davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX  Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX  Account # XXXX : XXXX XXXX Account # XXXX : XXXX Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 it also state 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 items of information other than records of convictions or crimes wich 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 2022-04-19
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account 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 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 2022-04-19
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. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00XXXX XXXX XXXXI ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$4000.00}
Consumer complaint received 2022-04-18
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both TransUnion and XXXX registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ID)

On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use Zelle to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank Zelle email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. 

This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your Zelle account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from Zelle user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on.

For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. 

Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. 
Instant {$650.00} USD into your Zelle account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00}.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out to the company to let them know it was not me however they will not move the hard inquiries that IIn accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate did not authorize. 

Creditor Name Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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. 

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 an account without my written instructions
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX : XXXX XXXX  Account # XXXX : XXXX  Account # XXXX : XXXX XXXX XXXX  Account # XXXX : XXXX XXXX XXXXe Account # XXXX : XXXX XXXX Account # XXXX : XXXXd Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXX : XXXX account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 it also state 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 items of information other than records of convictions or crimes wich 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 2022-04-19
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. (MO)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( 1 ) CHLD SUPRT XXXX XXXX XXXX CO XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute :
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NY)

The Complainant would have call his bank and inform them of the deliberate malicious schemes and campaigns that was occuring only to have said bank turn around and attempt to deliberately withhold The Complainant 's funds and then turn around and deliberately block his card access in an attempt to be XXXX and XXXX him. Those responsible should be fired
Consumer complaint received 2022-05-15
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)

I excercised my rights under FCRA section 611 ( a ) ( 6 ) and ( 7 ) and requested of this credit bureau there method of verification as it pertains to a XXXX XXXX  XXXX account that was been reported on my credit report. They got that request on XXXX XXXX and to this date I have not gotten that method of verification. The Fair Credit Reporting Act gives the credit bureau 15 days after they have gotten my request to provide that method of verification to me. Its now almost a year since they have gotten that request and they have refused to provide that document or delete XXXX XXXX XXXXXXXX account number XXXX from my credit report and this is a Fair Credit Reporting Violation. The Fair Credit Reporting Act states that if the credit bureau is unable to provide the method of verification used to determine accuracy of the information on a credit report then that account should be deleted from the person 's credit report. I have enclosed copies of documents showing that the credit bureau got my request and a list of all the complaints that I have made.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Freedom Mortgage has continued to lose my payments since XXXX or say that they did not receive them. I pay every two weeks and never been behind nor late. I have done everything that I suppose to do as of making my payments on time. I'm always getting lied too or told different stories. I have asked for my new payments for the month of XX/XX/XXXX and they are still refusing to give it to me. Stating that my escrow plays apart in this. And, I was never told that before. My mortgage went up because my insurance went up so since I changed insurance companies Freedom Mortgage still has not yet told me my new monthly payments. First, it was XX/XX/XXXX payment that was missing. Second, it is XXXX and XXXX 's payment missing. Third, there's a shortage in my escrow account. Nobody has been truthful at all. By, law I have the right to know what's my XXXX 's payment is. And, they already received my new insurance policy. And, they are refusing to give it to me because there waiting on a check from my old insurance company. Which, don't have nothing to do with me. I cancelled it and that's all I can do. There's no reason why I don't know what my new monthly payment is. And, one of there agency said that I received the check and I have not received nothing at all period. The sad part is that they have the money and acting as if they did not received it. Here 's a complete breakdown. XX/XX/XXXX 1st partial for XX/XX/XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX XXXX partial payment for XXXX  XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XXXX  XXXX, XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XX/XX/XXXX was my final payment for XX/XX/XXXX. And, XX/XX/XXXX will be my 1st partial payment for XX/XX/XXXX. I did a breakdown sent in bank statement and they still refusing to give me my XXXX 's payment..
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c 1681 section 602 a.

States I have the right to privacy 15 u.s.c 1681 604a section 2 it also states a consumer Reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Consumer complaint received 2022-04-20
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)

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.
Consumer complaint received 2022-04-20
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction.

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 items of information other than records of convictions or crimes wich 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.