davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-04-27
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have already sent a debt validation request to the collection agency as per my rights under the fair debt collection practices ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that this debt is indeed mine. 

I request that you investigate this matter promptly and remove or correct the disputed information from my credit report if the creditor can not verify or validate the debt. The FCRA requires you to complete the invistagation within 30 days of receipt of the letter ( 15 U.S.C 1681i ) Account : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a problem.
Consumer complaint received 2024-07-25
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Briteside Solutions LLC (CA)

I was looking for a debt settlement service called Briteside Solutions. I talked to a representative and she explained me about the services and I agreed to a further call with a personal advisor and agreed to the fee. 

The fee was supposed to be paid on XXXX of XX/XX/year> and I postponed it to XXXX of XX/XX/year> after a scheduled call with the personal advisor on XX/XX/XXXX. But the advisor missed the appoitment on XXXX and rescheduled it to XXXX. 

My money of XXXX $ got debited on XXXX and I immediately called and asked for a refund as I didn't receive any service yet. 

I also researched a lot about this service online and many people faced this scam. 

Please try to get back my money.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
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 have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$6400.00} XXXX - XXXX {$790.00} XXXX  - XXXX {$12000.00} XXXX - XXXX {$510.00} XXXX - XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MI)

There is a collection on my credit report. My bank is telling me that it's from Paypal. I have gone through my paypal, but this was not a purchase that I made. The name on it is also a name I've never heard. The collection is affecting my credit and I don't believe it's mine.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX was opened in XX/XX/2022 and cancelled due to bounced deposit check. The check that was written for the deposit of the timeshare never cleared therefore, XXXX canceled the contract. Also, the account is reported with incorrect open date, which is re-aging the collection. Equifax is the only credit bureau reporting this account. This account is closed and not a collection.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I have discovered that a car loan was fraudulently obtained in my name without my knowledge or consent, additionally, I have identified several unauthorized hard inquiries on my credit report, the account is XXXX  with account number XXXX, and the hard inquiries are XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (IL)

I am filing this complaint against XXXX, Equifax, and XXXX regarding their failure to properly address the inaccuracies in my credit report despite my formal disputes. I initially sent dispute letters to each bureau on XX/XX/year>, outlining the inaccurate information being reported. As of today, more than 30 days have passed, and no sufficient verification has been provided. The inaccurate items remain on my credit report, which continues to harm my financial standing and well-being. 

Disputed Accounts : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) ** In addition : Equifax is also reporting an unknown account ( Account Number : XXXX ), which does not belong to me and must be removed from my credit report. 
Despite my attempts to resolve these issues, I have not received the requested evidence verifying the accuracy of these accounts. As required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, the credit reporting agencies must ensure maximum accuracy and reinvestigate disputed information in a timely manner.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, VA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, VA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Hello there, I would like to dispute the following transactions from the merchant : XXXX. I have made several purchases from them back in XX/XX/2023, however only 1 of them have arrived at the intended destination. I was notified by USPS that the remaining packages had a invalid address and thus were undeliverable and the current whereabouts are unknown. I have tried contacting the merchant and they are refusing to give me a refund. 
Here are the following qwertyqop purchases that I would like to dispute : 1. Order # XXXX Item ( XXXX ) : - XXXX XXXX XXXX- PC Top  - XXXX XXXX XXXX- Wrist Rest ( Beige ) - XXXX XXXX XXXX- Hotswap ( XXXX ) XXXX  Purchase Amount : {$190.00} USD 2. Order # XXXX Item ( s ) : XXXX XXXX XXXX- Hotswap ( XXXX ) XXXX  ( ordered 2 of them ) Purchase Amount : {$120.00} USD 3. Order # XXXX Item ( s ) : - XXXX XXXX XXXX- XXXX Top - XXXX XXXX XXXX- Carbon Fiber Top Purchase Amount : {$73.00} USD I contacted my Chase bank to file a dispute with my credit card bank, however they denied my dispute.
Consumer complaint received 2024-05-05
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)

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 name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX XXXX , Account name : XXXX XXXX, Account name : XXXX/EQUIFA, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account XXXX : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account XXXX : XXXX XXXX  XXXX, Account XXXX : XXXX XXXX  XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of convictions of crime that antedate 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 2022-12-03
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: Experian Information Solutions Inc. (DC)

I was a victim of Identity theft and I want this account to be removed. I have tried to work with the company and the credit bureaus to remove this but XXXX refuse to conduct a proper investigation.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (FL)

XX/XX/XXXX XXXX  XXXX filed on my behalf. Penfed sold a debt to another collection agency of {$9600.00} on XX/XX/XXXX Account ending XXXX and penfed Federal credit union, still trying to collect the debt after they sold the debt this is all public record. on XX/XX/XXXX XXXX XXXX Discharged I get letters in mail, Email, phone calls, from Penfed! Penfed sold my debt and reclaimed it during bankruptcy. I have all document to prove in court when I file. Penfed reports on XXXX XXXX XXXX discharge and penfed go back and reports charge off bad debt/collections. Penfed reports multiple times to manipulate credit bureau. They also send collections to collect debt while manipulating false practice in reporting to credit bureau. I have been threatened to be sued for bad debt and my home have lien put on it if I do not pay. BANKRUPTCY CODE SECTION 362 AUTOMATIC STAY have been a VIOLATION OF AUTOMATIC STAY UNDER ITS POWER OF CONTEMPT. PENFED VIOLATED THE COURTS ORDER. I WILL FILE FOR DAMAGES SOON. PENFED WILL LIE ABOUT CALLING SO THEY CAN IGNORE THIS I DO NOT WANT THEM CALLING ME IM TIRED OF HURASSMENT. This month Penfed again each month reports multiple times to XXXX in one month at same time. First penfed will acknowledge its XXXX  XXXX discharge and penfed will report after that BAD DEBT and penfed will go in and state collection. Penfed is manipulating credit bureaus. Penfed hit my report 4 times back-to-back on same bureau same day.
Consumer complaint received 2024-07-16
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. (DE)

Recently I checked my credit reported and noticed multiple billing errors under 15.US code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor
Consumer complaint received 2024-05-03
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
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. (PA)

On XX/XX/2024 I sent all three credit bureaus XXXX, Equifax, and XXXX letters requesting verification to five accounts for late payments showing on my credit report and asked them to have my address updated. I have yet to receive anything from the bureaus, verifying these late payments or showing that my address has been updated to reflect accordingly. It has been well over 30 days and I have not yet received any notification. I have attached the letters and details.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX