davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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 2024-05-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

This is a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all 3 major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (WY)

Complaint # XXXX was filed and the attached response was received stating that it would be removed within 30 days. It has now been 68 days and the company still has not removed this item from my credit report. Phone calls have gone unreturned by XXXX XXXX and this company is obviously lying and has no intentions of removing this from my credit report although they stated they would to your bureau. This is not acceptable.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I attempted to request my credit score and report from the three major credit bureaus. Two of them are very problematic in how they make the information available to the consumer.

Transunion- refuses to provide the credit score unless I pay for it. ( 1 ) They omit it from the credit report, and ( 2 ) provide a link to the CFRA which states that consumers may have to pay for a copy of a report related to mortgages, and they make the information appear as though it applies to all requests for credit reports, and ( 3 ) they provide an option to pay for my credit score and request my payment information but they never disclose up to this point how much they will charge for the score. In the small print on a subsequent page they say the fee is {$.00} which includes a 30-day credit monitoring subscription that renews at $ 30/mo. They also state in the small print that it's not a FICO score, and that the score that you are purchasing is not one that lenders use. So it is an elaborate ploy to mis-direct consumers into purchasing credit monitoring at a cost of almost $ 400/yr. 



XXXX - provides a visible credit score and report but it is impossible to print, download or save the report. It requires you to open multiple sections of the report separately, and save or print them separately. This is an unnecessary burden on consumers which has no valid basis or justification.
Consumer complaint received 2024-06-02
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. (NY)

Equifax, Repeatedly and continuous reviewing of my credit report, I cant explain why this erroneous reporting inaccurate inquiry which are not mines and I didnt authorize is listed on my credit report. Please remove and delete from my credit report. 


XXXX. Inquiry : XXXX XXXX DATE : XX/XX/year> : DELETE UNAUTHORIZE INQUIRY Reviewing of my credit report, I do not go by the name as XXXX XXXX listed under Also Known as listed on my credit report. Please remove and delete from my credit report, and my correct government name is enclosed below. 


XXXX. Also Known As : XXXX XXXX Inaccurate and delete.
Consumer complaint received 2024-06-02
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. (NC)

PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXXXXXX XXXX inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I just checked my credit report for the first time in 3 years and have had an outstanding balance of {$80.00} with XXXX XXXXXXXX XXXX since 2022. 

I did not receive a bill, to my knowledge, for this amount in the mail, or by e-mail ( the company has both addresses ). As soon as I saw it I paid it off ; all of my other accounts are in good standing. I would like to have the delinquent reporting removed, as I was unaware of this balance, and it is affecting my credit. 

I pad it off with XXXX XXXX XXXXXXXX as soon as I saw on my credit report : confirmation number XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX  has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (TN)

It has come to my attention that you have reported inaccurate information concerning my Credit Report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 
The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Consumer complaint received 2024-06-01
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have a few accounts that's on my profile that belongs to my father. I sent in all the paperwork to show the incorrect. Still haven't gotten any verification. The following accounts do not belong to me. 

XXXX XXXX XXXX {$5200.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$320.00} opened XX/XX/XXXX XXXX / Dept of Ed {$8700.00} opened XX/XX/XXXX XXXX / Dept of Ed {$2600.00} opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-02
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: EQUIFAX, INC. (CA)

XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower credit score. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXX Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (AK)

dear American Express I am filing this complaint with the cfpb because you guys have not taken my identity theft seriously. on XX/XX/XXXX the Permanent Fund Dividend Division of the state of Alaska lost my name my dob, social security number, my address everything that on my my birth certificate and all my bank info as well. after I submitted my application for my yearly PFD the page reloaded with someone else 's information. i contacted that person to let them know what happened and then contacted the state of Alaska to let them know what was going on with there website but because it was a weekend and a holiday there offices were closed. so i did the next best thing i called all the local news stations.so they can warn people what was going on they come to my house and did a interview with me so other Alaskans would know not to file there pfd until the state fixed there website the media was also able to get hold of the governor and he order the state to shut down the pfd website. the following Monday I contacted the three credit bureaus and put an extended fraud alert on my credit report but that haven't seem to stop the people who have stolen my identity from opening accounts in my name i have sent you copy of my police report and other documents showing i am a victim of identity theft and you guys mailed me a letter on XX/XX/XXXX saying i made payment arrangements therefore I'm accepting responsibility of this account i XXXX XXXX have never made payment arrangements with American Express so am not accepting responsibility for this fraudulent account. 

