davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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. (FL)

Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts 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 Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have 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.

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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my Experian, XXXX and Experian account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2023-09-01
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. (PA)

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description
Consumer complaint received 2024-03-30
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. (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 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 2023-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc. (SC)

Company Name : Experian Account Number : XXXX Amount : {$0.00} This account is paid and is reported on my reflecting 60 days past due on XXXX, and paid was past due 60 days on Experian 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-01
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. (NY)

I recently reviewed a copy of my credit report and I was shocked to learn that these accounts on my credit report were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, I have the right to verify that the credit reporting agencies have correctly verified my identity to these accounts on my credit report AFTER I have already disputed these accounts with wrong names, addresses, and accounts I NEVER gave consent to obtain and have on my credit. I have asked and submitted online request to all XXXX major credit reporting agencies, they stated that it was verified without any proof or correspondence to notify me properly. I have requested that these names and accounts be removed immediately for knowingly/ unknowingly to continue to report false or innaccurate information on my credit report. 

Below are a list of aliases, accounts, and addresses that I have disputed and have no knowledge of : AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKOWN Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX UNKOWN ACCOUNT : XXXX XXXX XXXX XXXXXXXX {$9300.00} {$0.00} Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XXXX I sent Experian a dispute letter regariding accounts reporting on my consumer file that I never recalled providing Experian any permission or written instructions to furnish a copy of consumer report as stated under 15 U.S. Code 1681 ( a ) ( 2 ). In addition it has been over 30 days I haven't received a response from Experian regarding my dispute as under 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) which in the court of law is the same as consent that the accounts in dispute were not legally provided the permission or written instructions from the consumer to whom it relates as per the Fair Credit Report. The accounts XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were the accounts included in my dispute and they should be deleted from my report in accordance to the Fair Credit Reporting Act.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

XX/XX/XXXXXXXX XXXX  I initiated a balance transfer for {$1700.00} through my Citi AA credit card. I asked to move the balance from my XXXX freedom flex card to my Citi AA card. 

After waiting 3 weeks I noticed we still had a balance of {$1700.00} on my XXXX credit card. But had an active balance of the same amount in my Citi AA account. 

I called XXXX and asked them why the fund had not been removed. They advised they never received the funds. 

After several phone calls with both XXXX and Citi management, Citi advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to XXXX. Citi provided me with a trace ID to give to XXXX XXXX I then returned a phone call to XXXX and they told me they 1. Can not track credit card transfers with a trace ID and 2. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted Citi and asked that since they recalled the funds they credit my account and cancel the balance transfer. 

I received a temporary credit to my Citi credit card during the investigation process but was returned that credit on XX/XX/XXXX. 

I sat on the phone for 2 hours with Citi bank XX/XX/XXXX and was told the funds were sent to XXXX and until they can recall those funds I will owe them a balance. 

I have tried everything I can think of to get this issue resolved but to no avail. Both XXXX and Citi management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I do not have a contract with Credit control corporation please have this company confirm that I indeed have a contract bearing my signature.CREDIT CONTROL CORPORATION-Account # XXXX this account and in accordance to the Fair Credit Reporting Act Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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 written instructions.
Consumer complaint received 2024-05-06
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: 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. 

Convergent Account : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

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 XXXX 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 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX  XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I never had a contract with this debt collector for any debt. Please provide proof from original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
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. (NY)

I trust this message finds you well. I am writing to express serious concerns regarding the handling of my private information by Transunion, XXXX, and XXXX, in violation to the Fair Credit Reporting Act ( FCRA ). 

Under 15 USC 1681, it is mandated that consumer reporting agencies exercise their responsibilities with fairness and respect for consumers ' privacy. However, neither the financial institution ( as furnisher information ) nor the reporting agencies have obtained my written consent to furnish this information.

Moreover, I was not informed of my right to exercise the nondisclosure option as required by 15 USC 6802 ( b ) ( c ). The reported adverse item on my account is a direct violation of 15 USC 1681C ( a ) ( 5 ).

Transunion, XXXX, and XXXX  are also failing to adhere to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) by furnishing inaccurate information and not maintaining reasonable procedures, as outlined in 15 U.S. Code 1681e.

Per 12 CFR 1016.7, I am formally opting out of your reporting services.

I request prompt resolution of these issues to comply with the FCRA. Failure to address these concerns may lead to legal action.

Thank you for your swift attention.
Consumer complaint received 2023-12-25
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. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-01
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: EQUIFAX, INC. (MN)

I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : XXXXXXXX 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 EQUIFAX 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
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (MD)

To whom it may concern, I am writing to file a complaint against XXXX XXXX and Bay Area CS for violations of US Code 42 U.S. Code 1320d6 and US Code 1681b. Specifically, I am requesting that my information be deleted from my consumer report immediately in accordance with these laws. 

I have reason to believe that my personal information has been improperly accessed and shared without my consent, leading to inaccuracies on my consumer report. This not only violates my privacy rights but also puts me at risk for identity theft and other financial harm. 

I demand that XXXX XXXX and Bay Area CS take immediate action to remove my information from my consumer report and ensure that it is not shared with any third parties. Failure to do so will result in legal action being taken against both organizations. 

I urge you to investigate this matter promptly and take appropriate measures to protect my rights as a consumer. Thank you for your attention to this matter.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I opened a Citi XXXX XXXX account to take advantage of an offer allowing for an eighteen-month balance transfer with XXXX interest. My monthly payments were consistently due around the XXXX of each month, and were made on time. However, my son suffered a XXXX XXXX XXXX in XXXX, and with numerous medical appointments and XXXX visits, I unintentionally missed the payment due on XX/XX/XXXX. I promptly paid the bill, including all the late fees, on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from Citi notifying me of a substantial decrease in my credit limit, from {$8000.00} to {$2400.00}, citing " balances on revolving credit and low payments on one or more of your accounts with us '' as the reasons for the decrease. Interestingly enough, just a month prior, one of my other credit cards significantly increased my credit limit. 

I believe Citi 's decision to reduce my credit limit by more than {$5600.00} may have XXXX motivations, but it appears they are using the credit bureau as a cover. This explanation would be more acceptable if my credit score wasn't in the high XXXX hundreds and if I didn't have an impeccable payment history. I genuinely believe it's worth investigating whether Citi may be unfairly targeting a specific group of credit card holders. 

I made multiple attempts to contact the company to resolve this issue, but unfortunately, I haven't had any success.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc. (TX)

Happily a gird customer for many years, in XX/XX/XXXX I received an advance that they failed to collect on, successfully charged me for it in XXXX but continued charging subscription fees from XXXX XXXX XXXX. Upon successful repayment in XXXX I was cleared for a new advance, applied and processed XX/XX/XXXX, never received it so I reached out, was informed that I was now disqualified from using premium features I was already paying subscription fees. When asked for a refund the rep said he can help me deactivate my account which I accepted, he said I wont be charged any more fees. Today XX/XX/XXXXXXXX  I was charged a subscription fee again from Grid and was given a repayment day of today for an advance I never received.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}