davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (NJ)

Hi I am submitting this 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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. To any normal person, there would be no further action to take - so I took no action. Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in CA now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, Eqifax, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX  XXXX. 

XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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)

On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.

Thank you Mr. CFPB for looking into this.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America and XXXX XXXX  is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information
Consumer complaint received 2022-06-23
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: LEXISNEXIS (NC)

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
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: Experian Information Solutions Inc. (PA)

I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting me to obtain credit. 

I hope this letter finds you well. I am writing to dispute fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that this information be blocked. The account entry in question resulted from identity theft, as I did not authorize the sharing of my non-public information. According to 15 U.S.C. 1681b, regarding the permissive purposes of consumer reports, I never provided written consent for you to report any of this information. Therefore, it is considered fraudulent. 





Thank You
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a fraudulent charge on my bankamericard credit card from Bank of America in the amount of {$3800.00} from XXXXXXXX XXXX # XXXX XXXX FL according to Bank of America my claim was denied because I have previous history with the merchant which is not true I need to file a chargeback against this charge or I am going to report this to the federal trade commission as identify theft because my identity was used for this charge and have this credit card remove from my credit profile immediately
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent at least XXXX written requests to Experian to update my personal information to only include the current address where I live. I specifically asked them to remove all other addresses from my consumer report and they failed to do so. I also called several times, and the issue still remains. I downloaded my credit report last night and there are still 10 addresses listed on my credit report where I can not be reached. 

Please see attachments
Consumer complaint received 2022-06-23
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy. 
15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.
Consumer complaint received 2022-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

In accordance with the Fair Credit Reporting act Capital One 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
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (PA)

Dear XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by Email, and identified the debt as Account XXXX : XXXX XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I demand these accounts be deleted immediately or I will file for ligation
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prosper Marketplace, Inc. (TX)

In XXXX  XXXX I hired XXXX XXXX  XXXX XXXX XXXX GA to represent 3 private loans I had that I had money stolen from me and needed to pay back the loans, but was unable to pay back in full totaling {$160000.00}. XXXX XXXX was to represent me and settle the 3 loans at a lower price and then I would pay them each month and they would send the money to the loan companies for me. They settled with the 3 companies, I signed a contract with them for each settlement and payments began. XXXX of XXXX the final settlement was done with Prosper loans for a particular amount and Prosper was paid. XXXXXXXX XXXX XXXX XXXX autodrafted me twice without my approval and knowledge. They illegally took more money out of my bank account than what I signed on my contract for. I chose to come off of auto draft and pay XXXX XXXX directly each month as XXXX processes the payments for XXXX. XXXX took their fee and sent the rest to XXXX. XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that my loan for Prosper was sold to XXXX XXXX from XXXX XXXXl and was sold back at the full amount owed of {$11000.00} which is not the amount that I owe for this debt. 

To date I have not heard from XXXX XXXX, I had no knowledge of this debt being sold and I have been paying XXXX XXXX  each month for my loan which XXXX was aware of as I informed them via email and my customer portal that I was paying XXXX  and they would send the money to XXXX  as a result of XXXX illegally taking two auto drafts back in XX/XX/XXXX from my bank account. 

To date the amount owed on the Prosper loan is {$7600.00} not {$11000.00} and the loan was sold off back at the original amount. 

This is illegal. XXXX group has performed several illegal actions, selling the loan without my knowledge, not informing me of anything, selling it back at the original amount when they paid Prosper {$7600.00} as settlement agreement that I signed a contract for. 

I have tried to get into my XXXX XXXX group account today and they have illegally locked me out and did into inform me that my account is no longer active. 

This loan legally should be dismissed as a result of all the illegal collection practices that XXXX XXXX has performed. 

I have been in contact with XXXX XXXX XXXX and they to have stated they had no knowledge of any of this other than that XXXX was given a debt and they work for XXXX XXXX. They have had me send them all the proof of the correct debt amount that XXXX contacted with Prosper to prove that the {$11000.00} is incorrect Attached are several documents regarding this situation. I can provide proof of payments as well that I have been making since XXXX XXXX XXXX to XXXX XXXX and XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-23
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. (AZ)

Remove late payment from XX/XX/2021 for XXXX  for auto loan ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Consumer complaint received 2022-06-23
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. (TX)

I found out account was opened in my name by my credit monitoring service in XXXX. I had to XXXX the company to even know what it was, as I had never heard of XXXX XXXX. I have never rented any furniture EVER! I immediately disputed the claim ( XX/XX/2022 ) with my credit monitoring service. The company denied it, so now I have filed police report, claim on identitytheft.gov, as well as submitted another dispute claim through my credit monitoring service and sent them a demand letter. The original amount was XXXX & opened on XX/XX/XXXX. But is now {$6500.00}, to which I can prove I have made no payments on this. Based on research this is a known problem with XXXX XXXX XXXX XXXX XXXX - people should report and freeze accounts immediately. And work diligent to resolve before it affects your credit or they take out additional loans in your name. I will continue to pursue this through small claims court if need be. This is a scam and they have to be stopped.
Consumer complaint received 2022-06-23
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. (AR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX NUMBER 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.
Consumer complaint received 2022-06-23
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. (FL)

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, 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 2022-06-23
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. (CO)

In accordance with the fair credit reporting act XXXX  Accounts 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  Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
Consumer complaint received 2022-06-23
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. (MI)

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 im XXXX now.with no help.