davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the inaccurate reporting of my credit information and the violation of my privacy rights by Experian, one of the major credit reporting agencies. As a federally protected consumer, I am opting out of the following accounts that are negatively impacting my credit : 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 XXXX XXXX XXXX XXXX XXXX Despite providing written instructions to Experian to remove these items from my credit report, they have failed to do so, thereby adversely affecting my creditworthiness. Furthermore, I am a victim of the XXXX data breach, and XXXX has reported information without my consent. 

This situation raises concerns about the violation of the Privacy Act of 1974, and I believe several U.S. Codes and regulations are applicable to this matter : 1. **15 U.S. Code 1681b : ** Permissible purposes of consumer reports 2. **15 U.S. Code 6801 : ** Protection of nonpublic personal information 3. **15 U.S. Code 6802 : ** Obligations with respect to disclosures of personal information 4. **CFR 1016.7 : ** Disclosure of adverse action 5. **12 CFR 1016.10 : ** Form of disclosures 6. **12 CFR 1022.24 : ** Privacy of consumer financial information 7. **16 CFR 313.1 : ** Definitions 8. **16 CFR 313.7 : ** Violations deemed unfair practices under Section 5 of the FTC Act 9. **Fair Debt Collection Practices Act ( FDCPA ) : ** Pertinent to XXXX XXXX XXXX I request a thorough investigation into this matter and urge the Consumer Financial Protection Bureau to take appropriate action to rectify the inaccuracies on my credit report and ensure compliance with federal laws and regulations. 

Please Remove all items that are negatively impacting my credit and causing undue emotional stress I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account has been charged off. However, I did not authorize this company to report this this information on my credit report. 
According to 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 an account without my written instructions.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.
Consumer complaint received 2024-05-07
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 found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-01-03
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. (AZ)

Experian is reporting Inaccurate information on my report, that isnt mine. They are in violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ACCOUNTS XXXX XXXX  XXXX XXXX XXXX ( LATE PAYMENT ) FCRA VIOLATION- 15 USC 1666b- TIMING OF PAYMENTS STATES : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



Also they are in violation of 15 U.S.Code 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-07
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)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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 And I demand removal of these incorrect addresses : 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.
Consumer complaint received 2024-01-03
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. (CA)

Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my XXXX XXXX and prevented me from doing much as I am no shackled. Normally I am not XXXX to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX  error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

On XX/XX/year> my CashApp account was charged {$39.00} by XXXX for a XXXX subscription. 
On XX/XX/year> I contacted XXXX about this charge. 
On XX/XX/year> XXXX responded that they would refund the charge of {$39.00} The subscription was cancelled on XX/XX/year> and they stated the refund was sent to my bank ( CashApp ). 

To date I have not received the refund. 
I have contact CashApp several times and they state that they have not received the funds from XXXX. 
I disputed the charge with CashApp and they denied the claim and has refused to refund the charge. 

Neither XXXX nor CashApp will respond to my request for an update on where these funds are.
Consumer complaint received 2024-01-03
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. (GA)

this account has been on and off my credit report. i called XXXX XXXX account # XXXX XXXX several times to let them know this was a fraud i also sent them the police report. They are continuing to put this on my report every year. please have it removed from my credit report.
Consumer complaint received 2024-01-03
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. (TX)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF ON XX/XX/2023
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-07
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)

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXT Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX 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/XXXX
Consumer complaint received 2024-05-07
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
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. (PA)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Accounts # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 USC 1681 section 604 A section 2 it also states a consumer reporting CAN NOT FURNISH AN ACCOUNT WITHOUT " MY WRITTEN INSTRUCTIONS ''.

15 USC 168c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item of information.

Any adverse item of information other than records of conviction of a crime which antedates the report by more than 7 years.

15 USC 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I had the chance to pull my credit report and review it because I always get alerts via email stating that I have derogatory information on my credit report. I have been a victim of identity theft and I certified that these accounts are not related to any transaction done by myself. I then reach out to the credit bureaus and they explain that because it's identity theft, I would need an FTC report with the listed fraudulent accounts. This has been affecting my credit for some time now. It wasn't until I was getting a house for my family that I noticed these accounts. Also, I am asking that this be removed within 15 days.
Consumer complaint received 2024-05-07
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. (LA)

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 XXXX XXXXXXXX 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 2024-01-03
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. (CA)

XXXX XXXX XXXX XXXX are being reported negatively on my credit file and should not be. These are fraud charges and accounts and have been notified of such multipole times now. 
these accounts do not belong to me.
Consumer complaint received 2024-05-07
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. (NC)

THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE SECU ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE. 

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION. 

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( XXXX, XXXX, AND TRANSUNION ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

Hello, this is in regards to Client Reference # XXXX with the XXXX XXXX XXXX and Collections Account # XXXX The XXXX XXXX XXXX hired solicitors to go around the neighborhoods to create new accounts. I signed up for a Sunday only subscription about two years ago.

For whatever reason, I never received the Sunday paper that I wanted for the local coupons. After a year, I received a bill in the mail to renew my subscription. There was a customer service number on the bill and I called to complain about not receiving our paper. It was explained to me that they were sorry and that they would look into it. I would like for someone to please, please look into this as I am sure that they will enter a negative report on my credit rating. 
Thank you for looking into this. 
Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

Requested documentation for proof of legitimacy, ownership as well as items reporting as a charge off. These items do not belong to me and proof of ownership has not been provided. 
I have filed disputes and complaints and none of these Items have been removed from my credit report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive been trying to reach out to the creditors and Equifax regarding the inaccuracies on my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2023-10-29
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX