davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

XX/XX/XXXX {$110.00} to XXXX XX/XX/XXXX {$120.00} to XXXX XXXX refuses to give me my money back for these transaction that were fraudelant
Consumer complaint received 2022-12-19
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-22
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. (CA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-20
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. (PA)

I applied for credit ( see attached ) and was denied. Wondering why and fearing the worst which no longer takes me by surprise or anyone for equal measure, I ordered a credit report and realized that XXXX and XXXX had information not only incomplete but inaccurate and reckless on my report, you ( EQUIFAX ) not only furnished creditors with inaccurate payment history but reporting addresses that seem completely made up and inaccurate but names I do not recognize or authorized anyone with a signature nor consent to use in place of what my name is I and attorneys ( standing by, see attached ) consider fraudulent on your part. Please be advised that under section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Also, 15 US CODE 1681e ( b ) whenever a consumer reporting agency prepares a report, it should follow reasonable procedures to assure maximum accuracy of the individual about whom the report relates. I have suffered enough, my children, one of which is impaired have gone through housing, food, travel and humiliation at the hands of agencies that have taken and made a business out of peoples lives, where the most money is made from situations like mine. I AM BEING AS TRANSPARENT AS POSIBLE BY SHOWING ALL MY CARDS ( see attached ) I am doing this in anticipation of years of back door behavior played by credit reporting agencies. ENOUGH! We are not looking for luxury or unnecessary comfort but it would be nice to get funding as I know I deserve, to simply make a XXXX XXXX I bought with all my savings ( {$5000.00} ) and make it into a XXXX. I registered the XXXX  business, confident, I applied for a XXXX card to finally move my store to a brick and mortar instead of from home and only got approved for a {$1000.00} ( XXXX XXXX ). Almost did not even get that because they could not verify me, also had to beg for reconsideration. I had too many addresses and names that contributed to their criteria with respect to lending to someone without some stability. NOW I HAVE A XXXX XXXX I BOUGHT WITH ALL MY SAVINGS, A REGISTERED BUSINESS, MATERIALS I CAN NOT GET FUNDING FOR, NO MONEY, AND A SIMPLE DREAM FOR MY SELF AND KIDS FUTURE TURNED TO NOTHING. THANKS FOR INACCURATE REPORTING, UNVERIFIABLE REPORTING AND DESTROYING LIVES WITH A CLICK OF A BUTTON. SEE ATTACHED AS I OFFER YOU AN OPPORTUNITY TO RE-INVESTIGATE BEFORE LITIGATION. I AM GOING TO ASSUME THAT THIS WAS HUMAN ERROR WITHOUT MALICIOUS INTENT AND THAT YOU WILL TAKE PHYSICALLY LOOK at my situation and not using E-OSCAR RETURN MY LIFE BACK. I want contact information, process used in writing. If this matter is not resolved immediately, consider this our last communication until litigation ( see attached )
Consumer complaint received 2023-08-30
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. (FL)

Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's determinative that privilege to report was executed adequately and in a settled and firmly established certifiable compliant manner, even to the mandates in accordance with the XXXX required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Consumer complaint received 2023-09-22
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)

On XX/XX/XXXX I noticed a collections record on my Experian credit report and immediately took action to notify Experian of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Experian credit report : Report # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : XXXX, Account type : Collection, Responsibility : Individual, Date opened : XX/XX/XXXX, Status : Collection account. {$520.00} past due as of XX/XX/XXXX, Status updated : XX/XX/XXXX, Balance : {$520.00}, Balance updated : XX/XX/XXXX, Recent payment : -, Monthly payment : -, Original balance : {$520.00}, Highest balance : -, Terms : 1 Months, On record until : XX/XX/XXXX. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.
Consumer complaint received 2023-10-30
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)

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 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-04-30
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. (KS)

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 2024-04-29
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. (TN)

I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - 15 U.S.C. 1681c ( a ) ( 1 ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. 1022.43 ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - 15 U.S.C.1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - 15 U.S.C. 1681 ( a ) ( XXXX yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. 1022.42 ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. 1022.41 ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been disputing this item know as XXXX  XXXX with a balance of {$210.00} over a year now and it's still coming back as accurate I know this is not true remove this from my credit report it's affecting my score I can't take out a mortgage to buy a new home because of this tradeline.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

When I paid my Chase credit card today, I noticed some design changes on their website. The unannounced changes to the page design are such that you might think that no payment is imminent, and in addition, the information about the due date is missing. My payment was due on XX/XX/year>, but the information on the account page on XX/XX/year> was " You don't have a payment due right now. Your next billing period ends on XX/XX/year> ''. 
There is also another " missing '' information on the payment page. Until recently, there were XXXX options to choose from when making a payment : Minimum Payment Due, Last Statement Balance, Current Balance, and Other. The " XXXX XXXX XXXX '' is now gone, and it adds another layer of uncertainty when making the payment. 
Considering that Chase 's " upcoming payment '' text/email alert is basically non-working, I suspect that the bank is trying to do everything possible to make money on late fees.
Consumer complaint received 2023-10-30
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.