davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (TN)

On XX/XX/2023, Experian consumer reporting agency received a reinvestigate notice of dispute request. To my dismay nothing happened. I have proof that Experian received my letter but did not reinvestigate any of the accounts mentioned in the notice of dispute that Experian received. As a result of this negligence, I have been unable to make significant consumer credit transactions, obtain loans, or credit cards for that matter. I have actual damages because of Experian 's negligence, and I have been in emotional distress. The only thing that was disputing prior to them receiving my letter was personal information done through their website. Pursuant to The Fair Credit Reporting Act 15 USC 1681e ( a ) ( b ) and 15 USC 1681d ( b ). Experian has an obligation and is required by law to investigate upon notice of the request. Experian is now liable per 15 USC 1681o civil liability for negligent noncompliance.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has XXXX my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I applied for an Apple Card and was immediately denied an extensions of my credit. This is XXXX violations of ECOA/ Regulation B, by denying me and further discouraging me from applying for an extension of my credit. 

ALSO : CFR 12 1002.2 ( N ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. 

How can one be expected to act in the manner of another if credit is not granted? It would not be fair to determine my creditworthiness based on an empirical model that does not allow people with lower credit scores the chance to obtain credit as say, people with an XXXX score.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XXXX XXXX XXXX IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.
Consumer complaint received 2024-04-20
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)

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem.
Consumer complaint received 2023-12-04
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-04
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)

I am writing to bring to your attention a matter of great concern regarding my credit report. Despite multiple attempts, I have been unsuccessful in having a late/closed account removed from my credit file. 

I have made several requests to have this information investigated and rectified, but it appears that my efforts have not yielded any positive results. I understand the importance of an accurate credit report, and the presence of this inaccurate information is adversely affecting my creditworthiness. 

I kindly request that you conduct a thorough investigation into the matter and take appropriate actions to rectify the inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I have attached supporting documentation, including Driver 's License and Proof of Address. 

I appreciate your prompt attention to this matter and request that you provide a written response within 30 days, as stipulated by the FCRA. If the investigation confirms the inaccuracies, I expect the prompt removal of the erroneous information from my credit report. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was apartments that I applied for and couldn't get approved due to wrong information and alot of wrong addresses debts and more. 
I had to keep disputing information This credit bureau was allowing company 's to place false information on my credit report
Consumer complaint received 2023-12-04
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
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. (TN)

I have been disputing these negative accounts on my credit reports and have submitted FTC reports and police reports according to the FCRA. These documents are not being attached to my disputes and the process per the FCRA is not being followed. And I am not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-04
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. (TN)

I have been disputing my credit reports because I am a victim of identity theft. The disputes are not being processed according to the FRCA and the paperwork I am submitting is not being processed and attached to my disputes. I cant talk to an US agent on the phone and I have still not gotten copies of the verification process
Consumer complaint received 2023-08-07
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)

15 u.s. code 1681N. the bureaus is not complying, and hold inaccurate information. I WILL SUE FOR {$1000.00} PER VIOLATION.

THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT GIVE ANY WRITTEN PERMISSION IN ACCORDANCE WITH FCRA TO HAVE THE BELOW IDENTIFIED TRANSACTIONS FURNISHED ON MY CONSUMER REPORT. PLEASE BLOCK THE REPORTING OF TH IS INFORMATION. THE IDENTIFIED TRANSACTION ARE NOT RELATED TO ANY TRANSACTION BY THE CONSUMER. THIS BLOCK IS NOT BEING MADE IN ERROR, OR ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF.
Consumer complaint received 2023-12-04
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. (VA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (TN)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights, to privacy and confidentiality. Under 15 USC 1681.

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

15 U.S.C 1681 section 602 A. It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681 C ( 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 record 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 a resonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account XXXX : 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 XXXX5 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 


Account 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AP)

After making the last complaint about XXXX XXXX and having them fix the issue, they instead processed a payment that was not made by me. Instead they made the payment on my behalf without permission. When I called to have it corrected the customer service rep stated that it wasn't fraud for them to pull money not authorized from the account. When I asked for a supervisor she informed me I could talk to one at a later date as she was not willing to transfer me over. She refused to identify herself and ended the call stating she processed a refund in the amount the basically stole from my account.
Consumer complaint received 2024-04-20
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. (TX)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX Balance : {$5400.00}.
Consumer complaint received 2023-12-04
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)

There are two credit reporting agencies ; XXXX and Experian who have failed in their grave responsibility to uphold the consumer 's right to privacy. These agencies ' careless and unlawful business practices have resulted in data breaches, and I personally have been affected by such malpractice. A fraudulent account has been opened in my name, adversely affecting my ability to utilize my consumer credit. I have already submitted an FTC Identity Theft Report and disputed the account with the companies multiple times, only to receive frivolous boilerplate responses in return that are off-point and do not address the nature of their mistakes. While XXXX has done the fair and equitable thing in deleting the account from my report, they have not properly and justly compensated me for the violation ( under 15 USC 6801 ; breach of privacy ). Seeing that the account is no longer reporting on XXXX due to its inaccuracy, Experian should now follow suit and remove the account, and compensate me {$1000.00} for each violation of the FCRA. Another violation that I am to be compensated for is the fact that I didn't receive any request for permission to furnish such information. As I have stated I haven't had access to my consumer credit and have been denied countless home loans, apartment leases, and rental properties. As a result, I am currently homeless with a wife and child. At the time the charge-off hit my account I was applying for a {$500000.00} loan and the law states that as actual damage that I must be compensated for. 

XXXX XXXX XXXX claim number : XXXX
Consumer complaint received 2024-04-20
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. (TX)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.