davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX 3. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent multiple letters to Transunion regarding 3 accounts. 

XXXX. XXXX XXXX XXXX # XXXX I was never late on this account and I asked for proof that i was late. I never received a five day notice. I also asked for proof. I could receive this by seeing their records. ( bank statements ) 2. XXXX  # XXXX Transunion, XXXX, and XXXX have different reportings. Transunion is the only one reporting this item. I asked them to validate this and was sent a stall letter saying they already investigated it. 

3. XXXX  # XXXX The same with this account. Its affecting my ability to get credit. You cant verify something that is not reporting to other credit reporting agencies and you cant parrot information.
Consumer complaint received 2021-11-08
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. (TX)

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 2023-01-01
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. (LA)

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither XXXX  ( XXXX, XXXX, Experian ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Consumer complaint received 2021-11-08
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: CITIBANK, N.A. (FL)

Applied for a Citi DoubleCash card on XX/XX/2021. After making my application Citi made two hard credit checks using two slightly different names ( CITI CARDS CBNA and CITICARDS CBNA ). The second check occurred almost immediately after the first and was not authorized. 

After calling Citi the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the EOS CCA ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are 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 re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.
Consumer complaint received 2024-10-18
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 have contacted the Creditor and also contacted TransUnion to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my TransUnion report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc (TX)

I received this letter through the email from XXXX whose only guess was XXXX XXXX XXXX sold them my information after the account was charged off and disputed. So not only are they calling which I consistently block them but they emailed me. If I'm not mistaken that violates about 6 or 7 of my Consumer Rights. Please help me maintain my consumer rights so that I may continue with my family in focusing on purchasing our first home
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

I was approved a well Fargo reflect credit card of XXXX. I paid on time and out of the blue XX/XX/22 my card was closed without no warning explanations or good reasons. I logged in to the Wells Fargo website XXXX day and saw a message saying that my WF credit card account had been closed. No warning, no phone calls, nothing. I still have a balance on the card and they are still asking me to pay it off. The closure of course had a substantial negative impact on my credit score but I don't care about that right now. I'm focused on paying off all my debt and not looking to add any more. What should I do? Can I get them to reinstate my credit card? Should I even bother? Should I refer to the fact that they canceled my card without forewarning, calls, or anything?
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (NV)

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX, XXXX and Transunion to dispute the validity of the accounts showing up on my credit reports. I sent multiple notarized letters to all three agencies. I explained in these letters that I have never done any business or received any service from the collections company listed on my credit report.
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SoLo Funds Inc. (PA)

Ive used a XXXX  app to fund small loans to people who need them, in return for a tip paid back to me when the loan is repaid. All funds transfers have been done via debit card debits and credits. On XX/XX/2022, I received an e-mail from the app, SoLo Funds, telling me that someone had repaid a loan to me for,., where typically within those quotes would be the amounts repaid. It also said that non-amount would be available in my, Wallet as SoLo Cash.

I e-mailed the company asking about the non-amount in the e-mail, and stating that, As I dont have a SoLo Wallet, Im assuming you wouldnt have opened an account somewhere in my name. While waiting for the company to respond I rummaged through the app & found that the loan repayment had in fact been deposited into a, SoLo Wallet account that had been opened for me.

Since then all loan repayments have been deposited into this SoLo Wallet, which I then have to withdraw from in order to forward the funds back to me via debit card transactions.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I RECEIVED COPY OF MY RECENT CREDIT REPORT AND I WAS SHOCKED OF INFORMATION WHICH YOU REPORTED, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN ANY CONTRACTS WITH THESE CREDITORS.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
{$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Consumer complaint received 2022-06-14
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. (NM)

XXXX XXXX is showing my utilization to be 20 % while the other reporting agencies are showing 2 %. They have not updated my account with the proper information that I have settled my debts months ago. This is causing an undue burden for me to purchase a home due to their lack of attentiveness and diligence to be reporting out accurate information.
Consumer complaint received 2023-01-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Name : XXXX XXXX  XXXX 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 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 2023-01-01
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: AFNI INC. (MD)

