davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a credit card with Capital one. I had a problem paying my bill due to our business almost closing and my account due to our accounts being hacked. I have had to switch my bank so I can make proper payments which I made minimum payments on XX/XX/XXXX. My credit card has this restriction. I am submitting this claim because I have been a loyal capital one customer since XXXX. I need this restriction lifted so I can have access to my credit when I make payments and not to have my credit destroyed.With this say. My account as obviously hacked. I filed a police report and need assistance. This is going to damage my credit
Consumer complaint received 2024-04-19
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. (WI)

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities.

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I write to dispute the debt listed in the attachment received by me on XX/XX/2023. I need copies of the last 12 month statements plus the entire credit card agreement with any arbitration provisions included in said agreement. You must consider the purported debt as permanently disputed in its entirety which requires credit reporting as disputed under the FCRA and FDCPA unless and until I withdraw my disputes which I will not due.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-08-29
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. (IL)

i have not supplied proof under the doctrine of estoppel by silence, Engelhardt. Gravens ( mo ) 281 sw 715,719. presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have not supplied proof under the doctrine of estoppel by silence, Engelhardt. Gravens ( mo ) 281 sw 715,719. presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (FL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX  XXXX Balance {$300.00}
Consumer complaint received 2023-09-21
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. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-19
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The debt Collector has not provided me proper debt validation for this alleged debt. I requested verfication/validation of the alleged debt and requested a copy of the contract of agreement on XXXX all they did was updated the date to current. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
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. (CT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-19
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE ALLY FINCL Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-08-29
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. (MI)

XX/XX/2023 I have reached out to have negative remarks removed from my credit report. There is a remark on my credit reports showing from XXXX, XXXX XXXX, and XXXX. I need these negative remarks moved showing XXXX  XXXX XXXX that is noted on these accounts. There isn't a bankruptcy reported on my credit report. I called in to the credit bureau today XX/XX/2023 letting them know that it needs to be removed and I was informed that the courts do not report to the credit bureau nor should the bankruptcy be listed on my credit report.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

My loan servicer was transferred from XXXX XXXX  to Chase in XXXX and I was notified at the end of XXXX. Before XX/XX/XXXX, I attempted to setup my chase.com account and failed. I called Chase and was notified that I would be unable to setup an account until XX/XX/XXXX. I was directed to XXXX for additional information. I noted in the FAQs section, under Payments, that I should start making payments to Chase on XX/XX/XXXX. 

On XX/XX/XXXX, I setup my account. Only XXXX of my XXXX mortgages appeared in my account, so I contacted support and after a transfer, my other mortgage was visible. 

On XX/XX/XXXX, I got my account statements for XXXX that indicated that on XX/XX/XXXX, I would be paying XXXX and XXXX payments. I called Chase, but they were closed for the XXXX holiday. 

On XX/XX/XXXX, I called Chase again. XXXX and I got disconnected when I was put on hold while they spoke with someone else at the office. I called back and spoke with XXXX, she was unable to help me and transferred me to XXXX ( othy ). XXXX confirmed that the website said XX/XX/XXXX and said he was creating a ticket to have it fixed. He opened XXXX # XXXX and said he would call me back On XX/XX/XXXX, XXXX ( XXXX ) called back and told me that the website was informational only. He then told me he was unable to do anything.
Consumer complaint received 2023-08-29
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)

Please see the attached XXXX release form for the account reporting on my credit report with the name and account number XXXX XXXX XXXX XXXX. Remove this account from my credit report due to erroneous reporting from Equifax data breach. The Equifax breach claim was submitted months ago, but I will attach it along with the release form for your reference. Remove this account from my credit report with 7 business days.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

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 2024-04-19
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)

I am writing to challenge the presence of a fraudulent item currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this item remains on my credit report. After contacting the creditor linked to this item, they acknowledged its fraudulent nature. Consequently, the item has been removed from XXXX and XXXX. I have also provided the company with all necessary documentation to substantiate my claim. 

Bankruptcy XXXX  XXXX Discharged Reference : XXXX Date Filed XX/XX/year> Court US BKPT CT XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (OH)

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already recorded to " XXXX XXXX XXXX ''. I have enclosed a copy of my government ID, social security card and affidavit of identity for verification.
Consumer complaint received 2023-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I called multiple times in XXXX of XXXX and XXXX of XXXX to request student loan payment refund for payments made during the XXXX pandemic. They did not submit the request to the treasury department until the 3rd time I called during this time period and they did not submit the request for payments made from my previous servicer until XXXX of XXXX. I had not submitted any student loan payments to Mohela and it is now XXXX of XXXX and I still have not received any refunds for the payments I made during the XXXX  pandemic and Mohela has consistently given incorrect timelines for when I was to receive payments and lied multiple times about when they had submitted the request to the federal government. This had resulted in loss of income that I could have potentially made on the refund payments while the payment pause is in effect.
Consumer complaint received 2023-09-21
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. (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 Account NumberXXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : SXXXX XXXX  Account NumberXXXX 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 2018-12-20
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. (MI)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Consumer complaint received 2018-12-20
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. (NY)

Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
. 
XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX   Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX & XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX   XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX  Inquiry Date..XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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.