davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (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 168XXXX. 

Account Name : XXXX 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-25
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31
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)

Ive been trying for a long time to have the bureaus fix the accounts that were caused by identity theft and they just won't budge. I explained that my roommate was the one that obtained my information and used it to open cup accounts
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-11
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. (NY)

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. 

XXXX XXXX XXXX XXXX XX/XX/year> INQUIRY XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX INQUIRY -XXXX  XXXX appears twice on my report as an inquiry INQUIRY -XXXX XXXX INQUIRY XXXX XXXX XXXX  XX/XX/year> INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX Finance XX/XX/year> INQUIRY XXXX XXXX XX/XX/year> INQUIRY XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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)

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 has violated my rights. Or 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 2024-01-25
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. (NV)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-29
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. (FL)

recently o looked at a copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit it is my undestanding tha you will investigate these items for me to ensure accuracy. 
here is item im asking you to verify as accurate EXPERIAN : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX. : XXXX XXXX XXXX Account # XXXX XXXX : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (NY)

ECSI is ignoring the matter and sent the invalid debt without resolution to collection agency. They dont take responsibility for their mistakes. 
ECSI has XXXX XXXXXXXX signed with me but they state to be private. They sent invalid loans to collection agency without resolution. They blame XXXX XXXXXXXX XXXX for their incorrect XXXX and XXXX XXXXXXXX XXXX claims they are a federal loan. ECSI sent an invalid bill to collection agency without resolution. All invalid debts must be deleted.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Around XX/XX/year> I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX, other account is XXXX. XXXX XXXX is another account that was done fraudulently.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Just earlier this week, my credit score was around XXXX. I woke up around the XXXX of XXXX, XXXX, and it was a XXXX. 

There is nothing that shows differently on my report today than it showed for the past few months. Why another huge reduction to my score? 

Plus, there is a closed account showing it was paid off in 7 months ( XXXX ). XXXX also show my score drastically drop XXXX points. Why did either ( Transunion, XXXX, and XXXX ) drop my score? I have 100 % on time payments, never had a late payment, oldest credit line is 4 years. Why keep doing this to my credit?
Consumer complaint received 2024-05-30
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. (CA)

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required XXXX report I filed on XXXX XXXX XXXX regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. Please have these accounts deleted from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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)

On XX/XX/XXXX, I delivered a notarized notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i ) allow the Landlord and/or Landlord 's agent XXXX disclose information about me, the resident, or my tenancy to credit reporting agencies including, but not limited to, the amount and timing of payments due pursuant to the lease including payment of monthly base rent, good behavior, problematic behavior, and any debt outstanding, which then XXXX be used in a tenant record, credit report and/or XXXX XXXX for the resident. ( ii ) any authorization given to the XXXX and/or XXXX 's XXXX to obtain resident 's consumer report, which XXXX XXXX use if attempting to collect past due rent payments, late fees, or other charges from XXXX, both during the term of the lease and thereafter. 

Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EssXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any of its non-affiliates ( Experian, XXXX XXXX XXXX XXXX do not have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as any outstanding balances. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Consumer complaint received 2019-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/XXXX I did a transfer of {$20.00} from my Cash App balance to my registered XXXX account. The transaction says complete but it never made it to my XXXX accounts. I checked both! It looked as if the account number they had on file was wrong. I noticed this after the fact when it didnt hit my account in the 3 max days advised. I did a {$11.00} transfer a few  months back with no issue. I have emailed them 3 times as per the instructions in the app, and havent gotten any responses. And the funds still arent in my account.
Consumer complaint received 2024-04-11
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. (OK)

once again experian has colluted with XXXX, their agreement stipulates, the Credit furnisher has the right to freeze current balances vilating the XXXX XXXX XXXX, TRUTH IN LENDING LAWS, XXXX DAAY RIGHT TO RECIND ETCUPDATE BALANCE TODAY OR FACE CLASS ACTION LAWSUIT SEE ATTACHED BALANCE FROM CREDITOR.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-25
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-01-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I was receiving help from a local XXXX, GA company located downtown about being behind on mortgage payments in 2018 to Wells Fargo. After submitting all the required information as requested by multiple associates with Wells Fargo we were informed that our efforts did not meet the deadline, and Wells Fargo foreclosed on my property in XXXX of 2018. The representative who provided assistance from XXXX, GA attempted to contact higher management at Wells Fargo in XXXX, GA to present all documentation, faxes, and email traffic which disclosed I could have made multiple payments {$2200.00} to stop the action but we were notified not to proceed with the action until further information was processed to ensure accuracy with my account. I was behind three months which at the time was roughly {$3300.00} and my three daughters and I were uprooted from our home of eight years based on someone's negligence or lack of concern for another individuals plea for help.
Consumer complaint received 2024-01-25
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)

There is a collection agency by the name of XXXX XXXX reporting an alleged debt of {$200.00}. The original debt was with XXXX XXXX for $ XXXX which I have attached to this complaint. I am confused as to why this collection agency is claiming a debt that I don't owe them. XXXX has since removed this account. I am requesting that XXXX and Equifax follow suit and remove the following account from my credit report for violation of the FCRA and FDCPA. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please note that this company and its subsidiaries was already involved in a lawsuit vs CFPB for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. If this account is not removed after viewing the evidence of the incorrect loan balance, I will find it necessary to seek litigation against Equifax and XXXX.
Consumer complaint received 2024-01-25
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)

I called all 3 bureaus in XXXX and XXXX informing them that are reporting things on my report that are directly effecting my life in a negative way. I informed them that they have unmailable addresses, incorrect names and multiple accounts I gave them no permission to put on my report ( 15 U.S. Code 1681b ). Multiple violations on the report.15 U.S. Code 1681c - Requirements relating to information contained in consumer report. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates.