davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below 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. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed several items on my Transunion credit report on XX/XX/2023 via certified mail. The dispute was received on XX/XX/2023. In addition, I disputed several inquiries as well on XX/XX/2023 via certified mail as well. That dispute was received on XXXX. I still have not received a response as of today. I sent a follow up dispute letter on XX/XX/2023. Its been 30 days since they received my dispute and still haven't received a response. 

Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61i ( a ) ( 1 ) ( A ), aad I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-10
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)

I am a human being, Citizen of the United States. I found numerous errors in my credit report. I have rights under 15 USC 1681 XXXX, Equifax, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts in this report be removed, according to 15 USC 1681 I have rights to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts they placed on my credit report. I repeat, I never opened these accounts, nor did I sign anything, or documents. I never have spoken to anyone in reference to these accounts. No email, nor phone call. I repeat these accounts are fraudulent.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act ( 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NJ)

I enrolled in XXXX rewards program to enroll for my home rent payment in XX/XX/2022. In the recent month, I was notified that a XXXX credit card under Wells Fargo was dispatched/issued to me when I had not applied for such a card. On seeing the app where I go regularly to do my rent payment, I see fraudulent charges done on this card. 2 days ago I received this card physically. Even though I did not apply for this card and the physical card just came in, I see charges on the card done online 10 days back for more than XXXX $
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MD)

It was brought to my at attention XXXX  XXXX XXXX under section 1681s-3 has by law has not ask for my permission to share my utilization of credit to XXXX  and XXXX
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following companies have listed false hard inquiries on my credit report, these hard inquiries listed should not be listed on my credit report. I have attached my police report to this report and these hard inquiries should be removed.
Consumer complaint received 2023-08-12
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: Synovus Bank (FL)

XXXXDisputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXXdisputed balance for XXXX but didnt remove
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is (  XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current
Consumer complaint received 2023-05-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

After 20 years, my account is temporarily blocked for two months. Everyday is the same response - we know what the problem is. I do believe that technical support is intentionally denying access so that some of the many cd, and savings accounts that I own with them are going to go missing. 

I have numerous tickets open, but no access to my funds.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$22000.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
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. (AL)

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX 15 U.S.C. 1681 Section 602 A : States I have a 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 with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I created this account with the intention of fixing my credit. I have been going through my report for several months and have noticed that this account has not been updated. I have never been late on this account and would like to have this corrected. I don't use the card currently and do not appreciate the negative remarks.
Consumer complaint received 2023-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft and someone used my information to obtain a credit card with Capital One Bank. I have contacted Capital One and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as Capital One date opened XX/XX/2019 partial account # XXXX as a business card joint. I do not have a business nor joint with any business.
Consumer complaint received 2023-11-20
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. (NY)

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies used my information without my consent, I did not give any of these companies permission to run my credit report.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (AR)

I asked for this company to produce the debt and they have not complied. They sent me a lease that was filled out online and proves nothing to resolve the debt. I have a signed letter from my landlord as to my residency for over a decade. I will submit it with this application to be forwarded to this company
Consumer complaint received 2023-08-31
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 XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX 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 2018-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

MY JC PENNY PLATINUM CREDIT ACCOUNT IS CLOSED. I HAVE IN PLACE SINCE THE YEAR XX/XX/XXXX A PAYMENT PLAN TO PAY VIA AUTO PAY. OFF THE BALANCE IN THE AMOUNT OF {$64.00} PER MONTH UNTIL THE BALANCE IS PAID OFF IN FULL. I HAVE NOT USED MY JC PENNY CREDIT CARD FOR AT LEAST THREE YEARS. EVERY MONTH ON THE XXXX VIA AUTO PAY FROM MY XXXX XXXX CHECKING ACCOUNT. THIS MONTH XX/XX/XXXX, THE AMOUNT OF {$190.00} WAST TAKEN OUT OF MY ACCOUNT INSTEAD OF THE USUAL {$64.00}. TO THE BEST OF MY KNOWLEDGE THIS FRAUD. I WROTE JCPENNY /SYNCHRONY BANK A LETTER DATED XX/XX/XXXX STATING THAT MY PAYMENT REMAIN IN PLACE. I HAD TO FILE WITH THE FEDERAL TRADE COMMISSON IDENTITY THEFT FTC # XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I sent a certified letter to the XXXX Experian and XXXX on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect
Consumer complaint received 2023-11-20
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. (CT)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 1604a section 2 ). it Also, states, a consumer report agency can not furnish an account without my written instruction under 15uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a late payment from XXXX I requested a copy of my disbursement from earlier of this year. I am in the middle of a refinance for my property and this Late payment is holding me back. I am requesting the removal of the 30 late payments.
Consumer complaint received 2023-11-20
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. (PA)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with LVNV or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out to the company and they stated that they would not remove it. 

Here are the inquires : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-10-21
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. (MI)

I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX  XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-18
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: DISCOVER BANK (FL)

Dear DISCOVER BANK, I am demanding the removal of this following charge-off account listed DISCOVER BANK, ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND ACCOUNT # XXXX OPENED ON XX/XX/XXXX. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This is considered an inaccurate account, and this is defamation of character.