davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK (DC)

On XX/XX/year>, I tried to log into VIO Bank 's online banking portal, and was locked out due to mistyping my password. When I called online support, my call was dropped by a financial representative and no efforts were made to call me back. On the second call, they asked for this information to verify my identity : - Name - SSN - DOB - Account number - Unique identifying pass - Last interest received* - Last deposits/withdrawals* - Outside banking info ( acct and routing ) - Interest rate Out of this information that I was mostly able to supply ( I could not answer the questions with the * ), they could not confirm my identity and kept saying I could reset my password on the website. While trying to do so, their online portal kept crashing and saying that online banking was unavailable at the time and there was an internal server error, code XXXX. When I relayed this information, the representative refused to recognize those errors and insisted that I was doing it wrong, and explained that I must have been using the wrong account number. I've never had an institution talk down to me in such a way and not offer any other solutions. They suggested I used XXXX XXXX ( one of the worst and unsafe browsers ) to log into my account. There was no offer of escalation, no other solutions, and they refused to recognize any internal errors. I just want access to my account so I can no close it, and they are holding my funds hostage. They are also using extremely slow and inefficient portals and services to access information and that's suspicious as well.
Consumer complaint received 2024-06-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (PA)

I looked on my report back on XX/XX/year> and notice some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Thes account Names are XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX ACCT XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/year> to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )
Consumer complaint received 2024-08-03
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. (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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX 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 2024-06-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. ACCOUNT : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/2021 BALANCE ALLEGED OWED {$510.00} You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account.Furthermore, you do not have any jurisdiction or authority to report without my consent.
Consumer complaint received 2024-05-30
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. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-03
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning persistent inaccuracies and procedural deficiencies in the handling of my credit report by multiple reporting agencies. Upon reviewing my credit report in XX/XX/2023, I identified several discrepancies that misrepresent my financial behavior and creditworthiness. 

Identified Accounts with Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite notifying the concerned agencies and requesting a thorough reinvestigation, the responses I received assert that all information is complete and accurate. This conclusion is demonstrably false and contradicts the evidence I have attached with this letter. 

Legal Grounds for the Complaint : 1. Fair Credit Reporting Act ( FCRA ) Requirements : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681e ( b ) ).

2. Duty of Furnishers of Information : Under 15 USC 1681s-2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

3. Obligations Upon Dispute : As per 15 USC 1681i, if a disputed item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected by the consumer reporting agency, which then must notify the furnisher of the change.

Issues Encountered : 1. Inadequate Investigation : The agencies have failed to perform a proper reinvestigation as mandated by 15 USC 1681i. The evidence I submitted, which highlights discrepancies, was overlooked or ignored.

2. Lack of Communication : Contrary to 15 USC 1681i ( 7 ), I was not provided a detailed description of the reinvestigation process within the stipulated 15-day period following my request.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are addressed by having the disputed accounts deleted from my credit report, in accordance with 15 USC 1681i. This action is justified given the failure of the credit reporting agencies to adhere to the statutory requirements regarding the accuracy and verification of reported information. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I have been trying to obtain my credit report for the last three months. I am unable to obtain it online or through the Experian app. May I please have my report mailed to my po box on file.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (FL)

receiving emails from a credit borough should be only actual needed emails, not a lie email to press someone to buy id protection just to verify the claim the email is making nor should it be ok to imply protection when such may not actually take effect for months after the " trial period ''. This is clear deception and false claiming to deceive the consumer and force the purchase through fear and uncertainty
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

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 ITEMS or information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
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. (TX)

XXXX XXXX  Account XXXX - XXXX. I just received a copy of my credit report. To my surprise, this charge off account is reporting incorrectly, not only that but the Payment Summary is inaccurate for example XXXX is reporting XXXX, XXXX, XXXX, XXXX and XXXX shows charged off But, Equifax shows, XXXX, XXXX XXXX, XXXX but the montth of may shows DATA UNAVAIBLE. XXXX shows ACCOUNT CLOSED NO PAYMENT SUMMARY. I Forgot to mention these is for the Year of XXXX but this is a inaccurate credit reporting. According to the FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

THE STATUS AND BALANCE, ETC OF THIS ACCOUNT ON MY CONSUMER REPORT IS INCORRECT. ACCORDING TO THE FCRA IT IN VIOLATION OF THE FCRA. 
XXXX XXXX  PLEASE CORRECT THIS INFORMATION.
Consumer complaint received 2024-06-24
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. (MO)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States i have a 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 2024-05-29
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. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-03
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)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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. (GA)

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 2024-06-04
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. (PA)

After initially sending Equifax a dispute letter to investigate my consumer report, I asked them to include any documents including signed agreements, receipts, and contracts in which they failed to provide. Equifax responded saying that the information is " Verified '' but never sent any documentation or receipts to verify the alleged debt. I reached out to the creditors asking them to verify any debt in which I never received a response or the documentation. The information that's reporting to my consumer report is badly affecting my credit score putting me in hard times. I have no knowledge of who these creditors is nor did we have any mutual agreement. The accounts reporting are not mine and be removed if they can not be properly verified. The creditors reporting the accounts never had my consent to obtain or share my personal information with anybody which is a violation too my right of privacy. I am aware that it is Equifax 's duty to do what's fair and equitable as a consumer in which I don't believe there was a fair investigation. 
Violations committed by Equifax & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection