davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I went for a job at XXXX in XXXX XXXX, fl. I moved to the next level of the hiring process well as onsite walk around and was offered the position of XXXX XXXX, pay at XXXX an hour and the schedule i will be working. I accepted the offer and signed that i accepted it. The background check came after that by first advantage who conducted the background check. The first thing that popped up from the background check post that i was on The XXXX XXXX for XXXX Offenders. My best friend who was with me at the time type in on her phone to see it again and it was gone. Then it was questions asking me what age was I and what age was the victim. Their has never been a victim and i have never ever been on any type of XXXX or XXXX offenders registry ever before. The it had my charges of the same at least XXXX time When my petty theft is XXXX which still said i was eligible my felony it stated decisional. My roommate charges are wat worse than mine and she gets hired for a different position but same company and i dont. The address on my report state i lived at XXXX different places which is not true. It also had me living in Florida and Virginia at the same time. I never used the last name Easterly ever in my life. I never ever spelled my name XXXX. I have never used or post my son social security number for anything only but for school registry. I have never ever XXXX XXXX use social security number to order, buy, purchase of get a loan in my name for anything. The social security number ending in XXXX i do not know who that belongs too. An Experian account was mase in my name XXXX XXXX XXXX who made herself co applicant and all the things i listed wrong from my background check is all the same stuff thats on this Experian account she put in my name. Their are also some other accounts on this Experian account that do not brlong to me as well like the XXXX XXXX and XXXX XXXX account about a sprint phone that definitely do not belong to me The XXXX offenders report or me being put on that XXXX go all the way back to XXXX of 2019 as being looked at in that type of manner through First Advantage and Lexis Nexis Done by my ex XXXX XXXX and her male companion of a different culture. She had this done to me and First advantage is using this in the wrong manner along with XXXX. I have retain legal consultant for this because now i can not even sit outside my house where as cars are stopping.people i do not know are getting on their phone telling others what i am wearing and my location. I feel i am being caused great harm or someone is going to do something to me because what they did. This has hindered me in retaining employment and how to live. I am taking this matter all the way to the top because you have allowed XXXX XXXX to put false information on me and now i fear my life is in danger
Consumer complaint received 2023-05-31
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. (TX)

I was in the phone with Equifax and a rep on XX/XX/XXXX asking about an account that popped up that's over XXXX XXXX XXXX it's XXXX XXXX. I asked what's the full name in the report the rep who is XXXX and XXXX : XXXX at XXXX stated she doesn't have that information. I asked what was the address on the account she stated she doesn't have that information i said well they had to send something to validate it's me. I asked how is an account open after 14 years I graduated XXXX in XXXX this account was open in XXXX I didn't have a job or a bank account for that matter. She said it takes 7 years after it's delinquent to be removed. I said well if I never made the account and never paid it should've been delinquent over 10 years ago. She said it was delinquent in XXXX and it has been updated to my credit after 14 yrs and and I told her if it's delinquent and only owed XXXX in XXXX somebody was paying it for XXXX and that ain't me. The address and full government name on documentation ain't mine nor is the bank account that's paying it because I do not have a XXXX account especially from XXXX. I feel like something fraud is going on. The fact it's been 14 years and just went delinquent and I've never made a payment is outrageous. Representatives always give me information but this lady would not because the facts would show that it's not my full name nor is it an address of mine or bank account that's linked to me. My credit score dropped twice dramatically for this and another reason that's not even showing up. No actual reason just dropped XXXX more points recently I think something strange is happening in Equifax I need your help with this matter.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FREEDOM MTG Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am not the owner of XXXX XXXX XXXX, and XXXX   XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX, I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2023-09-14
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. (TX)

I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Consumer complaint received 2024-07-29
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. (IL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation i
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MN)

Date : XX/XX/year> **Incident Summary : ** While checking my account, I noticed several unauthorized transactions on one of our bank accounts. 

**Missing XXXX : ** After I checked our Square bank account and noticed the unauthorized transactions, my husband realized that his wallet was missing. His wallet contained all his credit cards, including the card used for the fraudulent transactions. 

**Details of Unauthorized Transactions : ** Upon checking our Square bank account, we observed multiple suspicious transactions at various locations in downtown XXXX XXXX XXXX including XXXX and a XXXX XXXX. We do not have possession of the card in question because it was stolen along with my husband 's wallet and all other credit cards. We immediately canceled all our credit cards as soon as we noticed the unauthorized transactions and created a police report. 