I am a victim of identity theft. For a XXXX account I have never signed up for I started randomly receiving a bill in the mail for a past due bill. Back in XXXX which was my last communication I got a incident number XXXX I have recently have a collection with AFNI for this particular account.
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (WI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please take this complaint seriously as this is so frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NV)

There was a shirt press ordered from heat transfer warehouse without a wet ink signature between both parties meaning myself and the company heat transfer warehouse. One of the stipulations was a signature was needed for delivery. XXXX attempted to deliver the heat press but it had to be returned because no one was able to sign for the package. The package was sent back to the heat transfer warehouse unopened and undamaged. I reached out to heat transfer warehouse when I noticed the third party company named affirm that financed the heat press was asking me for a payment. I reached out to affirm to let them know the heat oress was returned and I never received the heat press. Affirm told me I have to call the company and get a refund which I did and heat transfer refused to refund affirm. I stated to heat transfer that the package was not signed fir, I never received it and signature was one of the requirements and since heat transfer received the item back unopened they need to refund affirm fully and the rep from heat transfer said NO. I told the rep I WILL NOT PAY FOR MERCHANDISE NEVER RECEIVED THATS A RIPOFF AND I WILL NOT BE PAYING FOR SOMETHING I DO NOT HAVE!. I reached back out to affirm and they told me to hit follow the instructions for a return on there website. Affirm then told me I have to make the psyments till heat transfer refund them the money and when heat transfer warehouse return the money to affirm then affirm would reimburse me any payments i may have made while waiting on my refund. I tols affirm i will mot pay a dime on something i never received and this whole situation is fraud and a money scam. I have emails from heat transfer stating they will not give me a refund even though I don't have the merchandise. This is illegal practice for both these businesses and a ripoff.
Consumer complaint received 2022-06-14
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. (IL)

In accordance with the fair credit report act XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX  and XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

On or about XXXX XX/XX/XXXX when checking my XXXX credit file I found two trade lines from PlusFour Inc neither of which I had received any notification regarding ; note to date they have still failed to send an initial notification with rights to dispute. In Nevada our state medical collection laws now require a initial notice be sent 60 days via certified mail prior to any collection action being taken which they failed to do but they have also failed to meet the federal standard of sending a notice 30 days prior to enforcement. On XXXX XX/XX/XXXX I sent PlusFour a formal letter of dispute requesting XXXX. An initial notification letter as required by law, XXXX. Validation of alleged debts owed, XXXX. The trade line be deleted due to their violation of my consumer rights and a 60 day stay of execution prior to re-reporting if the debt was valid and remained outstanding at that time. The alleged debts being reported are as follows : XXXX XXXX XXXX, date of delinquency XXXX XX/XX/XXXX, Original Balance {$130.00}, Current Balance {$140.00}, last updated XXXX XX/XX/XXXX AND XXXX XXXX XXXX date of delinquency XXXX XX/XX/XXXX, Original Balance {$70.00}, Current Balance {$71.00}, last updated XXXX XX/XX/XXXX. On or about XXXX XX/XX/XXXX I received a initial validation letter for XXXX XXXX XXXX, no original delinquency date, Balance due of {$63.00}. On or about XXXX XX/XX/XXXX I received a validation document from PlusFour, the attached statement from the creditor XXXX XXXX XXXX lists a date of service XXXX XX/XX/XXXX and date of last payment XXXX XX/XX/XXXX, balance owing {$130.00}. On XXXX XX/XX/XXXX I sent a second letter to PlusFour advising the following : XXXX. The balance they are claiming is for {$63.00} while they are reporting and submitted a validation of debt with a balance of {$140.00}, XXXX. They have failed to furnish any evidence of a debt owed to XXXX XXXX and have failed to provide an initial notification letter regarding the debt. I advised that I would be pending any escalation on my part for 15 days to allow them response, as of today date PlusFour has made zero additional attempts to resolve this dispute.
Consumer complaint received 2022-06-14
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. (MA)

In accordance with the Fair Credit reporting act 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.