davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act 15 U.S.C. 1681 Section 802 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. With that said- XXXX and Equifax are Consumer Reporting Agencies and I am the Consumer. I as the consumer have the right to make sure my privacy information isn't shared which is back by 15 U.S.C. 6801 that states " It is the policy of the 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 consumers ' nonpublic personal information ''. XXXX XXXX XXXX is a financial institution by definition under that specific title. Furthermore, 15 U.S.C. 1681 Section 401 ( a ) ( 2 ) states that " 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 ''. The financial institution XXXX XXXX XXXX and the consumer reporting agencies Equifax and XXXX do NOT have my consent to furnish any information in regards to the XXXX XXXX  account ending in XXXX and they surely do NOT have my written consent either. Any and all consent to Equifax, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 U.S.C. 6802 ( b ) ( c ) states that " 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 ''. XXXX XXXX XXXX never informed me of my rights to exercise my nondisclosure options. Not only that- 15 U.S.C. 1681 ( c ) ( 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 that they are reporting without my permission which is against the law. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is your notice that I am opting out of your reporting services.
Consumer complaint received 2023-10-27
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to get a refund for an account I lost access to and was being charged {$25.00} a month. 
I have been charged {$420.00} in fees and have not been able to access nor close this account. In XX/XX/2022 I tried unsuccessfully to get the fees reversed and gain access to the account by going in person. I continued to get charged {$25.00} a month and did not get the fees from XXXX resolved. 

I went into the office yesterday to talk to XXXX. She said she couldn't close the account and I would need another appointment and to return the next day. 
Today I spent an hour at the XXXX office talking to XXXX XXXX who said she couldn't " reverse fees even after talking to XXXX and Checking on the phone. I was then told by XXXX to escalate to you. They helped change the account to avoid fees and get a debit card to get access. I was told that I couldn't close the account if I wanted to get refunds though this practice had been used prior to extracting further funds. 

I would like to get my money back and stop being charged fees. I did not know how this process started but I believe it's related to an XXXX account. As such I am trying to settle this through Bank of America but will likely file complaints to regulators and the attorney general about my banking. For obstructing the closure of accounts and charging fees suddenly without consent and not allowing me to get funds out. 

This has gone on for many years now and I have never had this before except with XXXX XXXX and an XXXX account that the reverse course on promptly after filing. They also stopped opening accounts randomly.
Consumer complaint received 2023-08-29
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  - XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I sent Experian a dispute letter for XXXX account from XXXX XXXX and XXXX accounts from XXXX XXXX and XXXX account from XXXX XXXX XXXX that is reporting on my credit report. I didn't receive nothing back, so i disputed it online now. I get my credit report on XXXX from Experian, and now its showing XXXX accounts from XXXX XXXX  and XXXX Accounts from XXXX XXXX  and XXXX account from XXXX XXXX XXXX ( THESE ACCOUNTS ARE DUPLICATES ). THIS IS A VIOLATION FOR INACCURATE INFORMATION ON A CONSUMER REPORT. I have also sent debt validation letters to XXXX and XXXX to validate the debt and they can't even respond. I have made complaints through CFPB as well to have these removed.
Consumer complaint received 2024-04-23
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. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-04-23
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 disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX # XXXX ) In accordance with the FAIR CREDIT REPORTING ACT law 91-505, Title VI, Section 611, Subsection A-D, Please send me an update copy of my credit report after your re-investigation
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

There is no account number for XXXX XXXX on my credit file. 

XXXX XXXX states that this account was charged off as a bad debt. I should receive a 1099-C as this would be income on my taxes. 

Income should not be listed on a credit report. Please remove the account.
Consumer complaint received 2023-10-27
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. (FL)

My purpose in writing is to let you know that I have seen various misleading and incorrect details on my credit report and I want these accounts to be removed immediately. I have already stated my concerns to my letters and kindly send my them to TransUnion, XXXX and XXXX for further investigations on those accounts which they've furnished on my credit report.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of the charge-off reported on my credit file associated with account number : XXXX and account number : XXXX. This request is directed toward the charge-off recorded on XX/XX/XXXX and XX/XX/XXXX, as listed in my credit report. After reviewing my financial records and the circumstances that led to the reported status, I believe that the charge-off was reported in error due. To support my claim, I have included relevant screenshot. I kindly ask that you review my case and consider the removal of this charge-off from my credit records. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 

Account number : XXXX XXXX charged off XX/XX/XXXX Account number : XXXX XXXX charged off XX/XX/XXXX
Consumer complaint received 2023-09-13
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-24
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. (CA)

I lodged a complaint with these XXXX XXXX XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 XXXX 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, Experian, and XXXX data breach.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have always made sure that payments on this account are made on time, avoiding any overdue charges. However, I am uncertain about the reasons for reports indicating late payments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In my 1st complaint I stated the following I have reached out to all 3 major credit bureaus, asking them to verify these accounts and to do investigation on everything on my credit report, and they did. The 3 major credit bureaus stated that everything was accurate. After looking over my credit reports and doing my own research I found some inaccurate items still listed on my reports. Some items are being reported on different dates some items show that the accounts were open on different dates. I advised that my credit report show be accurate across the board and should not have any discrepancies. This is not the case in my situation. In accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. Therefore I demand this account to be removed from my credit report. 

I received a response from Equifax stating the account is no longer reporting on my credit report but today as of XXXX the account # XXXX is still reporting on my report Please remove and delete this account from my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, I have not signed any legal document with this company.. Therefore I demand this account to be removed from my credit report
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX. I became aware that my personal information was impacted the Equifax XXXX XXXX. I noticed unrecognizable accounts on my credit report with Equifax, XXXX and XXXX. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

My U.S Bank account was hacked/unauthorized withdrawal for a total amount of {$1200.00}. My card had an unauthorized withdrawal made the first time for XXXX and the XXXX the second time by a bill pay transaction with XXXX XXXX. I spoke with a bank representative after receiving an alert saying my email was changed. I called the bank and alerted that withdrawal wasn't me. The representative told me that they would investigate, send dispute forms, send me new bank card, refund the funds and she was going to change my email back.The following week my card had the same error/withdrawal ( XXXX ). I alerted bank. I recieved the dispute papers and fax the paper work. A few hour later I received {$1000.00} on my bank. An hour later the same thing happened with the same name attached to the transaction. I made a dispute again. My account has been compromised. I have made no withdrawals.My account was dormant for three months.I have no allotments.
Consumer complaint received 2023-12-02
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. (GA)

Dear Equifax Information on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The correct address is XXXX XXXX XXXX XXXX, XXXX  XXXX Accounts : XXXX XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX PLEASE SEE ATTACHED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 
Thank you