**Visit to XXXX XXXX and XXXX XXXX ** We visited the XXXX XXXX  where some of the unauthorized transactions occurred. The shopkeeper confirmed that a XXXX woman, approximately XXXX '' in height, made several suspicious purchases there. He noted these transactions and informed his partner about them. The woman did not use a PIN for any of these transactions. Similarly, XXXX confirmed that the suspect did not use a PIN for the transactions made at their store. The total amount of unauthorized transactions were {$1000.00} dollars. 

**Contradiction with Squares Claim : ** Despite the evidence from the XXXX XXXX and XXXX XXXX that the suspect did not use a PIN, Square continues to assert that a PIN number was used for the transactions. This discrepancy has not been addressed or resolved by Square, and they are not making efforts to resolve my problem despite the clear evidence of unauthorized use. 

**Supporting Evidence : ** - Police report detailing the theft and subsequent unauthorized transactions. 
- Surveillance images from the XXXX XXXX  showing the suspect making the unauthorized transactions. 
- Statements from the XXXX XXXX and XXXX confirming that a PIN was not used. 

**Request for Review : ** We request a thorough review and reconsideration of our dispute for the unauthorized transactions, given the clear evidence that our card was stolen and misused without a PIN. The unauthorized nature of these transactions is evident from the lack of PIN usage and the theft of the card. Squares failure to address this issue appropriately is causing undue stress and financial burden. We hope this additional information will assist in resolving this matter favorably. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue to report on my credit report despite XXXX written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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)

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-06-25
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (NJ)

In c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Adverse Action Letter Notice to Agent is Notice to Principle ; Notice to Principle is notice to Agent. 

Pursuant to 15 USC 1602 ( c ) the term " credit card '' was used to initiate the credit cars transaction. The term credit card similarly as I have mentioned, means any card, playe, coupon book, or other credit device existing for the purposes of offering money, property, labor, or services of credit. 

The term adverse action NEVER mentioned anything about the consumer being " denied '' credit as the consumer can not be denied the credit ( s ) in which the consumer is " granting '' ( in this case ) your corporation ; which is that right to extend said credit ( s ).

Pursuant to 15 USC 1602 the term credit means " The right granted by a creditor to a debtor to defer payments of debt, or to incur debt and defer those payments ''.

Credit is a right for which I am the one who regularly extends credit in the connection with loans pursuant to 15 USC 1602 ( g ). I am the original creditor and I am aware of my rights as such. I understand that reporting to the CRA is voluntary. This is a private transaction and in it by your corporation and by me the consumer and creditor and unfavorable situation has transpired.

Nowhere under the terms of adverse action defined by the Fair Credit Reporting Act ( FCRA ) does it mention that a " natural person '' can be denied credit versus a business. As an original creditor it is not LAWFUL to be denied my right to grant credit. Furthermore, my credit was used and I received NO BENEFIT from the use of my credit and an inquiry was submutted and posted to my consumer report which is a RECEIPT of transaction further supporting that a corporation ( s ) has been compensated and I received no benefit at all. In fact, on the contrary damage was done from the denial of my rights both mentally, psychologically, and financially as a result.

In conclusion, I have been discriminated against as there are NO federal laws which state that a credit score can deny me my right to extend credit. I a natural person in good faith exercised my right and was grossly discriminated against in that pursuant to 15 USC 1691 which states, " IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION : 1. On the basis of race 2. Religion 3. Natural Origin 4. Sex 5. Marital status 6. Age, provided the applicant has the ability to contract 7. All or part of the applicants income derives from any public assistance program 8. Because the applicant has in good faith exercised any right under this chapter
Consumer complaint received 2023-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (VA)

I was able to transfer out {$50000.00} from my AMEX Savings account to my XXXX bank account on XX/XX/XXXX. I received no warnings or alerts about this transfer. Then after threatening to take the rest of my money out of AMEX given poor customer service, I went to follow through on that. On XX/XX/XXXX, I transferred another {$30000.00} to the another account under my name at XXXX XXXX, which had been verified via trial deposits, but this time AMEX held the transfer and completely froze my account. I called AMEX per the website 's instructions on Saturday XX/XX/XXXX given I was unable to transfer any money from my account. The rep told me I wouldn't be able to do anything until Monday given the banking office I needed to talk to was closed. I have no idea why AMEX would restrict funds transfer to a bank registered in my name only AFTER I had threatened to transfer the rest out ( especially after allowing a larger transfer just 2 weeks before without any fraud alerts ) other than being punitive and spiteful.
Consumer complaint received 2019-06-23
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: Experian Information Solutions Inc. (OH)

I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 I have account that I have disputed already from 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-21
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)

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the it item I am asking you to verify as accurate : Account Name - XXXXXXXX XXXX XXXX XXXX Account Number - XXXX
Consumer complaint received 2023-09-19
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. (NJ)

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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXXXXXX 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..