davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-23
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any accounts or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (CA)

I applied with my Mortgage Company on XX/XX/23, XXXX XXXX, to inquire about an equity loan on my existing mortgage. I was notified that a normal process is to create a Soft credit report with XXXX XXXX. I gave me permission, and I asked that this would not effect on my credit score, and the agent said, not when it is with your lender. I am going through the paper work to apply for line of credit on my mortgage. I WAS OUTRAGED when the next morning and all day today I keep getting phone calls and emails from over 100 lenders trying to to interfere with my decision to get a line of credit with my existing loan with XXXX XXXX. I contact my agent at XXXX XXXX to complain furiously at him and XXXX XXXX, because I thought they were responsible for releasing my phone number and email to the public. I almost did not go through with the loan, just because of this. My agent assured me that he and XXXX XXXX feel the same way as I do, THIS SHOULD NEVER HAPPEN WITHOUT MY PERMISSION!!!! He went on to say that the Credit Bureau ( 's ) releases this information to other public lending competitors. This is an unethical practice and extremely annoying ; to have to screen over 100 calls, block the calls, and get 100 more in less than 24 hrs. There needs to be policy put in place to prevent Credit Breau 's from distributing your phone number and email without your permission. I need the proper agency to take immediate action to STOP THIS!
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: January Technologies, Inc (DC)

I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
Consumer complaint received 2023-10-12
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. (MD)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed XXXX XXXX. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX. XXXX XXXX can schedule the payments if they want assuranceXXXX XXXX XXXX knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a Bankruptcy reported inaccurately on my Transunion and XXXX account. Both XXXX and Transunion claimed that the information was verified with XXXX XXXX. However, I've suppressed my XXXX XXXX ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, Transunion ) managed to still get information from XXXX XXXX. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and Transunion account be removed.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a business account credit card. I received a letter and email communication that I needed to provide certain documents. I explained to the representative that I have moved and the information has my po box and old physical address on it. I also explained to him that I tried to enter my previous business address but the system would not validate it to proceed. I expressed my frustration about this impacting my credit and explained that I am a Counselor and I do virtual counseling for my business. I talked to a supervisor and he communicated that they can not remove the inquiry and they treated me as if I were lying.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (NV)

Hello, I have contacted the collection company Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX at XXXX XXXX XXXX to let them know that they are incorrectly putting a collection in my credit report. They said that this bill is for a property in Texas. They also asked me to provide a bill and to file a police report so they can remove the collection. It is impossible for me to obtain a bill for a utility in a property in Texas because I have never lived in Texas, I dont even know the address that the utility was for. There is no way for me to stand up for myself at this time. Right now this is hurting my credit and I am unable to refinance because of this collection. I have contacted them many times to see what they can do but I always get the run around and I have attempted everything I could without having to file a complaint with you guys ( the CFPB ).
Consumer complaint received 2019-11-13
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. (FL)

THE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-11-23
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. (NV)

As per the Fair Credit Reporting Act ( 15 USC 1681 ), specifically section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. In this context, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, have the right to ensure the confidentiality of my private information. This right is supported by 15 USC 6801, which declares the Congress 's policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. 

Pertaining to the disclosure of consumer reports, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I assert that neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent or written authorization to furnish this information, revoking any prior consent, be it verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their option to exercise nondisclosure. However, the furnisher of information to credit agencies failed to provide me with information regarding my right to exercise the nondisclosure option. 

Furthermore, the reporting of adverse information without my permission is a violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless related to convictions of crimes that precede the report by more than seven years.

Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) stipulates that a person shall not furnish inaccurate information to a consumer reporting agency. XXXX and Experian 's actions in reporting adverse information without my consent constitute a violation of this provision. 

The requirement outlined in 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of the Fair Credit Reporting Act. It is evident that XXXX and Experian are not adhering to these reasonable procedures. 

