davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am trying to remove the inquiries from the credit reports. 
TransUnion XXXX ( Finance ) XXXX XXXX XXXX XXXX DC ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
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. (GA)

In accordance with the Fair Credit Reporting act, 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

CARD ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx. 6 years ), XXXX also stated " Average age of your accounts : 7 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101. 
In the consumer report dated XX/XX/XXXX, Equifax stated " Your oldest account was opened : 10 months ago ''. In that same report, Equifax reports an open account " XXXX  XXXX  - ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx.11 years ), Equifax also stated " Average age of your accounts : 9 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101.
Consumer complaint received 2023-10-13
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. (NV)

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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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 isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-10-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-10-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2022 I opened a Chase account at the XXXX Ca branch and deposited {$1400.00}. On XX/XX/2022 Chase closed my bank account and refuses to tell me why. I asked for my checks back since Chase said they couldn't reach CA unemployment to verify the state checks, and I was told No. I was told I have to call Chase everyday and have them call CA unemployment office to verify my checks. Everyday, Chase tells me that they can't reach CA unemployment office and that I will not get my money. I've asked to speak to a supervisor and they said they are a private entity and don't have to release those checks to me for up to a year!
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WI)

The card shows available credit. Shows when payment was made. Show next payment due date in XX/XX/. But every time I go to use card it's declined. If card can't be used I should get credit of XXXX balance and close account. I reported a XXXX charge on card from XXXX XXXX and comenity did nothing for me. Of the XXXX in charged I believe I'm not responsible for all of it and comenity isn't fair with me.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-13
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)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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. (GA)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2023-10-13
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 Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-04-04
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-10-13
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : 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 suppose to modify accounts that isn't reporting correctly.

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. 
in accordance with the Fair Credit Reporting act XXXX Inquiry XXXX  date XX/XX/- XXXX, has violated my rights. 


Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-25
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)

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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-10-13
Product: Credit reporting 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. (AR)

I have attempted several times to log into the Equifax website without success. I need access to the Equifax website to check my credit report. My student loans were forgiven and the balance is still being reflected on XXXX and XXXX. I was successful at creating a dispute with those credit bureaus regarding XXXX. However, I have been unsuccessful at accessing the Equifax site.
Consumer complaint received 2024-04-04
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXXXXXX XXXX XXXX Hard inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXXXXXX XXXX XXXX XXXX Transunion reporting XXXX XXXX XXXX XXXXXXXX closed XXXX {$640.00} XXXX XXXX XXXX XXXX # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} XXXX XXXXXXXX {$1900.00} XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$500.00} XXXX soft inquiries XXXXXXXX XXXX closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (GA)

XXXX XXXX called aidvantage. Was told combo plan was best option and i gave the woman on phone all my info so she could process this. She said my payment would go from XXXX to XXXX per month. My XXXX  loan was ineligible for save so it would remain ibr. All other loans would be save plan XXXX XXXX got an email from aidvantage my monthly plan would be XXXX. Called and spoke to someone at aidvantage. Gave her my info again. She told me it would be XXXX month XXXX XXXX again i get an email saying my monthly payment is XXXX. I go on student aid .gov and fill out another application. This time i get it in writing and take screen shots that best plan is combo plan- save and ibr . I call and speak with rep. Initially she tells me yes its XXXX, they have no record of my combo plan- but then she gets on phone with her supervisor who says it shows XXXX in one location but they assure me on their side its XXXX /month. My XXXX payment will be XXXX month XXXX XXXX i get a notice my loan is in forebearance XXXX XXXX i call and speak with aidvantage. I spend 2 hrs on hold. Speak with rep who says things are still processing. Ignore their emails. She tells me it should be corrected by XXXX. We hang up, then she calls me back and leaves a VM that i need to do an exit procedure actually. 

I call back and wait for 1 hour. Tell new rep about the vm. She says she will look into it and then hangs up on me. 

I call back again. Wait for over an hour and I speak with a different rep who says I need to pay to exit my existing ibr plan, i do this because at this point i dont know whats truth or fiction but I am desperate for this to be handled. Then she says it says i am on a pay as you earn plan. She doesnt really resolve problem but says if i dont pay this exit fee then my loan repayment plan will just be held up or rejected without reason. 

Today is XXXX i have completely lost faith in aidvantage and the federal governments ability to handle my student loan debt. The XXXX  is unbearable, and there is no one to talk to about this. I am basically just told something different every time i call. I think they may be purposely be preventing me from accessing save plan so they can make more from me. Please stop collection and interest accruing until a resolution is found for us borrowers who are being told false information
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (SC)

XXXX XXXX XXXX XXXX XXXX sent me a statement from their agency without allowing me the opportunity to dispute the name and address of the original creditor. After receiving this particular letter, on XX/XX/2023, I received a notice on XX/XX/2023, for the same debt from Capital Management Services , LP from the original creditor who that informed was XXXX XXXX XXXXXXXX. 

According to 15USC 1681 a ( dX2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet these companies are reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. These negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, and XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be considered officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit 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 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 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX GA XXXX to run an inquiry on my credit report.
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. (NJ)

The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX