davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

A Discover agent contacted me in late XXXX to request that I make a payment. After discussing the amount due I agreed to her offer of setting up installment payments only because she assured me that my account wouldn't be reported to the credit bureau because of the installments being set up. Apparently she was incorrect because after 2 of the installments had been made I later received an alert from XXXX of a 30 day late payment from Discover. I've disputed with the credit bureau and requested that the recorded call be listened to but that was not done. My dispute was closed and all that was done is Discover sent the status of the account as of the date they responded to the dispute. If I had been given accurate information I would have made a payment for the full amount due in order to bring the account current. 

Next issue : For years I've had my wife assisting in communicating with Discover but I had to add her as an authorized user on XX/XX/XXXX because the rep said she had to be added in order for them to speak with her. So I added her but discover did not disclose that they'd report on her credit report information from 30 days prior to adding her which puts that 30 day late payment on her account. There's no way that is fair to a consumer. That should be disclosed when you are in the process of adding an authorized user. How is it fair to a consumer to add credit activity to their credit report when they didn't have access to that credit during the period of activity or during that billing cycle. As I am typing this dispute Discover has said 5o my wife that they are going to review the call and they think that they know what happened but they will be able to confirm and get back to me in XXXX business hours.
Consumer complaint received 2022-01-14
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: CarMax, Inc. (AZ)

Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy
Consumer complaint received 2023-06-09
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 Follow-up 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 accounts 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 alleged fraud or extortion. 
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 US BKPT CT CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (IN)

DRS has flagged your account as Collections. 
DRS has flagged your account as Collections on XX/XX/2021. 
Alert Details Source Company Address Phone Activity Balance Date Balance XXXX DRS XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Grid Code G ( Collections ) XX/XX/2021 {$1300.00} My identity was hacked & stolen from XX/XX/2021 until the attackers stopped around XX/XX/2021.
Consumer complaint received 2022-01-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was 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 Transunion 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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX. ) I contacted Bank of America on XX/XX/2022 regarding a purchase dispute. My Bank of America account is being illegally accessed which access was provided by Bank of America to unauthorized third parties. This is a fact since after imitating the dispute a hired actor or third party member of the public staged a stunt informing me that he knew about the dispute filed with Bank of America. I do not know this person and have never seen him before. This person is very likely a hired actor or agent working for the federal government, the intent of which is to interfere with my financial situation and by doing so interfere with or prevent further pursuit of the active lawsuit in the D.C Federal district court against one or more federal agencies. 
XXXX. ) Bank of America did not issue a temporary credit as is usual, customary, and consistent with its own procedures. Bank of America did not issue a claim number on the matter, therefore indicating that the claim had not been filed or properly handled. 
XXXX. ) I can not validate that the person from West Virginia who handled the call for Bank of America was actually an employee of Bank of America as she called from a number outside of Bank of America and she did not properly identify herself. 
XXXX. ) The intent of Bank of Americas fraud was and is intentional and to interfere with my finances to aid the government to prevent further legal action against the federal government i.e. XXXX as set forth above due to an active lawsuit I have filed against the government.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was dismayed to discover inaccurate accounts on my credit report, and I'm at a loss as to why theyre there. I regularly check my credit report, but today I found unexpected errors. I tried refreshing the page, hoping it was a browser issue, but the inaccuracies persisted. This has been incredibly frustrating, and XXXX asking for a detailed review of the documents I've provided so I can stop worrying about this.
Consumer complaint received 2022-01-14
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. (MI)

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Experian several inaccurate and unfair practices. Experian breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Experian is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Experian has brought upon me the consumer for knowingly violating and practicing the behavior.
Consumer complaint received 2022-01-15
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

cfpb i have made an online dispute with this company and pursuant to 18 USC 8 i owe no debt. the company is violating my consumer right to privacy pursuant to15 USC 1681b ( XXXX ). company also has NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 ( XXXX )
Consumer complaint received 2022-01-14
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. (MD)

The three credit reporting bureaus, Experian, XXXX, and XXXX have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : Experian, XXXX, and XXXX authority to report anything on my report, but yet they had for years. They have committed identity theft.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent Transunion a dispute in regards to them furnishing information on my credit report without my consent that is harming me as a human being. The delivered was delivered to them on XX/XX/2022, I am aware that they are to respond within 4 days by law. It is now XX/XX/2022 and I have yet to receive any response. They are in violation. My original documents were notarized as well.
Consumer complaint received 2022-01-15
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-15
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. (MD)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-15
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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. (CA)

I notified Experian and XXXX that the creditor XXXXXXXX XXXX XXXX  listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? XXXX has not responded. Experian has. When I called them yesterday, they said my option is to contact you. I am very angry!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2022-01-14
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: Freedom Mortgage Company (TX)

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past 2 and 1/2 years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-14
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. (PA)

I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter XX/XX/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.
Consumer complaint received 2022-01-14
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. (NY)

I've asked XXXX and Transunion to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or XXXX XXXX company. 

I also received a letter from TRANSUNION saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!