Finally, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of the reporting services provided by XXXX and Experian.
Consumer complaint received 2023-11-23
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$650.00}-
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a birthday check from my grandma in XXXX on XX/XX/XXXX and it seemed to go through just fine so I went on my way. 
XX/XX/XXXX I recieved a letter saying it was invalid. ( although I have been depositing the same checks without incident since I got my bank account in 2019 ) XX/XX/XXXX I went to the bank after being on hold for over 55 minutes to try and talk to someone to help me out. I talked to the manager to fix the problem. I thought he would be able to see the recent and previous foreign check deposits I've made. He said he was unable to find any records of my recent deposit, but he said he would have someone take care of he problem the next day and I would recieve a call. 
Both of those things did not happen and they kept blowing me off for weeks. 
XX/XX/XXXX I went with my mother like the initial visit and they claimed there was nothing they could do at their location. The manager said that the back offices and foreign currency department could handle the problem. He insulted my mother after she explained how she did accounting. Saying " That's how things were done in the XXXX and XXXX, but not now. '' Or " That's a stupid way of doing it. '' He even told us to stop making a scene. And that foreign checks are a gamble and other countries ' banks don't work well with each other. After he told us to call the customer service hotline again, he went back into his office after just saying " Goodbye. '' I just want my birthday money
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ivy Street Development Corp. (NY)

After being ignored by XXXX XXXX XXXX XXXX about my bill being incorrect they very quickly gave my bill that I was still disputing to this company. I explained to them the situation, they offered no help or information on how to help get this bill taken care of. 
I was never seen at XXXX XXXX XXXX XXXX, this bill is false. I called XXXX and they agreed that it was incorrect and then stopped responding to me.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (UT)

On XXXX I used my Amazon XXXX Rewards Visa card on Amazon.com to order a XXXX XXXX XXXX, which was gifted to someone. The total, including tax, was {$560.00}. 
This amount was charged to my card on XXXX. 

On checkout, I selected advertised promotional financing of 12 month equal payments with 0 % interest. 

Upon receiving my statement for XX/XX/XXXX, I saw that the promotional financing was not applied, and that the amount was due in full the next month. 

My Amazon invoice confirmed that I selected financing. 

I contacted Chase via the number on the back of my card on XXXX. Both representatives told me that I had to contact Amazon as the financing was initiated through them. 

I contacted Amazon on XX/XX/XXXX via chat. 
The first two representatives transferred me upon hearing the issue. 
The third representative told me initially that I did not select financing. I corrected them via the invoice I had. The third representative then told me that they could not offer me the financing without physically returning the gifted item no longer in possession. I mentioned CFPB, and was transferred to a phone representative. 
The fourth representative immediately transferred me to another phone representative after telling me she could not help. 
The fifth representative told me the same as the third. The fifth representative said they were not aware of anyone else that could help when I asked for a further transfer.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXXXXXX updated their system and my minimum payment changed, but my auto payment was never adjusted on their end. I had set up my payment to take the minimum due, so that it was never late. They never contacted me and continued to report me late and charge me late fees and interest. I pay my accounts and have them all set up on auto and I am never late. My wife tried repeated times to discuss and get this fixed and they are reporting on me and my wife as being late XXXX days XXXX through XXXX. I am going to seek Attorney counsel and legal action if this does not get resolved on both our credit reporting. My wifed has called several times because I work late and I have given them permission to speak to her on my behalf and they refuse to resolve.
Consumer complaint received 2023-10-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I bought a cell phone from a merchant named XXXX XXXX the product was damaged when I received it. However the bank gave me back the provisional credit and because I missed a date for sending in more information the bank then reversed the credit and has left me in the neg. Which have my bills being paid late and effecting my credit. I have tried everything on this Matter to try and solve but nothing comes of it
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
Consumer complaint received 2023-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Account number : XXXX Reported XX/XX/ on my Equifax consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report.
Consumer complaint received 2024-10-23
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. (TN)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!