them 3 times and it is always the same response that they are doing a investigation, I just want my money back, I don't know how that they can keep my money, I don't know why they won't give it back, that's my money not theirs, thank you,
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (NY)

In 2018, I walked into the store XXXX XXXX to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, Acima the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise acima that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell Acima I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called Acima at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called Acima and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by Acima. I have disputed this entity on my credit report for years, and was advised by an XXXX employee agent to file a complaint with your company.
Consumer complaint received 2022-08-03
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


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 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 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-03
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)

Good morning, I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for Experian to block and remove these fraudulent accounts within XXXX days under FCRA 605B. I have attached a copy of my police report, FTC report and XXXX to support my claim. Please obey the law and block and remove these fraudulent accounts immediately. In the past, I would send your company letters as well as upload documents on your website portal and your company would always lie and tell me that the documents were illegible or you did not receive my mail even when I have sent certified letters with read receipts. I have spend a lot of time and money disputing with Experian. Please block and remove these fraudulent accounts IMMEDIATELY : XXXX. XXXX XXXX Account number # : XXXX XXXX. XXXX XXXX Account number # : XXXX XXXX. XXXXXXXX XXXX Account number # : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} XXXX. XXXX Account XXXX # : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number # : XXXX XXXX XXXX XXXX BANK Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number # XXXX Balance : {$1800.00}
Consumer complaint received 2023-02-28
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Name XXXX XXXX I fell for unemployment back in XXXX XXXX XXXX  XXXX the payments were going Bank of America account that they have a contract with XXXX of XXXX I called the prepaid XXXX Bank of America XXXX XXXX order a replacement card at that time I was told that I had XXXX money in my account I I didn't understand what was going on I had kept money and the account for the emergencies and I didn't touch the money and actually destroyed the card and never called to get a replacement card. I believe I destroyed the card sometime in the middle of XXXX I requested copies of statements and credit slips of purchases I have yet to receive any of the copies of statements and I haven't received not one statement I haven't received not one credit step I have not received any type of documents regarding why my account is out of XXXX balance I've contacted the Bank of America maybe four times a month each month since XXXX maybe even more than that and now they're stating that the XXXX which is my sponsor has put a block on the account and they can not give me any information regarding the money and my funds are transactions. I contacted the XXXX which is a sponsor that applied those payments to the account they state that there's no block there's no they haven't closed the account they have nothing to do with that side of the transaction once they submit the payment to Bank of America that's all they do they can't see funds they can't go into the account they have nothing to do with any type of disputes but the XXXX department is stating that this is what is going on and that's the reason why they can't give me any information regarding my account I don't know what charges that are on my account like I haven't received not one statement I asked for statements between XXXX of XXXX XXXX of XXXX I made these requests back in XXXX I have not received any statements any credit slips with signatures or any type of identifying information regarding these transactions I don't know exactly how much money is involved like I said I have not received any documentation all I was told that when I put into dispute which was actually on XXXX XXXX they have Down XX/XX/XXXX XX/XX/XXXX and it was closed on XX/XX/XXXX 3 days later with the denial of the disputes I have a police report as well
Consumer complaint received 2022-08-03
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. (PA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-08-03
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)

This is my fourth 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 Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX XXXX Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened XXXX XX/XX/2015 Balance {$23000.00}.