davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

The letters are stated with items and issues.

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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not believe Transunion is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my report.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

The letters are stated with items and issues. 

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 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ULRS, Inc. (GA)

I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters to the collection agency as well as the credit bureaus requesting validation of date that includes my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. and disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to XXXX which has caused a turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit history.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit history.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I have already sent letters to the Credit Bureaus to update or remove incorrect / previous addresses on my Credit Report. However, it has been more than 30 days but to no changes at all. I have submitted all necessary documents such as a copy of my ID and Proof of Address which shows my identity and current address, respectively. I also reported this matter to FTC.
Consumer complaint received 2023-06-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-19
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: MoneyLion Inc. (WA)

On XXXX I was contacted by my debit card company, XXXX XXXX XXXXXXXX, asking if I approved an Instacash withdrawal. I had not approved or had knowledge of this transaction or Money Lion Instacash company. XXXX suggested that I cancel my current debit card with XXXX as it appeared that someone unknown to me had my personal information and had made this transaction using my information. XXXX cancelled my debit card and issued another card. On XXXX, I noticed another debit on my BOA account by Money Lion Instacash that I had no knowledge of. On BOA advice, the account ( not just the debit card ) was cancelled by XXXX, funds from that account were transferred to a new account and a fraud claim ( # XXXX ) was started and completed with XXXX, concluding that these were fraudulent transactions. I was advised by my Fraud Identity professional ( XXXX XXXX XXXXXXXX XXXX  ) not to contact Money Lion regarding this until I received a debt collection notice from them. I had never received correspondence from Money Lion regarding opening this account or being delinquent on the account ( that I did not open ). My credit report now shows that I have a delinquent account which is adversely affecting my credit for an account that I did not open or authorize. I have called Money Lion to inquire about this account, and notified them that I did not open this account. They will not give any information that I request such as " my '' mailing address, email address, or contact information on their file. I sent an email to them with the police report that I initiated with XXXX XXXX Sheriff Department but have not received any correspondence from them in return. ( The police report was filed XXXX but due to back ups in their system was not released to me until XXXX ) Please help me resolve this. I have attached corresponding documents. Please let me know if you require any other documentation. Thank you, XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 a debt validation letter was sent to XXXX XXXX disputing the charges they've illegally placed on my credit report. XXXX did not verify my claim and update the account information on my credit report. 

This is a violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete the inaccurate information immediately.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (IL)

Previously I had rented a small storage unit. The company XXXX XXXX XXXX has been offering a new customer offer for {$1.00} paid for the first month. A week prior to the month ending I received a {$70.00} bill from the company, the manager of the company said that I needed to also pay for the following month, with reluctance I paid the amount. Then closed out the unit and got my remaining things a few weeks latter. Now I am receiving phone calls from Allied Interstate LLC, claiming that I still owe money for the unit. The collection company has called me non stop, and has been using malicious practices to try and collect the debt. The number for Allied Interstare XXXX. The reason I am reporting this is because I believe it is a scam, again all monies were paid for the storage, and considering that the unit was closed out a month and half ago, it seems very suspicious for this company to be calling. Please let me know if you have any questions- Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Equifax is NOT reporting a real estate account from XXXX XXXX XXXX XXXX, # account # XXXX. This account is 25 years old ; opened in XX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}.

After speaking with XXXX XXXX XXXX XXXX, they say they report to EQUIFAX every month, but this account is not listed on my credit file. The monthly bill is attached.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

While looking at my credit reports I have noticed the following account had a discrepancy in the " account status '' section of. the listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " open '' account. 
Because of this apparent neglect in assuring everything In my report is accurate, consistent and up to date pleaso " DELETE '' this Item immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.
Consumer complaint received 2023-06-19
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. (OK)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (TX)

On XX/XX/2018 I received a letter in the mail as a response to my debt validation request. AR Resources, INC did not provide me a HIPAA release form that releases my medical information to them. Therefore providing me with medical records is a violation of my HIPPA rights. I am a litigious individual and I am willing to seek legal remedy to file suit against AR Resources , INC . I am also willing to file a complain with HHS and OCR for the violations of my HIPPA rights. I urge AR Resources, INC to take this serious and to remove this debt from my credit report. AR Resources INC does not have permission to contact me by email, phone, or us mail. All communication is to be done through this cfpb portal.
Consumer complaint received 2023-06-19
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (GA)

Hey, I have a prepaid with Albert, my payroll comes to this account, however in the system my routing number was correct but the last 4 digits of my account number was not, so my pay was sent to wrong account, contact customer service with Albert, lot of back & forth messaging, state for me to contact direct provider, am confused, they are my provider, we corrected everything with my employer by putting the correct last 4 digits in the system, we did our part, then I was to call Albert, no resolution at all, just contact your direct provider
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (AZ)

comenity vacation club credit imposed itself as a creditor without my knowledge nor consent.as part of a timeshare agreement without documentation collection phone calls have attempted everyday at all hours of the day even after giving notice for such activties to stop.COMENITY BANK VACATION CLUB  XXXX phone number XXXX, XXXX XXXX are other numbers used by comenity vacation club to harass without mercy.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

When i opened my Macy 's XXXX in XXXX of 2022 for special interests rate. 
When i got my first bill which was early XXXX and was due on the XXXX of every month I tried to register my card online. On doing so I couldn't register my CC where i called MACY 's XXXX and got no help, they said to order another card. I made them aware that my payment is due where I shouldn't have to order a new card for this issue that there was a problem with their website. I got no where with them letting them know i couldn't make a payment. This went on for another 2 months with the same issue also they failed to document their system that i called about this issue. So in XXXX I called and spoke to a manager to get the late and interest fees taken off where they wouldn't do it because i haven't make a payment. I explained to the manager my issue and told i called several times explaining my issue but to no avail he wouldn't help me. I was able to finally add my CC to their website and was able to make a payment. On top of that being called several time a month by their CS harassing me about a payment where i told person my situation and they were no help. I keep getting harassing phone calls and i was making payment but just enough to where i was only going to paying what i owe which was {$200.00}. I then call their CS again at the begging of this month to get help which i didn't get explaining to them i was only going to pay what I owe and that i wasn't going to pay any interest or late fees. So as of today Macy 's is still harassing me with hitting my credit score where i was over 750 and with this XXXX i'm getting from them my score has dropped well over 100 points for them no helping me. They keep damaging my credit score constantly which i call harassment. To this date I have paid my {$200.00} bill from XXXX but their still wanting me to pay interest and late fees where I WILL NOT pay those due to their no CS plus be harassed. 
PLEASE HELP, stop them from hitting my credit and remove them from my credit report.