davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Although I have asked for and received credit score info from all three and now from XXXX, the score is based on inaccurate and untimely information. As time goes by, it is undermining my financial health and reputation.How do I get the agencies to report accurately and truthfully?
Consumer complaint received 2024-01-08
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. (SC)

I attended a work event in XXXX of XXXX  where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( Experian, XXXX, XXXX ) requesting that these accounts be verified in XXXX. After 2 correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX. I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

regarding XXXX XXXX  accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (NV)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

upon reviewing my credit file i notice that there were two credit cards established in my name with bank of america and XXXX after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was scammed out of {$3000.00} from a merchant. I was told my multiple representatives that I would receive a provisional credit after 10 business days. Never received credit after 10 business days, called on the 10th business day and was told by a supervisor that I would receive credit within two days, after not receiving credit i called and was told I would not be receiving provisional credit for the fraud on my account. I am currently being evicted due to funds being held.
Consumer complaint received 2024-05-07
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 recently reviewed my credit report and noticed an account that was not reporting accurately. There are XXXX accounts on my report from Dept. of EdXXXX that are paid in full and closed. One is account number XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX with a highest balance of {$3500.00}. The other is account number XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX with a highest balance of {$500.00}. Both of these accounts were closed due to transfer. I demand these accounts be removed from my credit report immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-07
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 have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX, XXXX XXXX Per 15 USC 1681 please remove the following accounts below. 
XXXX XXXX  Account ( open ) XXXX XXXX XXXX {$23000.00} XXXX XXXX ( open ) XX/XX/XXXX XXXX It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by XXXX, XXXX, Equifax This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Consumer complaint received 2024-04-01
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)

XXXX, XXXX, & Equifax continue to report inaccurate information that is causing identity theft issues and me to be denied credit since their information does not reflect what is accurate. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX there should be no variations of my name nor any other addresses listed on my consumer report. I have provided documentation to prove my identity and my lawful residency.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2024-01-08
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. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-08
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. (OH)

XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 2024-01-08
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX 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. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX IS XX/XX/XXXX XXXX XXXX  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.
Consumer complaint received 2023-09-19
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. (VA)

This was my sixth time to complaint to you, to inform you that I want to do a follow up in the status of my request to remove these remaining inquiries in my Experian and XXXX XXXX XXXX. I was hoping eagerly expecting that in my next update of my mentioned credit reports, I am expecting that these listed inquiries here will no longer be present in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Date XX/XX/2023 Amount {$2800.00} I have a late payment from XX/XX/2023 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-13
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I have XXXX Discover credit card accounts : XXXX and XXXX. These accounts have been open for XXXX and XX/XX/XXXX years, respectively. Approximately 12 months ago I accepted an offer for a balance transfer, where I would pay a " transaction fee '' in exchange for a certain number of months atXX/XX/XXXX% interest. If there is a balance remaining at the end of the XX/XX/XXXX% term, then Discover will charge me interest at the standard account rate ( exceedingXX/XX/XXXX % APR ). There is nothing in the terms of the offer nor the cardmember agreement that prohibit me from paying the balance off at anytime. TheXX/XX/XXXX % period is coming to an end on or about XX/XX/year>. As such, I paid off the full balances remaining on the cards via the Discover website, in the same manner and utilizing the same payment account that I have for my Discover payments over the past 8 years. As a result, Discover sent me a letter that both accounts were being closed due to " unusual payment activity '' and would be reported to the credit bureaus that the accounts were " closed by creditor '' which is generally understood to be a negative report. So, the basis of my complaint is as follows. While Discover maintains the right to close an account for any reason and without notice, the FTC XXXX nevertheless prohibits Discover from engaging in an unfair or deceptive trade practice. Closing my account merely because I paid off a balance transfer in full is not only illogical, but since I was entitled to pay off the balance transfer at any time pursuant to its terms, closing the account for doing something that I am permitted to do, and, on top of that, making a negative report to my credit bureaus is an unfair and deceptive trade practice.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (PA)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

This is a follow-up to complaint XXXX and XXXX because my complaint keeps getting closed without resolution. AMEX admittedly receiving my application for an opportunity to receive XXXX Membership Rewards points after {$10000.00} or more earn in eligible purchases are made on the Card within the first 3 months of XXXX XXXX. Yes. I was solicited with the AMEX XXXX card and when I proceeded mid-way through the first application I notice there were no signs of a sign up bonus. I exited the application right away without submission. Later I found a link for XXXX Membership Rewards points after {$10000.00} or more earn in eligible purchases and I completed that application. AMEX deceptively denied the application with the sign up bonus and took the information from my second application to approved the first application without any sign up bonus. The denial reason for the second application was that there was an active application outstanding. This is completely unreasonable. I never completed the application without the sign-up bonus yet they were able to take the information I completed with the second link with the sign up bonus and use it to complete the first application ( that was incomplete ) without a sign up bonus. The repetitive finger pointing at the consumer when their software system is set up to manipulate the facts is just disgusting. If I was approved for the same card anyway why wouldnt I receive the same bonus points? AMEX even provided proof I saw this bonus points advertising and I intend to take it. This faulty system appears to just be a way for AMEX to not pay what was promised to the consumer and deal in bad faith. It isnt right for the CFPB to allow bad faith, deceptive advertising and operational failure. AMEX is with certainty violating Unfair Deceptive Advertising regulation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX account XXXX. I would like XXXX XXXX XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.