davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (OH)

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 XXXX XXXX  # XXXXXXXX XXXX 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, DEPT OF ED / XXXX # XXXX, XXXX & XXXX # XXXX, XXXXXXXX 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 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 2024-09-26
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 XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX XXXX {$390.00} I recent checked my credit report after receiving a letter from XXXX stating my information was in a data breach this debt collector, engaged, an abusive deceptive and unfair practice of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign any agreement on a legal contract is signed by two parties and I did not participate in any of it more so they did not follow the proper five step validation procedure, which makes this unfair practice according to the FDCAPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I demand this company to delete this account from all three credit reporting agencies and compensate me for the violations, or I will have no choice, but to move forward with legalization attorney
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Portfolio Recovery Associates performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with Portfolio Recovery Associates that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against Portfolio Recovery Associates to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MORGAN STANLEY & CO. LLC (CA)

Morgan Stanley is reporting false information related my closed account # XXXX. At no point, my account had insufficient funds. 


Return Transactions Tran Type Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Check Number Amount {$150.00} {$100.00} Return Reason Insufficient Funds Insufficient Funds
Consumer complaint received 2024-09-19
Product: Credit reporting 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)

XXXX XXXX XXXX is tarnishing my and credit profile by reporting this account without consent. As well as creditworthiness, character, general reputation which also against the FCRA. 
. 
The original creditor, who has violated my consumer rights by failing to abide by the arbitration clause outlined in our alleged contract. If I do owe this alleged debt, I should have been given the opportunity to resolve the matter through binding arbitration, as specified by the contracts terms. 

The original creditor did not initiate or allow arbitration as required, which constitutes a breach of the alleged agreement. Pursuant to XXXX XXXX XXXX, I owe no debt, this company violating my consumer right to privacy pursuant to XXXX XXXX b, company has also no permission to report anything using my info pursuant to XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$440.00} XXXXXXXX XXXX XXXX XXXX  Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX  Balance {$930.00} XXXXXXXX XXXX XXXX XXXX Balance {$540.00} XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AN XXXX XXXX # XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$56.00}
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I've had personal loans with Navy Federal over the years pay them off consolidate some of them and today XX/XX/XXXX I asked for {$4000.00} personal loan to pay off the existing loan of {$2700.00} and extra {$1200.00} they denied me with in 1 hour although my checking account is with them my direct deposit of VA and social security payments go directly to Navy Federal credit I always set up direct payments for my loans from my account to them they have no problem getting My payment just trying to get updated on few
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error.

During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment.

I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA.

Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I have 6 Hard inquiries that I Have no affiliation with these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

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.

Experian Report Number XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I noticed that XXXX dollars were withdrawn from my XXXX business account to USAA account. I had the accounts linked to make it easier to pay bills. However, when I reported this situation to USAA they told me they were going to investigate. They did not offer to freeze that account. The next day I saw another attempt to withdraw XXXX from my XXXX business account. I called USAA, but I also called XXXX. XXXX froze my account and put a stop to the transaction. According to XXXX, USAA confirmed being fraud. USAA when I called them about the XXXX withdrawal, they stated they were going to investigate and freeze my account. I did not have any access to it. A week later, I called the bank and they told me my money was bank in my account, which it was for a day. Then the following day I had a negative XXXX. I called many many times, spoke to the CEO relation department to be informed that the fraud was my fault. That I allowed someone to have access to my account. I challenged them by asking, " why would I still from myself ... .that does not make sense ''. Now my accounts have been closed with USAA and they never resolved my problem... .it shows that I have a negative XXXX dollars. I need help please...
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (CA)

Complaint against EQUIFAX for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Termination : XX/XX/year> ( R ) I previously filed a dispute with Equifax regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EQUIFAX failed to conduct a thorough investigation and the disputed account remains on my credit report. As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EQUIFAX failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EQUIFAX complies with its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

XX/XX/year> - Business Checking account opened through link on promotion site : XXXX : XXXX XX/XX/year> - Deposit requirements in promotion met XX/XX/year> - Debit card usage requirements met XX/XX/year> - Claims promotion not attached. Recommends to call in. 
XX/XX/year> - Unable to fix. Requires to go in branch to solve. 

Promotion should have been applied online. Inability of customer service representatives to solve basic issues like account opening is ridiculous.