davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-12
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 2023-10-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 2023-04-19
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-12
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. 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 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 2023-10-12
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. 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 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 2023-10-12
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: Experian Information Solutions Inc. (TX)

I've seen some hard inquiries that I did not authorized. Sent letters to credit bureaus, called some of the companies and I did not see the information falling off. I want these unauthorized inquiries removed
Consumer complaint received 2023-10-12
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)

My name is XXXX XXXX. I do not go by any other names. remove these names from my report as they're incorrectXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I do not live or ever lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please update this information on my credit. I have provided my drivers license in the attachments.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mortgage Research Center, LLC (TX)

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is explained how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Consumer complaint received 2023-10-12
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. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (GA)

To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from IQ DATA INTERNATIONAL, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking IQ DATA original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX XXXX XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report 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. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (CA)

On XX/XX/23, I was contacted by XXXX at XXXX. The man on the phone identified himself as XXXX with Plaza Services. XXXX stated how just reached out to the XXXX XXXX XXXX XXXX ( my job ) in order to contact me about a matter in their offices. It should be noted that I have received text messages about a matter placed in an office from XXXX and to contact XXXX received these messages on my personal and work phone. XXXX went on to state that I had a debt with XXXX and it is in prelitigation and a judgement is pending and then he went on to offer payment options to resolve the debt. When I questioned XXXX about contacting my job over a personal debt and making threats over lawsuit is illegal, he made this statement " How's your credit because once this reports you want like it no more ''. XXXX went on to state that he knows I just brought a house and a car and that I need to pay my debts and that my credit will be ruined once he reports this debt. I informed XXXX I will contact the CFPB and asked he has legal right to collect in California and if he is bonded. XXXX than hung up on me. 

Plaza Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This my 3rd complaint and matter is still not resolved. 
The bank keeps thanking me for being a preferred client but treats me like a cockroach whose time is worthless. 

For the XXXX time my card was blocked. And fraud department DEMANDS. I go to a branch with 2 forms of ID Even though I already went to the bank with 2 forms of ID twice, but they didnt bother notating it properly and I dont see how it is my problem thar their own team cant do the job
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (MS)

I am unaware of this debt. I did not have an opportunity to dispute this information. If in fact you believe that you gave me proper notification, please send me the certified mail receipt with my name and signature on it. This supposd debt is unlegal.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Universal Account Servicing, LLC (NY)

I joined the program XXXX XXXX XXXX on XX/XX/2023 with XXXX XXXX to get trained how to work in XXXX and XXXX XXXX. Her company request for you to get a financing to pay the program for a value of {$160000.00}, and financing {$90000.00} for a monthly payment of {$190.00}. the money will cover your training, support and starting your business with XXXX. I got only 2 classes and had paid {$1200.00}. 
I heard from my trainer that they went bankrupt, but not one had notified us. Some of trainers formed a group called XXXX XXXX, and stated they had nothing to do with XXXX XXXX XXXX, and only asking foe {$1.00} to continue using the platform. 
I got an Email for the first time from their third party XXXX XXXX XXXX Universal Account Servicing , LLC, sending me my account and details to open their [ platform. I opened and all my deductions were there, but they were asking to pay thru there, I clicked, and it said that I was not enrolled for autopay. I call them at XXXX and a girl told me that I was not enrolled in autopay. I told her that the Company XXXX went bankrupt and I could not continue paying. She told me to call another number XXXX and a man answered and hung the phone in the middle of my conversation. Then hung again. I notified my Bank to stop withdrwals. Be carefull there are a lot scammers.
Consumer complaint received 2022-12-07
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. (GA)

Unauthorized inquiries on my credit file. The following inquiries do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
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. (PA)

I did not authorize any of the accounts listed below to obtain a copy of my report. For I am a victim of identity theft. I DO NOT HAVE A CONTRACT WITH THESE COMPANIES. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 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.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

When I began XXXX XXXX in XXXX, I took out a {$20000.00} Direct Unsubsidized loan at XXXX percent interest rate and a {$2000.00} Graduate PLUS loan at a XXXX percent interest rate. I have attached the original loan documentation for this as Exhibit A. On XX/XX/XXXX, I paid the entire {$2000.00} balance remaining on my Grad PLUS loan, as demonstrated by the loan financial activity summary attached as Exhibit B. Before the end of the payment pause, I made further payments to my XXXX XXXX loan for a remaining balance of {$8100.00}. On XX/XX/XXXX, MOHELA sent a payoff letter confirming payment of my Grad PLUS loan, attached as Exhibit XXXX Yet on XX/XX/XXXX, I received correspondence from MOHELA XXXX that I had a {$2000.00} balance on my Grad PLUS loan, which was past due ( Exhibit D ). My account now reflects a {$2000.00} decrease in the balance of my Direct Unsubsidized loan ( down now to {$6100.00} ) and a sudden resurrection of the paid-off Grad PLUS loan with interest tacked on so that my total balance increased to {$8200.00}, attached as Exhibit XXXX XXXX never made any request to reprocess payments or authorized any action that would take my Grad PLUS loan ( with a higher interest rate ) out of payoff. When I called in to ask what happened, following an XXXX minute hold, a MOHELA representative acknowledged that the servicer had committed a serious error and taken it upon itself, without my request or authorization, to reprocess the XXXX XXXX payment of {$2000.00} to the Direct Unsubsidized loan, not the Grad PLUS loan ( with a higher interest rate ). However, in order to get this fixed, MOHELA required that I make a request to have the XXXX XXXX payment reprocessed for the Grad Plus loan -- as if I had not directed the payment to that loan in the first place. This is an attempt to cover up their serious error and prevent regulators from finding out about this, at best, severe lapse in compliance.
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. (GA)

I applied for a credit product on or about XX/XX/25 and was denied. There is no reason why I would reapply on or about XXXX. That inquiry is a error on the part of the bank.