davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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)

According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to Equifax on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. Equifax claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because Equifax did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's 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. '' Equifax clearly did not do any of this! 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to Equifax AND I will attach my credit report showing the inaccuracies that are still reporting. Equifax needs to follow the law and act ethically, or we will seek litigation and {$1000.00} per violation for the financial stress they have caused me. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Attached is my credit report SHOWING they did not do a proper investigation and are still reporting bad information, I will also attach the tracking number for the letter I sent them asking them to make sure everything is 100 % accurate. These credit bureaus need to be held accountable! They are reporting major inaccuracies and harming my financial reputation.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc. (NY)

This company, Beyond Finance, failed to inform me that their method would have a damaging impact on my credit score. They advised me not to pay my creditors in order to allow them leverage to negotiate lower payments for me. They told me that they would pay my creditors with funds that I send to them. They failed to follow through and as a consequence, I received 4 late payments on my credit report, sending my credit score plummeting. I am still suffering from the effects. 
Please advise how I can remove the late payments from my credit report. 

Thank you.
Consumer complaint received 2023-02-03
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality .under 15 USC 1681. 

1. 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 : It also states a consumer reporting agency can not furnish an 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 2022-08-05
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: Santander Consumer USA Holdings Inc. (MI)

XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.

They are reporting negative information on these reports.

15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Consumer complaint received 2022-08-05
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. (FL)

In accordance with the Fair Credit Reporting act EXPERIAN AND XXXX Account # 's XXXX andXXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and XXXX.
Consumer complaint received 2022-08-05
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: Convergent Resources, Inc. (MI)

XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.

They are reporting negative information on these reports.

15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-08-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX AND TRANSUNION Account # 's XXXX andXXXX, 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and XXXX.
Consumer complaint received 2022-08-05
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. (IN)

XXXX XXXX keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt and should not be reporting the debt.
Consumer complaint received 2022-08-05
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. (IN)

XXXX XXXX keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt and should not be reporting the debt.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my deep frustration and to demand immediate corrective action regarding ongoing inaccuracies and discrepancies across the XXXX credit reporting agencies : TransUnion, XXXX, and XXXX. Despite previous dispute efforts, these agencies continue to report inconsistent and incorrect information, affecting my credit profile and causing significant distress.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  XXXX and the credit agencies XXXX and transunion are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting two different account numbers.
Consumer complaint received 2022-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (GA)

I have been applying online to get a personal loan for the past few days. I was contacted by a company called Freedom Plus and the number they called me from XXXX and the name he gave me was XXXX XXXX, he said I would be approved and he sent me the information via email. I went to the website freedomplus.com and everything seemed legit. Until he asked for my bank log in information to verify that my direct deposit which I have had to do with another loan spot so I went with it. Then he told me that he would call me back this morning. So I called my bank last night and noticed my debit cards were missing. They immediately transferred me to the Bank of America Fraud Department and said all my 3 of my accounts were being closed right away because the activity they see is definitely fraud so now I don't have any bank accounts and my XXXX money from the VA will just be sent back until I can open an account somewhere else. Please don't let them do this to anyone else.
Consumer complaint received 2022-08-05
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX 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 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

ZELLE USED BY FRAUDSTERS On XXXX XXXX I sent {$520.00} to On ZELLE to reserve a room to XXXX On XXXX XXXX I sent the balance of {$520.00} to XXXX I was scammed by someone renting a room that did not belong to him. I arrived and the real owner proved that I was a victim of fraud. 

ZELLE and XXXX are complicit with the fraudsters because they refuse to reverse the payments
Consumer complaint received 2022-08-05
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: World Acceptance Corporation (IN)

World Finance keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX World Finance no longer owns the debt and should not be reporting the debt.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (GA)

On XX/XX/22 I used my bank card to rent a car while in XXXX XXXX. There was a deposit hold of {$250.00} and the total charge was {$220.00} for a total hold initially of {$460.00}. When I returned home on XX/XX/22 my account balance was showing a negative balance due to the holds. On XX/XX/22 I reviewed my balance which showed a negative balance of {$180.00}. I contacted the customer service number and was advised to make a cash deposit at a Bank ATM to return the balance to a positive which would relieve some of the Overdraft charges and prevent new ones. When I returned to the states I updated my address to XXXX, GA from XXXX, TN. I had to travel over 200 miles + round trip to get to a US Bank ATM to make a deposit. I was advised to speak to a supervisor regarding refunding the overdraft charges. On XX/XX/22 I contacted the customer service team again after seeing the Rental Car transaction had now appeared again in the account which forced the balance into a negative again. This situation was very alarming as I was not made aware of it the day prior when I spoke with the Customer Service team. The supervisor waffled around about what happened and wasn't able to give confident support of the issue. He eventually referred me to the bank branch in XXXX. I called the bank branch and was advised that if it was a merchant error with posting or a bank error then all of the fees could be reversed. I would have to reach back out to the Customer Service number. I called back and was routed to the disputes department. I advised as best I could of all the information and misinformation I had been provided over the last 18 hours or so. Eventually the agent I spoke with advised they could reverse XXXX of the overdraft charges. There had been XXXX overdraft charges on my account in the past week which is well above and beyond what is to be expected. I also removed the overdraft protection from my account in an attempt to prevent future occurrences like this that appeared to be prompted by some merchant or banking error connected with the rental car payment. I will also no longer be using the bank card for that kind of purchase after this series of events. At minimum, I would like for US Bank to review the scenario and provide a reimbursement of the other overdraft fees that were assessed on the account not only due to the posting error with Routes Rental Car but also due to the stress this has caused and the undue burden of having to travel XXXX miles round trip to deposit cash into the account at the instruction of the customer service team only to be advised the following day that the deposit wouldn't post until the following day and therefore it would not prevent any additional overdrafts.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2022-08-05
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.