davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  - Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) 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 a account without my written instructions
Consumer complaint received 2024-01-02
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. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-02
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. (NY)

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 name : # XXXX, Account name : # XXXX, 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 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 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, by chance I browsed spam email in my XXXX account and found collection notification for following account XXXX Account # : XXXX Creditor : XXXX XXXX  Creditor 's Account # : XXXX Balance Due : {$250.00} I requested all the details regarding this collection. I believe that I don't own anything to XXXX XXXX. On XXXX XXXX I got Solar panel installed at my home. XXXX XXXX had no solar buy back plans and their meter reading calculation was not factoring-in any usage offset by locally generated electricity by solar plan. I contacted the XXXX XXXX representative multiple times and they had no support and answer for how to offset solar generated power, XXXX XXXX  meter reading was not accurate. Because of faulty reading I was charged wrong. I had no choice but to opt for a solar buy back plan. 
I request XXXX to go share and go through all the voice, email and chat transcripts from XXXXXXXX XXXX on our interaction on above transition. 
I raised concern to XXXX through their website as well as over phone. On XX/XX/XXXX I got response but explaianation on interaction with XXXX and lack of proper Solar buy back plan I believe the request from XXXX XXXX and XXXX is neither accurate nor ethical. All of us including XXXX XXXX  should support XXXX initiatives which is the most important agenda for the human race. XXXX XXXX  should have offered me solar buy back plan or atleast adjusted locally produced power by Solar panels. 

Kindly consider this as an formal dispute request and share all the information requested here. 
XXXX. XXXX XXXX meter reading specifications XXXX. How XXXX XXXX XXXXeading offset solar panel locally generated units XXXX. Why no solar buy back plan offered by XXXX XXXX  to continue customer service. 
4. Voice and email transcripts discussion with XXXX XXXX  XXXX, Why Discount is not responsible to support customers using solar panel and contribute towards greener planet Thanks, XXXX
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I tried to use an American Express gift card. This is a virtual, not physical, card. 
Nowhere I try to use it will accept it. Not for the full value and not for lesser values. I've tried nearly 10 online merchants as well as adding to XXXX XXXX and everything fails.
Consumer complaint received 2023-09-20
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-08-08
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. (FL)

All I wanted was the documentation that was provided to the credit bureaus from the bankruptcy court giving them permission to place any public record in my credit report. The law states only the original creditor can report an account to a consumers credit report and not a 3rd party. These companies are also violating my consumer rights to privacy pursuant to 15 USC 1681b 2. These companies have no permission to report anything using my info pursuant to 15 USC 1681 4.The credit bureaus are admitting to using 3rd party information and that is considered fraudulent and against the law
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 someone withdrew {$500.00} from an ATM in New Jersey. I got a notification on my phone and locked my card and called chase. Then chase called me and let me know someone tried to take out more money and they restricted my card. 

The card used was a replacement debit card, which I was waiting for in the mail. When I went to the local chase bank to change my accounts, they let me know it was an XXXX man who then went to the teller to get more money using my pin. 

In XXXX I was informed my fraud claim was denied because they used my debit card and my pin.they clearly have information that it was an XXXX man who took the money and the tellers flagged it suspicious. I was in XXXX at that time. There was no way it would be me or someone I know. I locked the card, if not, this personal would have cleared me out and chase would say it is not fraud and not reissue the money.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

In XXXX of 2023 my debit card was charged 11 times. I have finally been refunded all but one charge. I am still owed XXXX refund / reimbursement of XXXX dollars.
Consumer complaint received 2023-08-02
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. (TX)

There is a total inaccuracy on my credit report and i noticed that some inquiries that are not authorized are on my report, this violated my consumer right because i do not have nothing to do with the inquiries, I will like the following inquiries to be removed from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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. (LA)

I, XXXX XXXX XXXX, am writing to address concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and associated regulations. As stipulated in 15 USC 1681 section 602a, consumer reporting agencies such as Experian are duty-bound to uphold their responsibilities with fairness, impartiality, and a commitment to consumer privacy. Similarly, financial institutions, including XXXX XXXX XXXX, are mandated by 15 USC 6801 to respect consumer privacy. 

In accordance with 15 USC 1681 section 604a section 2, I wish to underscore that the furnishing of consumer reports is contingent upon written instructions from the consumer. To date, neither Experian nor XXXX XXXX XXXX has obtained my explicit written consent to furnish my information. 

By invoking my rights under 15 USC 6802 ( b ) ( c ), I am officially opting out of and revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been previously granted to Experian and XXXX XXXX XXXX. It is noteworthy that XXXX XXXX XXXX failed to apprise me of my right to exercise the nondisclosure option, as mandated by 15 USC 6802.

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account is deemed adverse and has been shared without my explicit permission, thereby constituting a violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). 

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to prevent violations. It has come to my attention that Experian may not be adhering to these prescribed standards. 
In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I respectfully request your immediate attention and resolution of these matters. Your prompt response to this matter is highly appreciated.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I filed several letters to remove incorrect or illegal information from my credit report. They received the letters but stated they do not think I sent them. Even tough I sent my ID and address verification with the letters. 

I called them to confirm it was me, as they requested in the letter they sent back to me, and they stated they would not be addressing my complaints.
Consumer complaint received 2024-01-02
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Over 2 months fighting against to XXXX or XXXX credit account. 
By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload 3 credit Bureaus report and there is showing 3 different names and account numbers. By the Law, account must report at least 6 digits or numbers in credit report which are missing, In XXXX and XXXX is showing me issuer name is XXXX and Experian showing XXXX XXXX, I contacted XXXXXXXX XXXX  and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXXXXXX XXXX now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in USA. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY 3 CREDIT REPORTS ....
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-12
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.

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 year
s.

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 2024-01-02
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: Experian Information Solutions Inc. (FL)

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXXs Fraudulent account XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please note that you have XXXX days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 

Please Explain and Provide : What your Investigation found and lead you to believe you are reporting these items as they legally should be reported? 

What legal official documents were reviewed to conclude your investigation? 

Provide me with a complete copy of all of the information that was transmitted to the data furnishes as part of the investigation. 

How much did it cost your company to obtain all the necessary documents needed to complete your investigation? 

The proof of your timely procurement of all legal documents. 

The person or persons you spoke to at the company that was reporting the information to confirm the accuracy of what you are reporting. 

For every XXXX of the above accounts could you please provide the following Docs/Information : Who did you speak to verify the accounts? 
What was the name of the employee? 
Who was the person who answered your calls/ Disputes? 
What position do they hold at the company? 
What type of formal training was provided to this employee that qualifies them to do the job in answering a dispute? 

Please provide copies of all the paperwork that proves the investigation took place. 

Along with your response to the above questions I kindly request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Consumer complaint received 2023-08-02
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. (MD)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2024-01-02
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX  student loan balance is reflecting as {$120000.00} on XXXX  credit report and my XXXX Bank credit History. It should be {$56.00}. XXXX  loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called Experian several times over the last XXXX XXXX and there has been no change. XXXX XXXX  in the process of purchasing a home and this needs to be corrected ASAP. Thank you. 

XXXX XXXX