davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (MO)

Experian closed XXXX complaints all at once and are dumping on to the system LIES LIES LIES LIES LIES LIES LIES LIES AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-01-07
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. (MI)

in accordance with the credit fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 602 A state i have the right to privacy 15 u.s.c 1681 section 602 A section 2 has also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-07
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 was a victim of the Equifax data breach. I want these Items Deleted from my credit reports. 

XXXX. XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX. XXXX Bank Account # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX I received Confirmation from Equifax. " Based on the information you provided, our recors indicate your personal information was impactedby this incident. 
XXXX XXXX XXXX
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP (CA)

I contacted US Bank in XX/XX/XXXX in regards to fraud charges on my credit card. I told the representative that there was a a long list of fraud charges on this card. About 62. I listed them individually. However, as time passed, I got a few letters with refund for about a few of those charges and I have not heard from US Bank again since XX/XX/XXXX about the rest of the charges or any final resolutions.

In addition, they sent me a few new cards .... and they all seem to relate to this account. So now in addition to not being addressed properly about the fraud charges, I have in my possession several different credit cards and I do not know which one is which or which refers to this account where the fraud occurred. 

Attached is the list of fraud charged. I have been calling US Bank trying to resolve the issue with no resolution. This bank is truly the worst.
Consumer complaint received 2023-12-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681, which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666a, 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 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: O&L LAW GROUP, P.L. (FL)

I got a personal loan from XXXX personal loans of XXXX dollars which the money went straight to my XXXX  checking account or savings, I had some claim fraud issues with XXXX  so XXXX  back in XX/XX/XXXX close all my accounts. XXXX in XXXX requested payments from me due to those claims, which I called back and payed them, now XXXX  apparently sold my debt loan to XXXX XXXX XXXX, in XX/XX/XXXX, apparently once I paid off XXXX bank, they stated nothing more is owe, you are clear, but XXXX  XXXX, call their attorneys O & L Law group and are filling a civil action against Me for payment? I'm confused with all the process, because XXXX Can't even find the initial loan with upstart anymore, I called upstart, they told me talk to XXXX XXXX, I called them, they were extremely nasty and told me they have no answers for me, to call their lawyer, at XXXX or email XXXX, I have 20 days to pay them, they file lawsuit case # XXXX, and the law group file # is XXXX, I just need some clarification towards this because I don't know where the money went then ... if XXXX close all my accounts and froze them and I paid them back and now they have no answers
Consumer complaint received 2024-03-31
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)

NO PROOF OF INVESTIGATION ON XX/XX/2024 EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD  PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Consumer complaint received 2024-03-31
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. (MN)

XXXX is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX XXXX XXXX. By law XXXX XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 : XX/XX/XXXXXX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-31
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. (MN)

I have disputed the integrity of the information provided by a collection in my credit report, according to the CRA agency, it is verified, but it is clear that double charges have occurred, not to mention that there are also cost overruns, since they have not provided the difference charging for what is the same medicine. But despite providing the corresponding evidence, it has not been removed from my credit report. I attach your response and my letter sent with the attachments that prove the duplicity of charges.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (AZ)

In Accordance with the fair credit reporting act this creator has violated my rights. I have the right to privacy. also states a consumer reporting agency can not furnish an account without my written instructions. A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-09-25
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$6000.00}.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraudulent items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2024-04-20
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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-02-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/2023 I reached out to Money Network ( MN ) to inquire why my transfer from MN to my personal bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Member FDIC ) was being declined. MN stated that my personal bank was not a bank that they could transfer to. They told me that they would try to clear any flags on the account and to try again the following day ( XX/XX/XXXX ) ; witch I did to no avail. On XX/XX/XXXX I called again and I asked if they had a list of banks that they could transfer to without issue, and they said they didn't have a list of banks to transfer to without issue. They then advised me on the " easiest '' way to get my money out of the account, which all entailed going to an ATM or check cashing business and withdrawing my cash ( consequently paying their transaction fees ). They advised that if I went to a MN, in network ATM that I could take out my funds, but likely in denominations of {$20.00}, therefore leaving a portion of my total balance in the account, and therefore unaccessible to me to use as I wish, in full. If I could transfer the money that is mine from MN directly into my personal account, then that amount could accrue interest, or I could use it as I deemed fit. In this scenario, I am forced to abide by constraints set by MN, and to pay associated fees for withdrawing from their ATM network ( which is {$1.00} for amounts of {$800.00} ( the total allowable withdrawal per XXXX ). If EDD deposits {$1600.00} ( which will happen as long as XXXX XXXXXXXX  ), they I will have to go to an ATM two days in a row, but will still leave {$20.00} in the account this is unacceptable. The only morally correct resolution in this circumstance if for MN to provide transfers from their network to all other banking institutions with no fees the money is mine, in full, and I should garner no fees for using it as I wish, in a timeline that I deep fit. Yes, I could use the card as a simple debit card, but then again, the remainder of the money in the account is not in my personal account accruing interest. If MN can retain fractions of my EDD deposits at their will, then either they have to pay me interest, or pay for the fees associated with handling transfers to my personal account. 

To be honest, this feels like a scam ( which the state is complying with ) ; I have no choice in avoiding this contact that is provided to me. The MN contract for this specific account sets forth an agreement which I have no other choice but to accept that is unacceptable and unlawful. If MN is going to have a link to " transfer funds '', then it should work without prejudice.
Consumer complaint received 2024-04-21
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. (PA)

I have been trying to remove a charge off account XXXX from XXXX XXXX that has multiple inconsistencies and is not my account. It is ruining any chance of me getting credit of any kind. I have asked for validation of debt numerous times and have never received anything.
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IL)

On XX/XX/, I received an email notification informing me about a collection debt of {$840.00} on my account. I was taken aback as I had never received any prior communication regarding this debt, not even from the collection agency. I found out about it only when I saw it on my credit report. 

When I called the collection agency, they asked me for my phone number to locate my account, but they couldn't find anything on their system. They then asked me for my social security number to search for the account, but even with that information, they were unable to locate it. The person on the phone hung up on me after that. 

I called again and spoke to someone else, but they were also unable to find any information about my account. However, this time, the person did not hang up on me. They said they would create a case for me and get back to me in 2 to 3 days, but I have not heard anything yet. 

I am in urgent need of help to get this debt removed from my account.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-03
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: Nelnet, Inc. (TX)

I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of XXXX these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.