davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 
NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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 XXXX  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 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX  # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2021, XXXX XXXX Credit Card put a late payment on my credit report. This is incorrect information. I never missed a payment on this credit card, I have been paying on time for more than 3 years and all payments were made on time. I completely payed off the balance of the card as well.
Consumer complaint received 2023-09-05
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)

They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using experian, XXXX and XXXX information.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Last fall, Freedom Mortgage informed me that they had not received notification of the renewal of my home insurance. Twice I uploaded the info to their website but the website apparently didn't work. On the third attempt XXXX XXXX XXXX, XXXX ) I succeeded. I received an email response that " No further action is required at this time '' ( email attached ). Nevertheless, Freedom Mortgage took {$400.00} ( to escrow for insurance XXXX from my bank account, without permission, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX XXXX statements attached XXXX. 
I had decided to refinance anyway and on XXXX XXXX, XXXX, this loan was paid off XXXX payoff attached ). The attached " History '' provided by Freedom Mortgage shows that on XXXX XXXX, XXXX they paid {$2100.00} and refunded {$1200.00} with the payoff refund. For the last three months, I have requested the difference of {$810.00} several times by phone, and once by written correspondence. To date I have been told that " you don't understand '' how this works and that once the account is closed they " can not do anything ''. This is unacceptable. 
Thank you for your help.
Consumer complaint received 2024-08-20
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: 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.

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 2021-04-27
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. (LA)

I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please update all of my personal information on XXXX, Transunion, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on my report.
Consumer complaint received 2021-04-26
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: JPMORGAN CHASE & CO. (CA)

I am disputing a hard credit check because after accepting Chase 's preapproved offer in which no where in the application stated that they would perform a hard credit check, I realized they did. 

On XX/XX/2021, I spoke with a Chase credit reporting representative name XXXX. 
He informed me that, " all credit cards pull hard inquiries. '' I asked him to email me a pre approve offer that states the aforementioned. XXXX admitted that Chase 's offers does not state that they will perform a hard credit check, but it was implied. 

The reason for the dispute is I would not have taken the offer if there was a hard credit check.
Consumer complaint received 2023-08-29
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. (GA)

I bought a few cars. When I go to the dealership I tell them I already want to do business with a certain Bank, like XXXX XXXX or XXXX XXXX. I tell them not to run my credit through anyone else. but they do it anyway and send me to XXXX or XXXX banks to try and get a better deal without notifying me or without my permission. Per credit reporting bureaus I have to contact these banks to have them remove their inquiry. I've contacted these banks and they all say they don't have my information on file. So I was told I can get help here. Thank you, Below are the list of banks and companies that were not authorized to check my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXu
Consumer complaint received 2021-04-26
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: I.C. System, Inc. (GA)

Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from I.C. System account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.
Consumer complaint received 2023-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX in XXXX XXXX  forced performance on a loan which I wished to rescind the contract within 24 hours due to un disclosed damage to the frame of the car. XXXX XXXX XXXX has a business relationship that is more personal instead of professional with XXXX XXXX XXXX They took my information from the car dealership and refused to let me return the car. 

I fell into a hardship and they harassed me every single day, email after email, call after call. I have asked them to remove the alleged debt from my credit report, as they have sold the debt and has a debt collection agency call me. I told them all to quit calling me but they refuse. It seems to me there are definitely fraudulent dealings with this financial company. They refuse to honor any laws surrounding consumers rights and force under coercion and duress to sign papers and refuse to allow any review of the actual documents. 

I wrote them certified with a formal request for documentation and they now call me several times a day with automated calls. 

That is illegal and against the law! The Attorney Generals office needs investigate this predatory loan entity operating in several states!!! 

I would like my demand for the original loan documents and ANY/ALL of the paperwork they have with my wet signature. 

Thank you
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite having paid my student loans in full, Transunion continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my credit score during the correction process.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX account # XXXX XXXX account # XXXX I have did a very good investigation on my credit report. My identity was stolen years ago. This is not my account I have hired an attorney for a lawsuit on all credit bureaus on my XXXX  none of these accounts on there. I need this removed from my credit report ASAP. 

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 XXXX XXXX XXXX and 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 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 informations inaccurate. 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 2023-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

This is the second card Ive registered with XXXX XXXX XXXX  that still doesn't allow online transactions even after waiting several days after registering to use the card online.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello, my name is XXXX XXXX. 

i reported my acount was hack and i open case for unautorized transaction. 
this case XXXX has been close on my favor but i did not received my refund yet. 

has been Unauthorized Withdraw Transaction ID XXXX {$7900.00} Transaction ID XXXX {$5000.00} help me with my refund please.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I've sent several disputes regarding this account, XXXX XXXX XXXX, XXXX, and they did not recognize or fix any of my disputes I've sent off. Congress gives laws to ensure fairness and accuracy of reports being made. Under 15 usc 1681, any person can not furnish information knowingly inaccurate to a report. Also, I must give written consent to do so. I never recieved any validating documentation of this account when requested and been well over 30 days of waiting, which is pursuant to 12 CFR 1006.34. They never sent how the constructed an investigation as I asked. My report must be contain 100 accuracy at all times, which they are clearly in violation of federal law.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am writing to demand remedies for damages pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) due to your agency 's violation of my rights as a consumer. I assert that there was a failure on your part to conduct a reasonable investigation in accordance with 15 USC 1681i ( a ) ( 1 ) ( A ), and an ongoing act of furnishing outdated and incorrect information related to my XXXX  XXXX Account # XXXX even after I had brought to your attention that this account had surpassed its statute of limitations. 

For your reference, on XX/XX/2023, I formally disputed the expired account via the Consumer Financial Protection Bureau ( Complaint # XXXX ). On XX/XX/2023, I received notification from your agency that the account was " verified '' and was dismayed to see the updated credit report still indicating the presence of the expired account. Subsequent to this, on XX/XX/2023, I escalated my complaint and also attached an invoice seeking remedies for damages due to willful noncompliance via the CFPB ( Complaint # XXXX ). I made it abundantly clear that I disagreed with your verification results and demanded the removal of the expired account without delay as it adversely affects my credit standing. I have attached all previous disputes for your convenience. 

To my dismay, on XX/XX/2023, while I received a response to my complaint ( # XXXX ) from Equifax stating the deletion of the account in question, the complaint was simply closed " with an explanation ''. No remedies for the damages I had outlined in my invoice were addressed or sent.