davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (NM)

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 2023-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was putting applications through to find apartments and I was getting denied and spent a lot within rental fees, when it became difficult with these companies. I asked the credit bureau to freeze my account my credit and to update my correct information. Nothing was ever fixed.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom it XXXX concern.. 

XXXX XXXX XXXX XXXXXXXX Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXXXXXX XXXX XXXXXXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXXXXXX XXXX  XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option. 


15 U.S.C 1681s-2 ( A ) 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. 

Show me written evidence that XXXX XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Consumer complaint received 2024-09-04
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (AZ)

XXXX. Lost my information in a data breach and were very uncooperative, denying that they had a data breach after sending them the experian files that notified me. 
-This led to identity theft, causing all of my accounts to be taken over, maxed, closed down, credit history destroyed, my house being listed currently, marriage over, don't have a car any more and cant get financing, all because of gemini and XXXX  XXXX. 

XXXX. Blamed it on me. After depositing {$250.00}, plus XXXX ethereum which never showed up, my account was frozen and has not been unfrozen ever since. They have dodged the issue, and have attempted to tell me that a payment was reversed. They don't accept payments, I would never send a payment to them for anything, and my chase account shows the exact amount that I am saying they stole as being sent to them. 

XXXX. Block me from being able to access it by giving horrible customer service, and making me repeat a XXXX week cycle of verifying myself with pictures, telling them why i'm contacting them, being condescending towards me, until I report them to you, the police, the FBI, SEC, my consumer attorneys in this case, and I think just hope I'll go away. Once i've answered all of their verification questions, someone else takes the email chain with the pictures and all of the things they've asked for XXXX weeks in order to unfreeze my account, where supposedly my XXXX and {$250.00} USD are stored, and acts like it is the first time I've emailed in and says that they are sorry but they can't talk to me unless I verify myself. Constant loop of that which has gone on since 2021. 

XXXX. They've not paid what they owe from their class action settlement. They've gone as far as denying ever being involved with a class action lawsuit, as well as an SEC lawsuit for being an unlicensed securities vendor. They call themselves a " licensed trust company '' like I care at all about their justifications. 

Theft, fraud, racketeering, deception, lible, slander, defamation, identity theft, perjury.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

I went into Regions Bank in XXXX, AL to cash a government check on XX/XX/year>24. They said it couldnt be cashed but could be deposited. The cashier told me there was no hold. That money could be accessed the next day. I told her I needed to pay a vendor by Thursday. On XX/XX/year>24 a letter was received saying there was a hold because they received confidential information that indicates the check may not be paid. On the contrary we have cashed a government check there before. Too I know for a fact that other people with the same check have been able to go in open up accounts and cash the same check with minimal hold.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
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)

Please update by deleting all that has been uploaded to be accurate and true. I am trying to get my life and start business and I need you to please be compliant with all rules and regulations and be humane and considerate that this has effected my life greatly Im nearly XXXX XXXX XXXX  and have suffered hardships many years in my life due. To this and identity being taken
Consumer complaint received 2024-05-06
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. (NY)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
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)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

I was scammed by a user pretending to be from the company Chime XXXX Banking. I received a Chime bank text message stating that someone had charged my card in XXXX  and ask was it me, and I responded XXXX. They responded that they put a freeze on my account and give me a call. He called as if he was a Chime agent, everything sounded legit. I didnt give him my SSN or anything, but he knew stuff that where in my account that I spent to verify that I had those charges, because someone had made a charge that I didnt make. Next thing I know my account is depleted. I didnt authorize no transaction which was {$2000.00} taken from my account sent to a phone number. I called Chime, and explained to them what happened and filed a dispute with them. This happened yesterday at Sunday XX/XX/year> around XXXX. I sent the text messages to Chime with the stamped time on it to see the interactions that was happening. Chime denied my dispute and wont give me my money back. I called them Monday XX/XX/year> when I saw their decision, and was furious. They said if I had any new documentation that I can file a new complaint.
Consumer complaint received 2024-08-12
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. (AL)

Hey, my name is " XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit. These accounts I don't recognize nor authorized, and they are being reported by a third-party company.
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been unsuccessful in my attempts to be provided validation in connection with accounts listed on my credit report : XXXX. XXXX XXXX XXXX  {$2600.00} XXXX. XXXX XXXX XXXX XXXX {$570.00}. 

There are duplicate entries on TransUnion report XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. 

There are duplicate entries on XXXX XXXX. XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX for XXXX sent correspondence in response to the validation request reporting a court-awarded judgment.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, I've gone through my credit report recently and noticed there are a lot of fraudulent inquiries on it... I've reached out to all the credit unions to get them removed but they won't help. 

So I've reached out to all the companies and they've never called back, I'm really trying to fix my credit and these are really tanking it. Please see below for the final list : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Here is the only one that isn't fraudulent : XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-24
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. (NC)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-04
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. (NY)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC (UT)

This claim for for my XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXXr have all come and reported to me on multiple occasions about these spam calls they keep getting from me. What we are confused about the most is that due to my XXXX profession no one should have his contact information anyway. Also each voicemail left by the spam caller says theyve been trying for months to reach me but I have not gotten any calls, texts, or emails from any of the companies that are supposedly calling my XXXX. My XXXX has just been blocking every number that calls them but they continue to make new ones and bug them. Ive never even heard of the companies that have been used during the calls.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

I was paying $ XXXX for my student loan. Then the government put it on pause. When the pause was lifted, they raised my monthly payment to $ XXXXmonth. I have tried calling several times and am on hold for hours. I finally did reach someone who transferred my call to her manager but I was then again on hold for hours. Please advise what I can do.
Consumer complaint received 2023-12-11
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. (NV)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-12-11
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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