davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-02
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. (AZ)

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), consumer reporting agencies must handle their significant responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Equifax, XXXX, and XXXX are such 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 asserts that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. I have reached out to all three agency in hopes they would correct there gross misconduct by violating my consumer rights. 

A furnisher of information to credit agencies, considered a financial institution under this title, must follow these guidelines. According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer. Neither Equifax, XXXX, or XXXX nor any furnisher of information to credit agencies has my consent to share this information, and any previous consent is revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to opt-out. I was never informed of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item in question is being reported without my permission. Because of these laws being violated my personal information is not being used on the dark web and which case I am severely stressed out because the financial hardship that is being caused by this violation of my consumer rights.
Consumer complaint received 2024-05-22
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. (MI)

I saw on all of my credit reports that there are well over XXXX Inquiries that are fraudulent and must be DELETED within XXXX days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to XXXX and XXXX XXXXnd REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX and XXXX. DELETE ( ALL ) FORMER NAMES from XXXX DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : SELF EMPLOYED, XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( XXXX ) XXXX, XXXX XXXX AND EQUIFAX XXXX AS XXXX OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN FOUR BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to 15 USC 1681c-2. SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-22
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. (IL)

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 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 2024-08-29
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. (GA)

the following account does not belong to me under the FCRA fair credit reporting act you must report true and accurate information, PLEASE investigate this account and list every person you spoke to during you investigation and provide proof of every document bearing my signature, XXXX XXXX XXXX account.
Consumer complaint received 2024-08-16
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$89.00} XXXX XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (AZ)

I have a Fortiva XXXX XXXX credit card. Fortiva announced that it will charge an annual fee beginning XX/XX/XXXX. Not wanting to pay said fee, I wanted to pay off my balance and cancel my card. The phone numbers provided by Fortivas webpage and emails are not functioning numbers. Emails continue to go unanswered.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

XXXX received money on my behalf through a subsidiary named XXXX from a company for which I do consulting work ( XXXX ) but the money ( {$7000.00} ) was illegally transferred to Fifth Third Bank.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-16
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. (SC)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

US Bank has numerous times charged my credit card account on over the limit fee of {$39.00} when it was the interest they charged which caused my account to go over the limit. This is in direct violation of CFR 1026.6 ( b ) ( 3 ( 4 ) Over-the-limit fees attributed to fees or interest. A card issuer may not impose an over-the-limit fee or charge for a billing cycle if a consumer exceeds a credit limit solely because of fees or interest charged by the card issuer to the consumer 's account during that billing cycle. For purposes of this paragraph ( j ) ( 4 ), the relevant fees or interest charges are charges imposed as part of the plan under 1026.6 ( b ) ( 3 ).. I informed the representatives of this violation and requested the over the limit fees be refunded and they refused to do so.
Consumer complaint received 2024-08-16
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. (PA)

I am XXXX XXXX XXXX, and XXXX 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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-08-16
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. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Balanced {$700.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX XXXX {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$89.00} XXXX XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} US DEPT ED XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00} DP OF EDUC XXXX Balanced {$0.00}
Consumer complaint received 2024-08-16
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. (NY)

Tonight, I was shocked to see unauthorized inquiries on my credit report with no clear reason why. I routinely check my credit report, but this time, there were unexpected discrepancies. I refreshed the browser, hoping it was a mistake, but the inquiries stayed. Im asking that the documents Ive sent be carefully reviewed to ensure this issue is resolved and doesnt happen again.
Consumer complaint received 2024-08-16
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$1900.00} XXXX XXXX Balanced {$1400.00}
Consumer complaint received 2024-08-16
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. (MI)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-16
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. (PA)

I am XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Consumer complaint received 2024-08-16
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. (NJ)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>