davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-02
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. (IN)

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts/promotional inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Creditor : XXXX  XXXX XXXX  XXXX  Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 2. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 3. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 4. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 5. Creditor : XXXX  XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 6. Creditor : XXXX XXXX XXXX Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX 7. Creditor : XXXX  XXXX XXXX  Inquiry Type : Promotional Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. Creditor : EXPERIAN Inquiry Type : Promotional Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 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 for crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-04-26
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. (FL)

Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which XXXX, Transunion, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2022 I received and email about a new credit card. I checked my credit and noticed a brand new account and address that did not belong to me. 

I have filed a claim with the IDTheft.gov and tried to dispute with credit companies. 

I do not reside nor have I ever resided in the state of FL.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

On approx XX/XX/2023, my husband and I were notified by our mortgage provider, XXXX XXXX, that our loan had been sold to Mr Cooper. The letter informed us that XXXX XXXX would no longer accept payments from us and we should no longer send them any funds. On XX/XX/2023, we received an email from Mr Cooper informing us that our first payment is due XX/XX/2023 and while it did include a loan # and the amount due, it did not include an address to send payments. On XX/XX/2023, I attempted to contact Mr Cooper via phone. Their phone prompts did not recognize either social security # associated with the account, either phone # associated with the account, or the loan #. I then called Mr Cooper and was told by an associate that they have no record of our loan. After learning that, I contacted XXXX XXXX who told me that they no longer own our loan, they sold it to Mr Cooper, and they can not help me. We are now in a position where we know a payment is due in 7 days, but one bank is saying they don't own the loan and the company they claimed they sold it to claims they have no record of it. I am filing this complaint to protect myself from what I can only assume is an attempt to steal my home, assess late fees/penalties, and other damage my credit score.
Consumer complaint received 2024-05-16
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. (IN)

I have repeatedly submitted my identity theft affidavit to Equifax using their online portal. On this affidavit, I explicitly stated that I did not authorize a good number of inquiries on my credit report, and that they should have been removed immediately per 605 ( b ) of the FCRA. The inquiries that are unauthorized are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was XXXX  and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the Equifax Data Breach. 

So I am complaining because I have given the double amount of time that the law requires.
Consumer complaint received 2024-04-02
Product: Credit reporting 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. (PA)

XXXX # XXXX My historical information is inaccurate and incorrect. Please reflect as all payments paid on time. As this is effecting my history which impacts my credit score as im in the process of purchasing a home.
Consumer complaint received 2023-09-02
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. (NY)

previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.XXXX  ACCT XXXX XXXX XXXX BEING CHARGED DOUBLE. 


2. XXXX # XXXX XXXX BEING CHARGED DOUBLE. 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in the status of trying to repair my credit and purchase a home and I saw that the company XXXX XXXX XXXX has reported a charged off status on my on TransUnion and XXXX credit report, but the company did not send me a copy of the 1099-c form. I have notified XXXX by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of my credit report.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I want the bureau to start an examination into these accounts, as I am never tardy, yet they are incorrectly recording me as such.
Consumer complaint received 2023-09-18
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. (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 2023-07-11
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: EQUIFAX, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-26
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: DLC, LLC (NV)

In ordinance with consumer law 15 USC 1681 section 602 right to privacy this law was violated and i would like to have debt removed off of my report and it has impacted my XXXX XXXX. Ive tried to speak to debtors directly to have this resolved but hasnt been. Dollar loan center and the debt was sold to XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (CA)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX : # XXXX Trans Union XXXX XXXX XXXX and XXXX 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 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2024-05-15
Product: 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 (FL)

I purchased a prepaid visa card at XXXX. US Bank refuses to let me register my address so I can not use the card. I filed a CFPB case. US Bank lied to me and the CFPB saying if I sent them my drivers license, receipt and picture of the card they would let unlock the card and let me use it. They have not done so and have stolen my money. They have ignored my email for over XXXX  months.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (NE)

Id like to cash out my IRA that was issued on XX/XX/XXXX, by XXXX XXXX at the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Attempting to contact them by phone for the last 3 years has been unsuccessful. Ive called dozens of times and only got a live person 3 times. The first one said Id have to come in in person, which is impossible because Im living in Nebraska now. The other 2 times I was told someone would call me back but nobody ever did. The redemption value was {$2100.00} as of XXXX XXXX, XXXX. 

FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone ( XXXX ) XXXX
Consumer complaint received 2023-04-26
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. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-09-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX I visited Macy 's regarding a furniture purchase. I left with a sample and business card. Two days later when I decided to make the purchase I called Macy 's credit card ser ice team to increase my credit limit for the expected value of the purchase, which was {$3000.00}. I then called the store to purchase over the phone. Store Macy 's XXXX XXXX XXXX XXXX Sales Colleague XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The limit requested was {$3000.00} this should be on a recorded line in addition to my call for the purchase. The transaction total was {$3000.00}, which I question for being over the limit. I was advised it was not a big deal. I specifically declined fabric protection and it was stated I could purchase at a later date. XXXX sent an email on XXXX and requested I approve the transaction, I stated yes. The delivery was scheduled for XX/XX/XXXX and she mailed the receipt. Shortly after the delivery I noticed a second email from Macy'sfrom an alternate email address with a higher transaction amount that had the fabric protection added for a total {$3300.00} ; consequently, putting me over my credit limit by 13 %, there was no request to increase my credit limit or red flag that the transaction was pushed through. The Store employee makes commission on this product and put my credit reporting in a negative situation for an over limit. Once the statement arrived on XX/XX/XXXX I called Macy 's to initiate a dispute and they advised it can take 2 cycles or 60 days. I called back on XXXX and requested the opportunity to provide email proof and rationale regarding my credit limit increase to support the dispute after nearly 2 hours on the phone I was advised they could not update the transaction. I also requested the opportunity to speak with management and I was transferred to a furniture credit associate XXXX, that was kind ; however unable to address my concern.
Consumer complaint received 2024-04-02
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. (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 : XXXXXXXX XXXX XXXX  XXXX {$1300.00} XX/XX/20 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/20 XXXX XXXXXXXX XXXX XXXX {$960.00} XX/XX/20 XXXX XXXX XXXX  XXXX {$840.00} XX/XX/20 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

I have an american express card and i was not able to make montly payment for 1 month on it due to being in hospital. They reported my payment as late and it droped my score by XXXX points now i am.unable to get approved for any loans .i only.missed 1 payment and this is not fair.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2024-03-29
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. (CA)

I am filing this complaint to notify the consumer reporting agencies : Experian, XXXX and XXXX, that I have opted out with XXXX XXXX to stop sharing my nonpublic personal information with nonaffiliated third parties. 

COMPLAINT ID # : XXXX Submitted on : XX/XX/year>