davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (OR)

I have always made sure to pay this account promptly, ensuring nothing becomes overdue. I don't understand why there are reports of late payments on my accounts. As per 15 USC 1666b, any billing errors should be fixed.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-02-07
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. (TN)

In accordance with the Fair Credit Reporting act XXXX account # 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.
Consumer complaint received 2024-02-07
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. (TX)

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 2024-02-07
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the XXXX companies. Equifax, XXXX and XXXX all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. Equifax Request confirmation number : XXXX. I disputed with Equifax on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with Equifax that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on Equifax. NR and Untied wholesale both have late payments which have been disputed because they are not my debts. I have never had a XXXX Card and it's on my Equifax file as a closed account, which must be identity theft. As well XXXX, XXXX. I have received absolutely no correspondence from them.
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. (IA)

Experian credit reports include debt collection that does not belong to me. And refuse to remove unwarranted collections from my name. In my " credit overview '' it breaks the score into XXXX aspects. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report says all XXXX aspects are either good or fair. And the fact that the ALGORITHM used to determine this " score '' is not CONSUMER ENTITLED INFORMATION to review for imparities IS UNFAIR TO CONSUMERS.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the fair credit report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, States I have the right to privacy 15 USC 1681 Section 604 A, Section 2.It also states a Consumer reporting Agency Can not Furnish A account without my written Consent or Instructions. 

15 USC 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 if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s-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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX Golden 1. I made my external transfer for my May payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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  Account Number: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 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo has opened several fraudulent bank accounts in my name wells Fargo is answering only two only two the account ending in XXXX and XXXX. However Wells Fargo opened an account ending in XXXX that they have refused to send me any statements or any information concerning this account I recently spoke to a Wells Fargo representative who was answering to the fraud that took place on the other account at that time. The representative informed me that the account ended in XXXX was a legitimate account I said to the agent send me the statements from XXXX because that account was not legitimate The agent told me that she could not send me information concerning XXXX until there had been an investigation. However, according to her conversation she had informed consumer protection bureau that they were answering to my complaints concerning the other accounts today an email from Wells Fargo answering to every other account except the one ended in XXXX. Consequently, the email made reference to the account that I said was fraudulent that we had spoke about on yesterday. That was not the account that we spoke about. We spoke about the account ending in XXXX and account in which Wells Fargo refused to send any statements or acknowledge that that account was in my name only on the phone did the representative say we didn't send information about XXXX because the consumer only reported the account ended in XXXX to CFPB. I wanr to inform you that I need Wells Fargo to reply to my request to receive statements from account in it in XXXX This is the account that someone had opened and was sending monies to someone at XXXX XXXX and XXXX XXXX  XXXX and other utilities in the city of XXXX AL. This this is also the account in which I was told {$80000.00} a day could be drawn from that account. I need Wells Fargo to provide a statement concerning the checks that were cashed through this account and all the monies that were paid out from the account ending in XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (LA)

I 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, who's studying XXXX XXXX, helped me out by 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 if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX IS REPORTING LATE PAYMENTS ON MY ACCOUNT, XXXX XXXX REPORTS DIFFERENT LATE PAYMENT MONTHS TO EACH OF THE CREDIT BUREAUS. THE INFORMATION THEY ARE PROVIDING TO XXXX, EXPERIAN AND XXXX IS NOT CONSISTENT ACROSS THE 3 BUREAUS AND THEREFORE NOT ACCURATE. XXXX HAS A LEGAL OBLIGATION TO PROVIDE TRUE AND ACCURATE INFORMATION TO THE CREDIT BUREAUS. IF THE CREDIT BUREAUS SHOW DIFFERENT " LATE PAYMENT '' MONTHS FOR THE SAME ACCOUNT XXXX XXXX  IS CLEARLY NOT PROVIDING ACCURATE INFORMATION TO CREDIT BUREAUS AS REQUIRED BY VARIOUS STATE AND FEDERAL LAWS. I HAVE REACHED OUT TO XXXX SEVERAL TIMES REGARDING THESE DISCREPANCIES, I HAVE PROVIDED XXXX  WITH EVIDENCE SHOWING THE CLEARLY INACCURATE INFORMATION IN DATES AND HAVE ONLY RECEIVED BOILER PLATE RESPONSES REFERENCING THEIR INTERNAL COMPANY POLICIES. FURTHERMORE, THE THREE AGENCIES ALSO HAVE A LEGAL RESPONSIBILITY TO SHOW ONLY ACCURATE VERIFIED INFORMATION ON MY CREDIT PROFILE. IF HAVE PROVIDED THIS INFORMATION TO THE CREDIT BUREAUS AS WELL. THERE HAS BEEN NO REMOVAL OR CORRECTION OF THIS INACCURATE INFORMATION AS IS MY RIGHT UNDER BOTH STATE AND FEDERAL LAWS PROTECTING CONSUMERS.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VT)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX I HAVE MY ID ATTACHED To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, VT XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, VT XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
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: Experian Information Solutions Inc. (MA)

I was contacted by text message ; the sender came through as USPS. No number was attached with contact. I thought nothing of it because I was expecting a package from USPS that week, but for some reason that message had a link with it, and it wanted me to click the link because my package had gotten lost and wanted me to update my information. Once I clicked the link, I knew it was a scam, but I didn't think my personal information was leaked. couple days later I gotten alert on my phone saying that I should change all my passwords due to security alert. I had a lot of important formation on my phone like, my ID, passport social security number. 
within these past two years as I now started understanding credit and looking at my credit report, I noticed plenty of unauthorized hard inquires on my report and collection accounts that are not mine.
Consumer complaint received 2023-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been getting calls from PORTFOLIO RECOVERY ASSOCIATES for over 1 month now and I have picked up the calls occasionally but no one speaks and they hang up shortly after. They call me during business hours while at work and im receiving calls now past XXXX and they keep calling. Ive called back and can not reach an employee. Im XXXX, i only recently got a credit card and i dont have any debt from anything. No one im related to has died where i might have gotten their debt, i dont have any outstanding payments to anything and i keep getting calls and its seriously boiling my blood. They dont pick up and they dont stop calling. 
I have more than 5 phone numbers that have a caller ID of porfolio recovery
Consumer complaint received 2024-04-18
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. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.