davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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  Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

Update my Current personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX see attachment thank you
Consumer complaint received 2024-04-15
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. (AL)

I have took a look at my credit report recently and I'm honestly furious seeing my credit report reporting inaccurate information against me. I see inquiries that I did not authorize. According to 15 U.S. Code 1681c2, a consumer reporting agency shall block the reporting of information that results from an alleged identity theft. This is a form of identity theft. 

The following inquiries I did not authorize : Equifax and XXXX : XXXX XXXX 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 2024-04-15
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. (OK)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>2024, and I have not yet received a response.
Consumer complaint received 2024-04-14
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: EQUIFAX, INC. (TN)

I submitted a dispute with XXXX, Equifax and XXXX and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( XXXX ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive contracted Transunion several times about my account with XXXX. XXXX has also contacted them about the error thats on my report. Transunion is the only one saying this account was late when I traded in the car and they car dealership had paid off this account. Ive never been late. They will not investigate with XXXX as XXXX has told me that they reached out to Transunion on my behalf a year ago and they are not sure why Transunion has not updated this account to pays as agreed
Consumer complaint received 2023-12-07
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. (CA)

XXXX  XXXX in the amount of {$680.00} & & XXXX and XXXX XXXX  in the amount of {$1600.00}, are the result of identity theft, and They are not belonging to me.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

US Department of Education slong with Experian And XXXX is reporting inaccurate information onstudent loans as payment late during the COVID FORBEARANCE PAUSEon my credit report for the years of XXXX, XXXX, and XXXX. Deliberately ruining my credit.Student loan moratorium has suspended monthly payments and interest for most federal student loan borrowers since XX/XX/XXXX. Former President Trump initially enacted the relief on a short-term basis in response to the Covid-19 national emergency. I had requested an appeal in XX/XX/XXXX which was never processed due to Covid-19 Federal Student Loan Moratorium and pause
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-27
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)

I urge you to remove those inquiries attached on my credit report. I have no association with the listed creditor and did not authorize this inquiry. I believe this inquiry is inaccurate and may be a result of identity theft or fraudulent activity.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I received an email from Bank of America stating that my new account has been opened. 


On XX/XX/XXXX, I received a second email from Bank of America thanking me for interest in opening an account but theyre unable to do so online. The email then says I can get help opening an account at a local financial center Ive never tried to open any account or do business with Bank of America
Consumer complaint received 2024-03-27
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. (KS)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not initiate any credit application or request that would warrant such an inquiry. I am very worried that this inquiry negatively impacts my credit score and financial standing. Therefore, I urge you to conduct a thorough investigation into this matter and take appropriate action to rectify this error promptly.
Consumer complaint received 2024-03-27
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-07-24
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. (MD)

I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.
Consumer complaint received 2023-03-24
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. (SC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-05-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brown and Joseph, Ltd (IL)

I received a letter from Brown & Joseph LLC dba XXXX XXXX claiming I have a debt from their client, XXXX XXXX XXXX XXXX. In the letter, they threatened to request the suspension of my drivers license even though this is the first I am hearing of any debt from either party. Additionally, the state requires additional steps before they can even request to suspend my license, like not satisfying a court determined judgement ( which I havent ever been requested to appear at ). The only information in the letter is the total amount of debt, a settlement amount, and how to contact them to pay or arrange for payment. No option to dispute or how to request verification of the debt. XXXX also failed to notify me of any debt, and never made contact regarding any debt or made any attempt to discuss it.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to BANK OF AMERICA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is my second 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 XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

there are transactions that are missing they are not anywhere on my bank statement.I have went into the branch enough times and they keep lieing to me and telling me that I dont see the transaction cause it was a hold and it disapears, its fraud and its dscrimination and there is money that is being taken out and I dont recieve it back. i went in to the branch and the employee was lieing to me and avoiding searching for the transaction and threatened me that she was going to call the police.I stayed at the XXXX XXXX, XXXXXXXX XXXX  and the employee purposely saved my debit card info and after I checked out on XXXX and XXXX on both datesthe employee charged my debit card unauthorized, Icalled her on the transactions and said I would be refunded, I have not been refunded, my bank does not have the transactions they were deleted from the statement the charge was not any part of the hotel stay it was unauthorized and fraud, {$200.00} is to be refunded from the hotel, $ XXXX XXXX and $ XXXX XXXX the bank says they dont have the transactions they cant file a claim. 
I staed at the XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXX I paid cash for the hotel stay but paid with my debit card {$50.00} and it was to be released on the XXXX then I stayed at the XXXX again on XXXX XXXX and XXXX I paid cash for the deposit on XXXX XXXX and used my debit card on XXXX, I have not recieved the refund. the bank says that there are no transactions that were made with my debit card. and I paid {$190.00} and then charged {$140.00} there after. The bank says that there are no transactions and started to fight with me. these transactions happened and it has to show somewhere and missing money from these transactions XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ARE THREATENING ME AND TAKING THE MONEY TELLING ME I RECIEVED THE MONEY AND I CANT STAY AT THE HOTEL NOMORE IF I TELL MY BANK. THEY ARE FRAUD LIEING TO MESTEALING FROM ME AND TRYING TO MAKE ME LOOK BAD.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

American Express froze my card. According to them I filed for Bankruptcy. This is untrue. I ask them to provide all documentation used to determine that I filed for Bankruptcy, they indicated they could not provide any documents. In addition I ask if they reported anything to the credit bureaus. They did not know if anything was submitted. 

I have spent many hours correcting all the automatic payments because of this freeze on my card. This is a gold American express card that I pay over {$75.00} for a year.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (MI)

My debit continues to decrease as I have made on time payments on my bills. Experian continues not to increase my credit score. It has been the same score for three months, but XXXX and XXXX consistently raise or lower my credit score each month and some times weekly. My creditors are reporting to Experian on a monthly basis, but my score isn't being updated by Experian.