davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Regional Management Corporation (NC)

regional finance pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.
Consumer complaint received 2024-05-28
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. (IL)

I am writing to formally lodge a complaint against Equifax regarding their persistent non-compliance with federal regulations and their unethical tactics during the investigation of disputes. Despite numerous attempts to resolve these issues directly with Equifax, their actions continue to reflect a blatant disregard for the Consumer Financial Protection Bureau 's ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have submitted multiple disputes to Equifax, addressing inaccuracies in my credit report. However, Equifax has consistently failed to adhere to the mandated investigation timelines. Each time I have reached out for an update, I am met with the same generic response : " Company response is in progress. '' This phrase has become a repetitive and frustrating barrier, preventing me from receiving the timely and fair resolution to which I am entitled. 

Equifax 's tactics to avoid detection and accountability are evident. Their delay tactics and failure to provide substantive updates suggest an intentional strategy to exhaust and deter consumers from pursuing their rightful claims. It is unacceptable that a major credit reporting agency, entrusted with safeguarding and accurately reporting consumer information, engages in such deceptive practices. 

I demand to know how many " progress '' responses Equifax has issued and how many investigations are genuinely being conducted versus being delayed indefinitely. The lack of transparency and accountability in their process is deeply concerning and undermines the trust and integrity of the credit reporting system. 

I urge the CFPB to take immediate action to investigate Equifax 's non-compliance and enforce stringent penalties for their continued violations. Consumers rely on the CFPB to uphold fair and ethical practices within the financial sector, and Equifax 's conduct is a stark violation of these principles. 

Please confirm receipt of this complaint and provide an outline of the steps the CFPB will take to address this matter. I am prepared to provide any additional information required to support this investigation and ensure that Equifax is held accountable for their actions. 

Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2022-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (VA)

XXXX XXXX  of XXXX ( XXXX ) mailed us a final notice for payment, dated XX/XX/2022, at our address charging XXXX {$390.00} for services performed on XX/XX/2022. They stated that it was the final notice and the last statement was sent on XX/XX/2022 - we were informed to pay the entire {$390.00} or our account would be placed with a collection agency within 30 days. We had not received any of the prior statements and XXXX had not notified our health care insurance provider ( the address and medical provider details were provided to the practice multiple times ). Upon calling XXXX 's billing department and speaking to them on XX/XX/2022, they confirmed that they had pulled up an incorrect address from the system instead of our current address that had been provided to them and had also failed to report the services to our health care insurance provider. They informed us that they will correct the address, process the claim through our insurance provider, and that the clock resets for 30-45 days. We received no updated bill from XXXX but on XX/XX/2022, we received a mail from a collection agency with a delinquent account due of {$38.00} ( with insurance having paid the {$350.00} ). They stated that we hadn't paid in response to previous statements. It is clear that XXXX had again failed to update our address and sent statements to an incorrect address resulting in delinquency.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-28
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. (NJ)

According to

15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

Since XXXXXXXX XXXX XXXX  I have been unable to obtain credit from any entity using Equifax to check my credit. The response they receive is that there is a block on my Equifax report yet Equifax claims that there is none. 
I can't even get it from my Equifax online account. When logged in it says it can not provide my report since XX/XX/scrub>XXXX XXXX 

Whenever I call the Equifax customer service line, I speak to people who have no idea what the issue is and don't have a way to resolve it. Their only recourse is the same response. " We will escalate it to our tech team '' Then they ask me to MAIL a copy of my driver 's license, social security card, and bank statement to verify my identity. 

After a few weeks I get a template letter saying thank you for contacting Equifax and they ask for the exact information they already received. 
I have done this multiple times in the last 6 months by sending my information to : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX They need a HUMAN BEING to correct this problem and not a computer. 
Equifax is causing me to be denied my right to obtain credit through this issue.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-05-28
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. (GA)

XXXX, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating the FCRA ,
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2022 XXXX XXXX XXXX ' sent a payment in the amount of XXXX XXXX dollars, as a payment for tourist services. 
Sending bank : XXXX XXXX XXXX  ( XXXX ) Beneficiary bank : XXXX XXXX XXXX XXXX XXXX XXXX ) through JPMORGAN CHASE BANK , N.A . ( XXXX ) Bank Sender Reference : XXXXXXXX XXXX  : XXXX The beneficiary 's bank ( XXXX XXXX XXXXXXXX XXXX  ( XXXX ) ) after XXXX this XXXX sent it back along the route : XXXX XXXX XXXX JPMORGAN CHASE BANK- XXXXXXXX XXXX I have confirmation from XXXX XXXX XXXXXXXX that the payment was received by them and sent to JPMORGAN CHASE BANK 06 apr 2022 ( attached ). 

On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. 

We tried several times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all our appeals are attached. ) to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2024-06-07
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacyTrans union are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of 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. '' Under this title, furnishers of information to credit agencies are defined as financial institutions.

15 USC 1681, Section 604a2, states, " 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.trans Union, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto XXXX, XXXX, and the furnisher of information to credit agencies.

15 USC 6802 ( b ) ( c ) states, " 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 has never informed me of my right to exercise my nondisclosure option. Additionally, 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 being reported without my permission, which is against the law.

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. '' Additionally, 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 XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (PR)

Experian got in their phone application a tool that is call, File Lock, this tool pretty much do what it said, lock your credit file so no one can have access unless you authorize. 
I started using this service by the beginning of XXXX. Around XX/XX/XXXX I applied for XXXX XXXX XXXX, they told me back that my file was lock that I needed to unlocked. I tried multiple times and the app didn't allow me to unlocked my file. I contacted Experian in XXXX, XXXX, XXXX, and XX/XX/XXXX at least 4 times a month and none of the customer services representative was able to unlock my file. 
They open a trouble ticket and told me they will solve the situation. One month past by and no communication of any type. I call back around XX/XX/XXXX and they told me they were working with the situation. Finally around XX/XX/XXXX I receive an email telling me that my file was locked because some information was incorrect on my file, which doesn't make sense because I was the one that locked my file, but the email continues explaining that I was to contact them to fix it. I been trying to contact them since then without any response. Now XX/XX/XXXX I'm trying to buy a XXXX system for my house and the company selling me the system use Experian to look into their clients credit, so again I've been denied because of this issue. It's been a little more than a year that I been denied applications because of this issue. Experian is blocking and denying my financial freedom without reason. 
I will like you to help me because even their customer service phone number is a machine, which doesn't provide any help or option to talk to a human being which can understand this situation. 
Hopefully you can help me.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent XXXX  a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). XXXX sent a response to me stating that these accounts were verified and accurate when they are not. I sent XXXX  another dispute on XX/XX/XXXX XXXX XXXX Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX BANK # XXXX XXXX XXXX XXXX SERVICES # XXXX, XXXX XXXX # XXXX, are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all 3 credit bureaus. Also, according to 15 USC 1681s-2, 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. Please refer to the attachments.