davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my Experian file in XX/XX/XXXX, which only lasted a total of ONE year. I also filed a police report on the night of the mishap ( XXXX XXXX ). Being overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a XXXX XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL 3 credit Bureaus, Experian Fraud department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been 5 years already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX ] [ XXXX ] Equifax : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ]
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-17
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. (CA)

In accordance with the rair Credit Kedoning act. Ine List of accounis below nas violated. my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. XXXX for {$490.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX reported inaccurate late payment
Consumer complaint received 2024-06-06
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. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-20
Product: Credit 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: DISCOVER BANK (TN)

I am a victim of fraud by XXXX XXXX XXXX, and I can not find anyone to help me. I do not nor never had an XXXX XXXX XXXX XXXX, I dont even know what you do. I have an XXXX XXXX XXXX, and I have a very good customer. I had charges from XXXX for months before I realized that was not charges from my regular spending on XXXX for cat food and toilet paper. It was charges from XXXX XXXX XXXX XXXX My Discover card has been useless, and XXXX customer service is even worse. I dont have an account from XXXX so no one can help me. I keep getting the run around for months. Discover Card can not get the information they need from XXXX so they will not dispute the charges. XXXX will not release the information about whos account these charges were on because of security reasons. I am stuck with these charges, and no one will help me. When I put a report into XXXX I think Im talking to a computer because its not intelligent information. 
{$2300.00} was charged to my account from XXXX  2023 to XXXX  2024. I have been fighting this for months. I finally reached someone from XXXX customer service that was from the united states and she gave me a list of the transaction ID numbers. Nothing came through on my Discover card but charges and the name XXXX XXXX XXXX XXXX When I finally was able to open a dispute with XXXX  they asked me to prove the transaction ID numbers, so I sent them the email document from XXXX They tell me I need to contact XXXX XXXX or provide me with the transaction ID which I did. 
CASE XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] I keep going around and around. Discover Card said the charges are valid because no one at XXXX will give them any details. Someone from XXXX XXXX told me that they are NOT my charges and were from another account, she can not give me the account information because it was not me, but said she sees its not related to me in any way and that charges are fraudulent but from XXXX so I need to work with your fraud team. XXXX fraud team says I dont have an account so I have to work with the retail department because that is the only account I have.
Consumer complaint received 2024-06-17
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. (FL)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to 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 possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

On XX/XX/XXXX, I initiated 2 transfers totaling {$720.00} and {$30.00} and they were promised with a maximum of 10 days transfer time. After that I initiated a dispute with my payment method around XX/XX/XXXX till XXXX, 2021. My bank suggested that I contract the company. I tried contacting the company via email, live chat, and phone. Some of my emails where not answered at all or just generic responses. 

My recipient has still not gotten the money, around 3 months after the transfer and I am currently not been refunded as of XX/XX/2021. 



I submitted a complaint to the California Department of Financial Protection and Innovation on XXXX.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (AR)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-06
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. (IL)

I am writing to formally lodge a complaint against Equifax, e-OSCAR, and the Metro 2 reporting systems due to ongoing inaccuracies and inconsistencies in my credit reports. Despite multiple attempts to resolve these issues directly with Equifax, they remain unresolved, causing significant distress and financial harm. 

Nature of the Complaint : XXXX. Inconsistent Credit Reports : - My credit reports differ significantly between Equifax.XXXX, XXXX and Refresh.me. 
- The information reported to XXXX, which aligns with what banks are seeing, does not match what is displayed on EquifaxXXXX. 

XXXX. Specific Discrepancies : - XXXX XXXX ( Account Number : XXXX ) : - This account shows on Refresh.me and should be showing across all versions of my report. 
- All inquiries related to this account should be removed as per my dispute resolution. 
- XXXX XXXX XXXX Collection : - This collection appears on Refresh.me and XXXX but not on EquifaxXXXX. 
- The collection should be removed from all versions of my report as per Equifaxs confirmation of its removal. 

XXXX. Failure to Correct Disputed Items : - I have disputed several items on my credit report with Equifax. 
- Equifax confirmed that these disputed items were removed from my report. 
- However, banks and other financial institutions continue to see these items when they pull my credit report. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : - Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they provide ( 15 U.S. Code 1681e ( b ) ). 
- Despite disputes and confirmations of removal, Equifax has failed to ensure that the corrected information is reflected across all reporting platforms, violating their obligations under the FCRA. 
- Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case emphasizes the importance of maintaining accurate information in consumer reports and the liability of credit reporting agencies for failing to comply. 

XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : - Equifax 's failure to properly update and report the accurate status of disputed items may also constitute a violation of the FDCPA, which prohibits the use of false or misleading representations ( 15 U.S. Code 1692e ). 
- Case Reference : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) This case clarifies the application of the FDCPA to misleading representations in debt collection practices, applicable to the inaccuracies reported by Equifax.
Consumer complaint received 2024-09-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-06
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-06
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This report is not a duplicate report. I did not hire a credit repair agency or a XXXX party to submit this complaint. 

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 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. 

Account Name : XXXX XXXX Account # XXXX Acct Name :XX/XX/XXXX Acct # XXXX Acct Name :XX/XX/XXXXAcct # XXXX Acct Name :XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX Original Creditor : XXXXXX/XX/XXXXXXXX A Acct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I was the victim of a rental scam and my bank, BECU is refusing to restore funds. 

- On XX/XX/XXXX I responded to a XXXX listing for a rental house at XXXX XXXX XXXX XXXX XXXX, WA XXXX - On XX/XX/XXXX I received a text from someone named XXXX XXXX XXXX XXXX XXXX pretending to be the landlord of the house at XXXX XXXX XXXX ; on XX/XX/XXXX, we discussed the house and XXXX had my wife XXXX XXXX and I fill out rental applications- On XX/XX/XXXX my wife XXXX and I went to view the house XXXX XXXX texted me a lockbox code that contained a key to the house. We were able to walk through the house and the backyard. I also spoke with XXXX on the phone ; he had us leave the key at the house so that workers could access the home for repairs - On XX/XX/XXXX I sent a {$100.00} application fee, a {$600.00} pet fee, and {$1000.00} for the first half of the security deposit via XXXX - On XXXX I sent the second half of the security deposit ( {$1000.00} ) and the first month of rent, {$3000.00} - The total amount I sent to the scammer was {$5700.00} - On XXXX XXXX requested I send additional money, when I pushed back he stopped responding to me altogether and I have not heard back from him- On XXXX, after doing additional research I found the XXXX XXXX XXXX rental listed under XXXX 's XXXX XXXX and confirmed that they had someone else listed as the homeowner and had already approved someone else to rent the house - On XXXX I followed up with my bank to dispute the transactions - On XXXX I filed a case with the XXXX, WA XXXX, Case Number : XXXX - On XXXX I filed a case with the FBI via IC3.gov ( no case number yet ) - On XXXX I was issued two letters from my bank, BECU, informing me that they concluded their investigation into this matter and that they are refusing to restore or refund any of the money I lost in the scam - On XXXX I received several emails from BECU informing me that my XXXX Account had been suspended because " There was a problem with the payment after it was withdrawn from your account. '' - On XX/XX/XXXX I called BECU and confirmed that they will not be refunding or restoring any funds at this time- The scammer also has mine and my wife 's social security numbers and had me do an ID verification via Persona Info regarding the scammer 's accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-02
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.