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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and 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 2024-01-25
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 trust this communication reaches you with the urgency it demands. I am writing to bring to your immediate attention critical matters concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), with a focus on XXXX XXXX 

As stipulated in 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies, including Equifax and XXXX, fulfill their duties with fairness, impartiality, and utmost respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy, highlighting the obligation of financial institutions like XXXX XXXX to safeguard customer privacy and protect nonpublic personal information.

I assert my right, as the consumer, to prevent the unauthorized sharing of my private information, supported by 15 USC 6802 ( b ) ( c ). Despite this, XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, lack my consentwhether verbal, non-verbal, written, implied, or otherwiseto furnish this information. 

It has come to my attention that XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, a clear violation of 15 USC 6802 ( b ) ( c ). Additionally, the reporting of adverse information without my permission, detailed in 15 USC 1681C ( a ) ( 5 ), is a direct contravention of the law.

Under 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is impermissible to furnish inaccurate information to a consumer reporting agency. Equifax and XXXX currently do not maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to avoid violations and limit the furnishing of consumer reports to legitimate purposes.

Moreover, I note the illegal reporting of transaction history, excluded under 15 U.S. Code 1681b ( A ) ( i ). Reporting transaction history is in direct violation of the FCRA.

In response to these violations, I demand immediate action to rectify these breaches and ensure full compliance with the FCRA.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have disputed this account with the XXXX XXXX XXXX on multiple occasions with no response. On XX/XX/2024 I submitted a complaint through the CFPB portal requested account information and validation of the debt but have yet to receive an acknowledge or any response with the information requested. I have attached the previous complaint submitted on XX/XX/2024 as well as proof of the items posted on my experian credit bureau. These accounts are reporting inaccurate misinformation and needs to be removed immediately.
Consumer complaint received 2024-04-25
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. (NJ)

please delete the following accounts and inquiries Account Name : XXXX, XXXX. 
Balance : {$620.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX, XXXX Account Number : XXXX  When was the Account opened XXXX. XXXX, XXXX Account Balance : {$3200.00} Account Name : XXXX XXXX XXXX Balance : {$13000.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (GA)

During my last conversation with the lady at AR RESOURCES INC ( XXXX I believe ), I explained to her that I would not pay {$50.00} per month like I have been for the past XXXX months. She has not tried to work with me in settling in full. I have asked multiple times. So our last conversation, I asked her to provide me with everything - all documents and amounts that I owe and to mail the to me. I told her I refuse to pay anything more until I see how much her company purchased my debt for. She told me that such documents dont exist! So she retaliated by reporting my debt. 

When I locked my credit card and she couldnt process my payment, she ran it repeatedly to try to complete. I have asked her repeatedly to negotiate in full but she says she can only do a XXXX percent discount.
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

There was fraud that occurred on my IKEA Projekt Credit Card. Everything was resolved, but when the fraud occured they had credited me twice which trigged their system that I made a payment for the remaining of my balance. After updating and getting the actual amount owe, I was being charged interest for the amount I owe, which I was on a 0 % interest promotion until XX/XX/XXXX. I have contacted IKEA Comenity since XXXX and have not got a solution or an update regarding this issue. I been charged interest since XX/XX/XXXX. 
The following date and amount I been charged interested from today : XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00}
Consumer complaint received 2024-05-04
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (OH)

This company and my self are in a breached contract the contract I signed with XXXX XXXX XXXX XXXX XXXX in 2019 Pac Auto Finance is not mentioned in the contract not one time so the contract is fraudulent and the manipulation of my security is security fraud, the IRS sent this company a letter demanding them to file out the tax forms 1099A and 1099C because in 5 years they havent filed no taxes on the XXXX they received on the signing date and when I call about the information I needed they refuse to tell me the answers which is another violation
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (ID)

XXXX XXXX I purchased an outdoor carport was the only thing I purchased .. it started falling apart so I contacted the warranty and they sent shipment labels to ship it back for full refund I had my neighbor there when the XXXX  picked it up make sure they took everything which they did and XXXX  cant find it and the warranty place never got it and now they have closed my account and want me to pay for something I dont have
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (CA)

I used to have a Paypal account and then thieves got a hold of my debit information somehow and compromised it so I had to get a new one. In the process, I had so much trouble with Paypal, I decided to close the account. It took endless amount of time, research, and persistance, but I finally succeeded. However, now I am having trouble with some merchants such as XXXX  XXXX which are using Paypal billing services and now my card is not going through for those merchants. I think Paypal is getting to big for their britches, to use a colloquial term, and need to be set right. I hope you can do this. I have sworn off using XXXXXXXX XXXX XXXX  to order anything because since XX/XX/XXXX, payments have failed to go through, commencing with a try in XX/XX/XXXX and again today, XX/XX/XXXX. I told them to fix the problem and they didn't so that's their consequence. However, I don't want the Paypal problem to continue and spread. The reason I think it's them is that XXXX XXXX XXXX accepts Paypal as payment, which they didn't before, and because I discovered while searching on XXXX that one possible reason for decline could be a card associated with a Paypal account that was closed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

THE FOLLOWING DEBT WAS NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C.

