davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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: EOS Holdings, Inc. (NY)

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} EOS CAA : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Consumer complaint received 2018-04-04
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. (FL)

I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (DE)

I have tried month after to month to pull my consumer file ONLINE with Equifax and I have not been able to do so. I have the correct information when inputting it into their system. I have called on NUMEROUS occasions and spoke with representatives who have stated they do not know why I can not get online and send me to technical support and they too can not help me. 

EQUIFAX NEEDS TO GET THIS CORRECT!!! 


This is the error message I continue to receive : " Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OH)

This is in continuation of previous complaint number XXXX. In the letter from the bank in response to my complaint the bank said they would be willing to reopen my account or start a new one if I called the XXXX and I have tried to do that and they still refuse to reopen my account or start a new one I would like my complaint reopened and addressed appropriately.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (SC)

This is not a duplicate complaint and I requesting for the company, Grain app to respond. The Grain app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the Grain app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX
Consumer complaint received 2024-04-06
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$33.00} XXXX XXXX **** Balance Owed : {$90.00}
Consumer complaint received 2023-10-12
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. (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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
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. (IL)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2023-10-12
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. (IL)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2023-11-03
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed XXXX investment account that was issued back in XX/XX/2022 and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're going to work on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last year I've been on this matter with XXXX. Around XXXX this year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since then I have not yet received any valid update regarding my funds from XXXX XXXX or XXXX XXXX XXXX and even 53rd bank.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (DC)

XXXX XXXX  promised me a guaranteed approval for the Indigo platinum master card issued by XXXX XXXX  for XXXX dollars. I was promised and the pre-approval of the bank also restated the same. I applied and later was given a XXXX dollar limit and a XXXX fee. I called Indigo and was promised that because of the misinformation, the hard pull would be removed and the account will be closed if they cant change the limit to XXXX. Instead the card was closed and the hard pull remained. When I call they tell me they cant find the application at All.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: B9, Inc. (SC)

On XX/XX/2023, I attempted to transfer my paycheck from my B9 underwritten by XXXX Bank XXXX XXXX account to my XXXX  XXXX  account. The initial attempt was {$570.00}, and XXXX XXXX declined the request. I attempted other amounts & they were declined as well. The money was taken my account & is in pending status. I contacted B9 & I was told it was a known issue & they were working through the issue with XXXX XXXX. At this point I had another failed transaction, but the funds were removed from my account for {$43.00}. On XX/XX/XXXX, I was told by B9 that the issue with XXXX XXXX with resolved but they could not release my funds bc it showed processing & I was denied a supervisor. I have bills & I need my money to be released & this company is holding my money & I think it is for investing purposes while I struggle financially. I am experiencing emotional distress.
Consumer complaint received 2023-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-12
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. (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 Number : # XXXX XXXX Account Name : XXXX  Account Account Number : # XXXX - {$0.00} Account Name : XXXX  Account Number : # XXXX - XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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)

These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I have been trying to reach their customer service representatives to discuss the status of my XXXX XXXX plan application. I applied over a month ago with no response on the status. I have called XXXX now and was on hold for more than XXXX hours each time with no answer.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that the bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify that the information reporting on my file is 100 % accurate. I investigated the issue further and found that Experian receives their bankruptcy information from a third party company called XXXX XXXX. Ive contacted this company and was told all false reporting of the bankruptcy has been removed from my file. However, Experian refuse to update my record. If this is not the case and bankruptcy information is not verified or validated through XXXX XXXX I asked the company to provide me with rightful information on their investigation method. I have not been able to get resolution to either. Instead, I was told that they can not verify my identity. I believe this to be an attempt to prolong inaccurate and damaging false reporting. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (NV)

I have called numerous times in which it is hard to get a hold of the company taking over an hour to reach someone. I had filed a dispute on XX/XX/XXXX with the company for a criminal background check including negative information over XXXX XXXX XXXX. They did not send anything via mail or email, regarding the opened the dispute. They also never informed me the dispute was finished within 5 days. I had called back XX/XX/XXXX to make sure there was a dispute filed and they said there was one and completed. Nothing was changed and I specified the right to not have anything negative reported over 7 years under the FCRA and they are to uphold that. They told me the employer asked for lifetime criminal background which is against my consumer rights. I opened another dispute with the background check onXX/XX/2023. I did not receive any email or letter saying a dispute was in progress at that time either. I called again XX/XX/ to see about the new dispute and again they said it was completed. Nothing was changed again. I advised them violating my consumer rights with the FCRA and the company just keeps hanging the phone up on me with no resolution. On the background check they have a search period of 7 years but still included arrests and convictions past that date. They also included the summary of rights and violated those rights.