davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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)

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  XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
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. (GA)

Someone has access to my personal information and has tried to open several loans in my name! Majority of the inquiries are shown to have taken place of XXXX. There are also hard inquires that I do not recognize prior to XX/XX/year>. I have listed all inquiries on my identity theft report. I have not applied for any type of loan nor tried to purchase any vehicle anywhere nor do I need another vehicle at the moment. I am needing the inquiries removed as they do not belong to me and have affected my credit score tremendously. I have filed an identity theft report as advised to do so and I will be adding a security freeze and fraud alert to my credit file.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to XXXX per violation and clearly they violated my rights.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent several NOTICES regarding delinquent child supports, JUDGEMENTS, fines and liens no longer be permitted per the FCRA to Transunion Consumer Credit Solutions regarding the FACT Act XXXX amendments and the FTC stating that " collection of an account '' is a permissible purpose to obtain a consumer report " only when the collection is in connection with a credit transaction ''. Transunion Consumer Credit Solutions has now once again violated this Federally consumer protected law and sent a letter dated XX/XX/XXXX stating " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. I've enclosed a letter from the XXXX XXXX XXXX stating the court does not have any direct form of communication with credit reporting agencies and does not report any individual bankruptcy information to credit reporting agencies The NOTICE sent was not a verification of debt to Transunion LLC. The NOTCE sent to Transunion Consumer Credit Solutions is from there own website and is from FCRA, FACT Act XXXX amendments and the FTC that JUDGEMENTS are no longer PERMISSIBLE on a consumer credit report and to COMPLY with the Federal Law to remove the BANKRUPCTY Judgment from my consumer report and Transunion has willfully neglect to follow the Federal Law. I have attached a copy of the scanned Transunion Consumer Credit Solutions Reply Letter as evidence of this violation of Federal Law. I am now under my right as a consumer to seek compensation pursuant to XXXX to commence lawful action and judgement against Transunion Consumer Credit Solutions
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint against TransUnion regarding their continued inaccurate reporting of information on my credit report. Despite numerous attempts to dispute these inaccuracies, I have seen no resolution, and the negative impact on my credit score persists. The most recent update to my credit report was on XX/XX/2023, yet the inaccuracies remain unaddressed. I have tried to dispute online, by mail, and by phone ( customer service doesnt seem to be based in US ). No help! I recently called and asked the representative how often do TransUnion update information? I was told that I had to wait until I noticed an inaccuracy then call to dispute the item. Which you are only allowed to dispute one item at a time, which is 30 days in between! These inaccuracies are adversely causing undue stress and frustration. 

I respectfully request that the CFPB intervene in this matter and take appropriate action to ensure that TransUnion fulfills its obligation to report accurate information.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America ATM ID : XXXX at XXXX XXXX EST on XX/XX/year> began processing a withdrawal from my XXXX account in the amount of {$450.00} plus {$6.00} in out of network ATM fees. The funds were withdrawn from the XXXX account. The Bank of America ATM dispensed my card and began the process to dispense the cash. I selected the option for the ATM to choose the type of bills for me. The ATM was louder than usual and sounded empty. An error message displayed on the screen indicating that there was an issue dispensing the cash and that the transaction had been canceled. The ATM screen said to note the ATM ID and contact the bank to report the issue. I called Bank of America, which I am a customer of. I planned to withdraw the cash from the XXXX account and deposit it into my Bank of America account. Customer service logged the ATM ID and stated that the funds would automatically be reversed in 1 to 2 days. The problem is that the money is need for rent that is due today, XX/XX/XXXX with no grace period. XXXX customer service stated that the reversal my take up to 5 days. Bank of America indicated that nothing can be done if I incur fees for the late rent since the canceled withdrawal was not from my Bank of America account.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-16
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. (OH)

I sending my dispute letters several times and receiving email from the bureaus saying I'm not the one who send out letters. which is definitely wrong because I'm the one who create and send my letters please take an action regarding my concern delete this accounts asap! 

Account Name : XXXX XXXX Balance : {$800.00} Account Number : XXXX Date Balance : XX/XX/XXXX Account Name : XXXX XXXX CO XXXX : {$15000.00} Date Balance : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00} Date Balance : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Balance : XX/XX/XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-06
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. (PR)

Dear Equifax Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX, XXXX XXXX : XX/XX/year> It is important to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned date. As a responsible consumer, I actively monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Furthermore, my Equifax credit report has an access alert, which requires lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises serious concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Equifax credit report. Additionally, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the integrity and security of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been removed from my Equifax credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution and response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
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. (OH)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-15
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. (FL)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on XXXX its reporting a late payment of XXXX days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 30 day late payment on XX/XX/XXXX and on XXXX a XXXX  day late payment, a 30 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. XXXX is reporting a XXXX day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on Equifax its reporting a late payment of 60 days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On equifax its reporting a XXXX day late payment on XX/XX/XXXX and on XXXX a 60 day late payment, a 60 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. equifax is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX XXXX day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the equifax credit report. on the XXXX credit report its reporting on time for the month of XXXX with no late but on equifax its reporting as a 30 day late. on XXXX its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX XXXX and equifax. ( see attached credit reports to this complaint ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-05-15
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. (TX)

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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-06
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. (VA)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-05
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. (GA)

I recently looked at my consumer profile and noticed that there are several unauthorized inquiries that I didn't authorize nor do I recognize. Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

The company has not credited the full chargeback amount of XXXX from XX/XX/XXXX paid to XXXX XXXX even though they have admitted that the company charged me the wrong amount and I have supplied them abundant evidence for chargeback reason code XXXX that the product or service was damaged.
Consumer complaint received 2024-05-06
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. (NC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : My goal is to ensure that the information on my credit report is accurate and reliable. I have decided to use my rights under FCRA to challenge any information in my credit report that is not accurate. This is just an allegation at this point, so I need you to provide evidence before taking any drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I'm fighting back against this injustice so I can get my life back! Please send over some physical proof of what has been done and an updated credit report.
Consumer complaint received 2024-05-06
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. (IL)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-06
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. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-06
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. (VA)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.