1681.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

Ive sent target numerous debt validation letters, asking for proof of debt. They responded one time and said they would send me the information, but never responded again. When Ive disputed the information on my Experian report, they keep denying my dispute yet they havent followed law that says they have to provide me with that information and in a timely manner
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WI)

I received a copy of my consumer report for XXXX due to { inaccurate information furnished on XXXX } and I have reason to believe the following item of information to be inaccurate : Comenity Bank/Kay Jewelers : Last Payment Made on XX/XX/2021 but the Payment History Shows that the account was ( OK ) up into XX/XX/2021, and XX/XX/2021 so how could the Last Payment Made be for XX/XX/2021 this is inaccurate. Also, in the Payment History portion there is no data reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2021 for the ( scheduled payment ), the ( Amount Paid ), the ( Past Due ), and the ( Balance ) From the payment history except on XX/XX/2021 where they provided data for XXXX month out of XXXX. I am confused as to what is reporting XXXX XXXX percent accurate if data is not furnished accurately and complete. If we look further into the Payment History portion the first late payment allegedly started XX/XX/2021 for 30 days, XX/XX/2021 for 60 days, XX/XX/2021 for 90 days, XX/XX/2021 for 120 days, XX/XX/2021 for 120 days, XX/XX/2021 for 120 days and XX/XX/2021 Charged Off. There is adequate amount of proof that this account has inaccurate information reporting to my consumer report. Furnishing that the payment has been late 120 days for XXXX straight months is absurd and inaccurate. Comenity Bank/ Kay Jewelers stated in their responses letter from prior dispute that " the account was Charged Off due to nonpayment on XX/XX/2021 '', but this does not make sense. Comenity Bank/ Kay Jewelers also, stated " Were reporting the account with a XXXX balance owed to us as of XX/XX/2021 '' but my consumer report shows the account was Charged Off with a {$0.00} Balance, {$0.00} Past Due, and a {$0.00} Amount Paid around XX/XX/2021 not XX/XX/2021 there are too many discrepancies, inaccuracies, and incompleteness furnished on my consumer report that has caused harm to my reputation from both the Credit Reporting Agency and Comenity Bank/ Kay Jewelers . It is in fact true the following account on my consumer report is reporting inaccurately and is in fact incomplete. I know that all the inaccurate information mentioned above is reporting inaccurately so please delete account.
Consumer complaint received 2024-05-04
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)

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, 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 2024-05-04
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. (OH)

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NC)

I am a victim of identity theft and I advised One Main that I was. I am not reliable for the erroneous balance that is reporting to my credit file. One Main attempted to file civil lawsuit against me, but later dismissed with prejudice. This told me that they did not have the adequate information that I was requesting from their institution. I have never signed a legal binding contract with One Main. Once I started getting harassed by One Main about this alleged debt, I knew I was a victim of identity theft. My certified letters to One Main and my calls made to their company has not gotten me anywhere. Someone else is using my name, identity and SSN for financial and personal gain and I will not be held liable.
Consumer complaint received 2019-11-15
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: Exeter Finance, LLC. (NC)

In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called allied auto financing. There should be only that and XXXX on my hard inquiries and there is XXXX. Im being hurt by all this credit issues
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IN)

I am writing to file a complaint against Jefferson Capital System for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : Jefferson Capital has not provided validation information, but yet have placed a collection on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account.

12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of.
Consumer complaint received 2024-05-04
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. (MI)

Pursuant to the CFPB, the definition of a consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : XXXX credit or insurance to be used primarily for personal, family, or household purposes. 

Pursuant to the CFPB, the term consumer report does not include any of the following : XXXX. 
any report containing information solely about transactions or experiences between the consumer and the person making the report. 

XXXX, TRANSUNION & XXXX along with their subsidaires have blatantly disregarded this matter and continue to report derogatory information on my credit report such as LATE PAYMENTS and CHARGED-OFF accounts -that are transactions solely between myself the consumer and the issuer of the credit. This direct violation of the FCRA, has caused my credit score to tank/decrease more than 100 points, rendering me ineligible to apply for a mortgage and other credit related products. This matter has seriously impacted my life in a negative way, and hope to resolve this matter without seeking further legal assistance.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, XXXX, Transunion, XXXX Are not reflecting proper credit age.
Consumer complaint received 2024-05-04
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)

Announced in XXXX of XXXX XXXX XXXX XXXX has said that back In XXXX they had a data breach which unfortunately I was a part of causing me to suffer from financial hardships because of the identity theft thats occurred with my identity.XXXX XX/XX/XXXX, Anthem filed a breach report with the XXXX Office for Civil Rights detailing that, on XX/XX/XXXX, they discovered cyber-attackers had gained access to their IT system via an undetected continuous and targeted cyberattack for the apparent purpose of extracting data, otherwise known as an advanced persistent threat attack. After filing their breach report, XXXX discovered cyber-attackers had infiltrated their system through spear phishing emails sent to an XXXX subsidiary after at least one employee responded to the malicious email and opened the door to further attacks. XXXX  investigation revealed that between XX/XX/XXXX and XX/XX/XXXX, the cyber-attackers stole the ePHI of almost XXXX XXXX individuals, including names, social security numbers, medical identification numbers, addresses, dates of birth, email addresses, and employment information. This is something I was unfortunately was apart of that caused identity theft ti happened in my name and suffer from financial hardships.