davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCOUNT XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-21
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 XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX. As a direct result of this my persona credit has been severely damaged.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inaccurate addresses 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 inaccurate addresses which is found to be opened due to identity theft. The dispute inaccurate addresses 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 remove these inaccurate addresses. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Consumer complaint received 2023-08-30
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inaccurate addresses 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 inaccurate addresses which is found to be opened due to identity theft. The dispute inaccurate addresses 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 remove these inaccurate addresses. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Consumer complaint received 2024-03-28
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

Received visa gift card XX/XX/2022. Card website : XXXX  Should have {$100.00} balance Tried to use card in store- was rejected Tried numerous times to register card online, always received message to call number on back of card. 
Called number on back of card : 1st time was told to try different browsers, clear cache, etc - all to no avail 2nd time no answer, unable to reach live person or voicemail 3rd time was told call being transferred to someone who could help - call went to no one and was cut off 4th time no answer, no voicemail 5th time was told the same as 1st call 6th time was told a ticket was put in to fix the problem and wait five days and try again to register card online. Continued to get message there is a problem with your card despite numerous attempts to register online using different computers, browsers, clearing cache, using or not using VPN, etc 7th time told to try different browsers, etc. I explained everything that has happened so far with no resolution, agent then hung up 8th time told I could report that card is not working using link at bottom of website Tried multiple times over 2 months to report card not working using the link, using different browsers, different computers, etc, and always get message there is a problem with your card. Contact customer service. 
Calls to customer service again, get variations on the above
Consumer complaint received 2024-01-18
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. (NV)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is 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 Metro2 compliance. Provide me with the Metro2 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. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. 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 forced to 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 2024-01-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-10-29
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

In XX/XX/XXXX I received notification that I had a 30-days late on my credit report from Citizens Bank . I called Citizens on XX/XX/XXXX and after speaking with a representative it was brought to my attention that Citizens Bank had an incorrect mailing address on my file and was sending statements to an incorrect address, they stated that it was likely an internal error from XXXX the alarm company as they do all their financing. I was informed by staff that they would update my address and clear my credit report of the 30 days late due to this error on their end. I was given a rep name and reference number ( XXXX XXXX on XX/XX/XXXX XXXX ). This correction never occurred. 

Today I received notification of another 30 days late added to my credit report from Citizens Bank. I called and spoke with a rep who informed me my account was almost 90days past due. I verified that my last payment was XX/XX/XXXX, and I informed the rep that during that last call in XXXX, I set up automatic payments. I asked the rep how could my account be behind when I signed up for automatic payments? She stated that she did not know, and I requested to speak with a manager. I waited on hold for 30 minutes and was told that a manager would call me back. 

I find it truly troubling that this company is allowed to make numerous errors in their system and penalize me by making incorrect reports to my credit.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have attached NEW AND RECENT COPIES of my credit report from EQUIFAX showing that XXXX is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. XXXX HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO EQUIFAX AS REQUESTED. EQUIFAX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from XXXX regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, XXXX NEVER reviews the documentation.
Consumer complaint received 2024-01-13
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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 customers and to protect the security and confidentiality of those customers nonpublic 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 subsection ( c ), any consumer reporting agency may furnish a consumer report under 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 the Consumer reporting agencies Equifax 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 Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( 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 which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-08-30
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX CT XXXX, XXXX ; XXXX XXXX HM XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; TXXXX XX/XX/XXXX.
Consumer complaint received 2023-08-30
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. (TN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (OR)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Consumer complaint received 2024-01-02
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

This complaint is in regards to the company called XXXX. This card was issued to me for unemployment benefits within the state of Florida. My complaint is that every time the automated number is called and it ask to enter the last four digits of the card number and pin. It automatically give the balance and deducts XXXX cents every time. There should be an option to select whether you want to hear you balance. Furthermore there should never be a fee assessed to check your balance OR to talk to customer service. 

This is deceptive. as many people are getting either unemployment, child support or some other benefit through this card. It seems to be taking advantage of consumers within a certain economic category. If a person is unemployed or getting state benefits, they need every penny they can get. Its unfair and deceptive to have a financial institution charge customers to hear their balance or get assistance from customer service. 

Please look into this matter
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (MO)

Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged. 
I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement.

I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed. 

I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action.

Both letters are from the same Fraud Management and Enterprise Authentication department. 

As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation. 

As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity. 

If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my account.