i do have some questions that I would like answered? 
I would like to know why you never contacted me after running my credit report and seeing there was a fraud alert on there? 
and according to my XXXX credit report the credit limit was XXXX dollars but the person who stole my identity was able to spend XXXX plus dollars how did this happen?
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have filed a complaint many times an it draining me emotionally and affecting me financially an I need this fixed. The continue to report incorrect an inaccurate information about me on my consumer report. They have XXXX calender days to prove any of these alleged private transactions were mind and show me documentation that I gave verbal or written consent to share to a third party. I have a right to privacy and you violated me for the last time. Send me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response XXXX FIN XXXX and remove all inquires list in uploaded file
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had two separate charges from a company that I didnt authorize it was noticed when I checked my bank statement after the card was lost and given a new XXXX these are transactions with the old debit card that I never authorized in the amount of XXXX I filed a complaint and BOA will not refund me I never authorized those I do not have that debit card and those were unauthorized transactions for a company I dont even know or have never been affiliated with. I had several other charges from a similiar company that was found unauthorized and they refunded me in the same card these are the last XXXX I found and they refuse. 

Account ending - XXXX Claim ID : XXXX
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX and equifax are both reporting wrong information on my report stating that XXXX auto loan was charged off when it was paid in full. I have letter from XXXX saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.
Consumer complaint received 2023-04-12
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. (NV)

In accordance with the fair credit Reporting act XXXX, XXXX and TransUnion have violated my rights. 

15 U.S. Code 1681a.2 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.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AZ)

I received a call about a week ago regarding a bill from XXXX that I truly believe was taken care of months ago. I requested a validation of the debt because of this and the collector refused. I continued to ask for validation and why he could n't provide it. He became very heated and argumentative at which point I ended the call as I was not going to tolerate the yelling. 

He immediately called me back and said " our call must have been disconnected '', which clearly was not the case. He continued to be loud and argumentative. He then indicated that he was marking my account as refusal to pay ( even though I have not refused to pay ). I told him to do what he felt he needed to do, but since this was n't the case I needed to speak to a supervisor. 

This supervisor was made aware of the issue and that there was at least XXXX FDCPA violation. He indicated he was going to review the call recordings, speak with quality assurance and take the proper steps to rectify the situation as well as request a validation of the debt. He was to get back with me regarding the situation, but no call or letter was received to this effect. 

Fast forward to today, I get a call from another bill collector ( same company ) and he indicates there are no notes about this previous call having issues, no request for quality assurance to review and no indication that I made claims of FDCPA violations. I request to speak to his supervisor to verify this information and I spoke with XXXX who was very nice, but did indicate the only thing notated was that i requested a bill from them. He indicated he was going to take action on this, but still tried to collect the balance on the bill. I know they need to ask, I worked in collections for 10 years. It just seemed slightly inappropriate given the circumstances of why I was speaking with him. 

Thinking further, they also did not do anything to truly verify I was who they were looking for. Granted my name is quite uncommon, they just asked if I was so-and-so and did not request I verify an address or date of birth or anything of that nature.
Consumer complaint received 2024-06-02
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 asked all three bureaus- Equifax XXXX XXXX, and XXXX numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. XXXX alone showed over 20 different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else. 
5. I also located duplicate accounts with late payment histories from XXXX XXXX XXXX  credit card company that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX 1 ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.