davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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. (MA)

Previous complaint XXXX Equifax Other credit bureaus removed Equifax claims the report is correct I called XXXX XXXX XXXX XXXX to XXXX at XXXX at XXXX. 
He acknowledged account was resolved and should be removed. He said he would advise them. Which other two bureaus promptly removed item. 

Oddly this is his report reads, see attached : DATE OF FIRST DELINQUENCY XX/XX/XXXX DATE OF LAST PAYMENT XX/XX/XXXX *This is the date when I made the agreed payment within the time agreed which resolved the account. 
DATE MAJOR DELINQUENCY FIRST REPORTED : XX/XX/XXXX How is that even possible? Date major delinquency first reported SIX years AFTER Date of first delinquency?!!! And FOUR years after the account was resolved?!!! 

Credit bureaus should not be reporting items incorrectly a full SIX YEARS LATER, and FOUR YEARS AFTER ACCOUNT RESOLVED to hurt the current credit of clients. That should be illegal. Are they harassing clients? I have worked hard to correct my credit after my home was flooded and I had to come out of that major disaster. And now, 6 years later Equifax is actively trying to harm me. 

XXXX XXXX did not report that in XXXX, clearly. I did not report it in XXXX. XXXX XXXX has agreed it should be removed. Obviously, Equifax either made and error they will not remove, or someone at Equifax has wrongly entered information on my account. 
Equifax needs to be held responsible and not harm me with their internal error/mistakes. 

Just looking at the dates, anyone can see something is wrong here. 
And they clearly provided misinformation as to telling me they contacted creditor XXXX XXXX and it is correct. Because XXXX XXXX says it is not. So I have my doubts they did research it. 

The fact that other agencies deleted this further supports what I say here.
Consumer complaint received 2023-10-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX From XXXXXXXX XXXX XXXX  and the Account # XXXX From XXXXXXXX XXXX XXXX XXXX XXXX, have 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
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resource Management Group (GA)

RMG-Resource Management Group XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XX/XX/XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XX/XX/XXXX-XX/XX/XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have XXXX to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.
Consumer complaint received 2023-07-08
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. (GA)

Account number : XXXX ( XXXX  ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, XXXX  No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response.

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 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-15
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. (FL)

I sent my letters off on XXXX XXXX XXXX I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Credit report contain multiple inaccurate account information which has been disputed multiple times however is still appearing on report after I ha e made nu.erous attempts to.have it verified and corrected, the credit bureaus are accepting a final bill as a verification of claimed debt and not confirming it is even legitimate.
Consumer complaint received 2023-05-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (WA)

Sometime between XXXX the cash store processed a payment for a payday loan that my bank paid. This payment made our account overdraft. The bank than closed the account. I have been contacted several times about this and have told them the same thing every time. My bank confirmed it was paid and the cash store location has no record. Now I am being told by letter that I am being taken to court for NSF Fraud.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

XXXX XXXX, went to purchase material from XXXX XXXX and presented my Chase Debit Card XXXX and payment was rejected. To this day no one has explained any reason for this. In my account on that day was an existing balance of {$8000.00} and a customer paid me for my general contracting services from their Chase account via a wire. This is a very long time customer who has paid me many times via wire for my bills from the same CHASE account into my CHASE account. When I have gone to the bank, they refuse to explain anything, give me a corporate number to call and they explain nothing at first and on XX/XX/XXXX when I returned to see about my money, I was told they were closing my account and mailing me a check with a letter explaining why this had happened. Today, I went back to tell them no check received in eleven days and spoke to a manager. I was told after they made a call, no check was sent so I am sitting with no funds still. Chase knows the customer I received the funds from for a long time, I have received payment multiple times to this Chase account from the same account so what is the problem. Why will no one explain what is going on? Why do I have no access to any funds if this wire is the source of their concern? I have employees to pay and am going to lose them due to this bank freezing all my money. Can you help me asap please. I am wondering if they are doing this due to the fact I am XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

Hello, I received a giftcard ( visa ) for {$100.00} from XXXX as a gift and the security code is missing and most of the card numbers are missing. Therefore, I cant use it.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MO)

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

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

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I was denied opening an account with 2 Banks after settling with XXXX. XXXX. XXXX agreed to remove the collection on my bank history once the balance was paid. I spoke to XXXX XXXX at XXXXXXXX XXXX the parent bank of XXXX on several occasions. She was aware of my denial and ageed to remove the collection once that collection was paid. I was very clear about removing the collection because XXXX XXXX XXXX XXXX told me my application was denied due to the collectiom. I recently went to XXXX XXXX  in XXXX XXXX and was denied being added to my wifes account. This is not the agreement we made and there is no reason for not removing the collection. Especially disappointing since I'm an account holder with XXXX XXXX XXXX XXXX  another XXXX XXXX Pls demand this collection be removed.
Consumer complaint received 2023-10-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (MO)

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

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

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-24
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. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-03-14
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. (MA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER XXXX  MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I processed a payment through XXXX, transferring {$450.00} from my account to another for purchase of event tickets on XXXX. The transaction was not processed, I received an alert that stated " Your payment requires additional review '' and immediately called my bank. I asked if it was possible to cancel the transaction as I was starting to get a bad feeling about the seller. The representative told me that the transaction was not processed and had actually been cancelled as it required approval from me. 

The following day, the money was gone. I called the bank and inquired and they told me I was out of luck. That they do not investigate and that the money would have to be recovered by XXXX, but XXXX told me to talk to my bank.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Deinde Online Services, LLC (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' INTEGRA CREDIT is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' INTEGRA CREDIT the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, INTEGRA CREDIT whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

I attempted to purchase a product from XXXX. i paid someone via PayPal and they told me they were unable to receive the funds so i opened a case w PayPal to fix it and the funds stayed with the initial recipient. i then navely sent a total of {$300.00} to different addresses given to me from a person on the website to cover what they called security and stamp deposits that would be refunded me upon delivery. the package was supposed to be delivered several days ago and still hasnt been delivered. i realize now {$400.00} later that i was scammed and would like my money back or at least for this to not happen to anyone else.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Hard inquiries that i don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX