davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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.

has violated my rights. Or a list of inquiries : 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 2023-12-14
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. (TX)

Per FCRA, as a federally protected consumer, I exercise my right to opt out of any and all authorization, I the consumer may have given XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), Experian, XXXX, XXXX, all other credit reporting agencies whether written, unwritten, verbal, and non verbal for the following account : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX All pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent.
Consumer complaint received 2024-04-25
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. (NJ)

In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX  And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXXXXXX XXXX ( Bank ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Miscellaneous ), XXXX XXXX XXXX  XXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions. 
* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation. 
* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 
I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX.
Consumer complaint received 2023-06-27
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. (CT)

I reviewed my Consumer Reports and noticed that I had two late payments on ad account that I was never late for. 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 ( XXXX XXXX. My account number is XXXX ) 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 on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 2023-12-14
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. (TX)

I search the XXXX data breach website and my worst fears was confirmed it identified that my information had in fact feel into the wrong hands. I will upload proof below. 

This debt furnisher/collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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.

has violated my rights. Or a list of inquiries : 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 2024-04-25
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)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent the credit bureau letters, and they sent me stall letters back!! And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX - XXXX ], [ XXXX - XXXX ], [ XXXX - XXXX ] are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

Check The Attachments Below
Consumer complaint received 2023-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

Description of complaint : First, thank you for helping to resolve my previous complaint just last week with Citibank. Unfortunately, today I encountered an associated situation w/them. Under the advice of Citi Executive Response team last week, I opened a 2nd savings account, this one based in my home " market '' of NC, which allows me an " accelerated interest rate. As advised by both Citi customer service reps & the Executive Response team, yesterday I set up a Global Transfer of funds ( no fee for this ) from my original NY based " market '' to move $ $ from the lower interest savings account ( NY ) to the higher/accelerated savings account ( NC ) & received a message at end of transaction that said it had to be reviewed. When I checked on the status of this transaction today, I found my NY account blocked. I phoned Citi whose fraud team informed me that ALL Global Transfers can no longer be completed d/t high internet fraud. When I asked then why was I instructed to use this mechanism to transfers funds between Citi accounts & why is this still offered both on Citi app & website, no clear answer was provided ; Suggestion only to try a Wire transfer & pay the fee. My NY account was then un-blocked, however now my NC savings account is blocked. I then called Citi Executive Response team & opened a new case, which I'm told can take up to 15 calendar days for a response. Again, Citi is essentially withholding the higher interest rate & misleading about transactions both on website & app.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

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  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-12-14
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. (FL)

I sent disputes on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to XXXX experian and XXXX They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into accounts.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

NOTICED ERRORS ON CONSUMER REPORT AND MADE XXXX XXXXXXXX XXXX AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. XXXX XXXX, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XXXX XXXX  IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (TX)

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX with Equifax. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2024-04-25
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 am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (DC)

This account was surrendered under the property of another agency during the Covid-19 crisis in Maryland in which I have no legal right to this debt that has taken place on my account. I do not have the dates, but it was added to my credit in XXXX of XXXX and I know that it was a XXXX debt that has been not taken off my account, but sent to a collection agency as a faulty account.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I processed a balance transfer off from my BOA credit card to my debit card on the XXXX of XXXX. After waiting the 7-10 business days I called in to check and they said to give it another couple of days. Still nothing so I called back and found out that the check was mailed to the wrong XXXX address. I asked to cancel the check and reissue to the correct address or do a wire transfer. They said to wait a few more days because they would hate to cancel the check and it be ready to be processed. So again, I waited. Still nothing so I called on XXXX the XXXX to cancel the check and reissue the transfer. That representative told me that it should not have let me put my debit card in as a transfer because it is for credit cards only and they check would not be deposited. So I put in another request this time for a XXXX transfer to my checking account at XXXX and XXXX to my credit card at XXXX. Right after my account was flagged for fraudulent activities. I logged in to my BOA account because I had still not received the funds to my checking account and it said to call the fraud number. They claim they were calling me with wrong numbers. I verify by my cell phone with every call so I am not sure what the disconnect is there. They were able to take off the hold on the balance transfer to my XXXX account. At first, he said it would be in my account by the XXXX ( 3 days ). I was upset and he was able to expedite this to tomorrow the XXXX. I asked him about my XXXX transfer to my XXXX credit card and he said it was canceled on the XXXX and would need to be processed again. He transferred me to that department. Understandably I was upset when the representative said it would take another 7-10 business days. I asked if it could be expedited due to BOA multiple errors. She assured me that it could not due to the timelines of processing with the other bank. I asked for a supervisor to see if they would be able to make things right. He said that the processing time is 3-4 days and would you like to process that now? I said can you do anything as a longtime customer with multiple issues regarding this transfer. He stated BOA does not have any type of incentive to make things right with customers when BOA makes mistakes. I understand they happen but as a big business, you would think you would have a department that would handle situations like this. His solution was to open a NEW account to save the 4 % balance transfer fee. Why would I want to open a new account with a business that treats their customers like this and does not try to make it right?! Opening a new account in no way offers anything to me to show their appreciation as a customer and to acknowledge BOA errors. I lost XXXX $ in interest due to their errors.