davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX  Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX DOB XXXX SS XXXX I am looking into buying a new property.. I need the credit freeze removed from my credit file ASAP. I have attached my updated information and my current address Please lift my freeze for 30 days.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I tried to remove my freeze on my credit report from Equifax. 
For that I have to go to create an account and answer a bunch of questions, and at some moment I was told that it could not verify me and I will receive a pin in a mail in 3-5 days. 
The mail come in more than 7 days, with the instruction to go and complete the enrollment, what I did successfully ( received a confirmation email ). But still could not login into my account, because of " We are temporarily unable to complete this request. '' error after I input my credentials. The error is not descriptive to tell me what is wrong. 
I have XXXX this error and looks like people are complaining about it for years. 

I'm very frustrated by this company, that is using my personal information without any approval from me, and at the same time is making difficult to access it. 
I did the same in the same day for two other companies : XXXX and XXXX without any issues. Only Equifax doesn't allow access my account and freeze/unfreeze when I want. 

Thanks you
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from EDFINANCIAL to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to EDFINANCIAL, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report This inquiry was not authorized please remove this from my credit report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I had a job interview through XXXX XXXX. I got the job and the guy said he would send me a check and to print and deposit the check. Did that and to get my equipment send {$1500.00} through XXXX and {$990.00} through XXXX. I kept asking if this was a scam he said no. Now the bank has my account in the negative and refuses to give me my previous funds and refuses to stop my paycheck that will come tomorrow.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report false information. They are purposely not increasing or deliberately dropping consumers ' credit scores to cause financial harm. On XX/XX/2023, Experian increased my credit score to XXXX by XXXX points then on XX/XX/2023, Experian decreased my score back to XXXX by XXXX points stating that XXXX credit card reported a XXXX balance that dropped my utilization to XXXX. When I reached out to XXXX Bank, they stated that they never reported a balance of XXXX to Experian and that on XX/XX/2023 my statement carried a balance of {$27.00}. Experian continues to check my credit usage to report false information to justify dropping my score. 
By Experian doing this they are stalling or prohibiting consumers from obtaining financial opportunities that they would otherwise have had if it werent for them purposely destroying consumers right to fair reporting. I have made numerous reports about Experian delaying me from repairing my credit by reporting me as un-scorable after I reported them to the CFPB in XXXX XXXX XXXX Please reference XXXX # XXXX, XXXX XXXX and XXXX. Experian deleted my credit score, stating that I did not have enough credit, although I had an open credit account for a total of seven months, some collection items, and a credit history with them. I would have a higher credit score and more financial opportunities if it weren't for Experian stalling me from fully repairing my credit. What will the CFPB do to help consumers!!! How much documentation does the CFPB need before you DO SOMETHING? There is a need to implement new laws concerning credit scores. Experian should not be able to do this. In addition, didnt the U.S. fine this company for deceiving consumers about their credit scores? I think another fine is in order. I am positive that I am not the only one Experian is doing this too and has a history of retaliating when consumers report them. 

On XX/XX/2023, I opened a dispute with Experian against XXXX XXXX XXXX. XXXX has not reported my payments and still showed a balance of {$440.00} instead of {$340.00}. I uploaded and attached my proof of payment to the Dispute. On XX/XX/2023, Experian finished my report and sided with XXXX, Per Experian rep, XXXX reported that the balance of {$440.00} was correct and they will not correct this until XXXX reports otherwise. The agent stated that XXXX did not look at the evidence that I provided and opened another dispute for the same account. The second dispute was in my favor however Experian dropped my score by XXXX points again for no reason, I have less debt for the month of XXXX than I had in XXXX. So why drop my score? This is Deliberate Retaliation. This is causing emotional distress. Please assist in this matter. Thank you.
Consumer complaint received 2023-08-07
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-08-03
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: ID Analytics, Inc. (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization.

By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing.

Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MN)

I made my payment as agreed. I seen on my credit report that the payment amount due per month was increased to {$94.00}, but I was not informed. I just looked at the payment due and even though I made a payment, they charged a late fee and an unknown fee again. This is now the 7th month in row they have done this type of practice. Not informing me of the change in payment amount is illegal in itself.
Consumer complaint received 2023-05-02
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. (KY)

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX 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 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

My Chase XXXX feature is restricted on XX/XX/2023 Chase told me someone reported a fraud on the payment they sent me and they did not provided any another information like who reported the fraud but all the money i received it's legit, none of them it's fraud, because all the money i received are either through friends/family And after I found out my XXXX features got restricted, I tried to call XXXX and XXXX told me to called Chase, Chase told me to called XXXX and tell them I checked with my bank, the blocked its placed on XXXX network and XXXX told me they only partner with chase, and they can only see my phone number XXXX or email address is restricted and its linked with my chase bank and chase it's only one who can removed restriction.
Consumer complaint received 2023-09-22
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: MECHANICS BANK (NC)

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The car have increased again by {$2000.00} dollar based of Experian failed to follow the guidelines of the Fair Credit Act Law that requires Credit Bureau to keep information undated on a monthly basis without and excuse My personal life have been put on hold this have fully stressed me out and this company needs to be held accountable for their actions Im requesting arbitration to be started before the complaint is closed this will give me a equal opportunity for a settlement of {$75000.00} I cant get a credit line increase on my soft inquiries that I deserve Experian manager needs to be fired asap no if and or buts about it I believe my lawyer is stepping in next week to take this claim Experian need to represent paperwork that indicates I used the name list on my account as ( ( also know as ) XXXX XXXX if it remove the fake name your employee created to commit fraud and theft this name was created by an Experian worker or manager with no evidence that I utilized this name never ever used XXXX XXXX remove this name I asked over 15 months ago to remove XXXX XXXX asap Experian employee and manager create fake names and addresses to commit fraud with these is inside fraud occurs how are they allowed to keep on placing in accurate information on your Credit Report when information supposed to be verified and validated facts for all the employees and managers that created the fake addresses and fake names on my account. I asked to fully be terminated and not allowed to work in the Credit Report agency for the rest of the life. 

Due to the pain and suffering this have caused me to have a mental breakdown
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (AZ)

This credit card debt is past the statute of limitations. They keep reporting it as new collections debt every month to the credit agencys they call where there number is different every time. Told them the debt is past the statue of limitations so they can not sue and to stop calling me yet they still call several times a day with fake numbers
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.