davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-09
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. (GA)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2024-04-08
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. (TX)

I received my credit report from EQUIFAX, XXXX XXXX XXXX on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-08
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. (TX)

I received my credit report from EQUIFAX, XXXX XXXX XXXXXXXX on XX/XX/2024 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Consumer complaint received 2023-04-18
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-09
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. (CT)

Experian is not following the law i explain to them that i have the right to opt out of having my information reported, i made them aware of the fair credit reporting act code 15 usc 1681a 2 specifically under the exclusions that a consumer transactions are not reported in the consumer report, i can opt out of having this account reported and i want to exercise my rights, i want the account to either be removed or change to on time, paid/paying as agreed the account im referring to is a XXXX XXXX XXXX account, from XXXX with several late payments, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all in XXXX, Ive sent 2 complaints and spoke with 2 representatives and they keep updating the account inaccurately changing them to other dates and not removing them first complaint and letter was sent XX/XX/XXXX, this was after writing a complain online through there portal, after this I got a nother complaint no. On XX/XX/XXXX, then today XX/XX/XXXX I got an update with no change and an escalation no. And this is all
Consumer complaint received 2022-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believe the 3 credit bureaus are making it incredibly difficult ( on purpose ) to file disputes, and follow up on disputes online and on the phone. The TransUnion portal is reporting an error when I try to file a dispute. I attempted this on 2 different browsers, 2 different computers, and on consecutive days. The XXXX site is not allowing me to download the PDF with the results to my dispute. XXXX is not allowing me to comment on my Dispute and add subsequent documents justifying my claim.
Consumer complaint received 2023-10-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

I reached out to XXXX a XXXX XXXX who i had a leasing contract with before breaking my lease due to XXXX at XXXX XXXX rat infestations. I spoke to the manager to get the issue resolved nothing happened so i moved. XXXX at XXXX XXXX sold my information to Hunter Warfield. I explained the issue to the rep at Hunter Warfield we agreed on an amount. Before paying the balance, I requested from Hunter Warfield a letter by mail or mail informing me the collection will be removed from my credit report. Hunter Warfield was paid in XXXX it is now XXXX and Hunter Warfield is refusing to remove the collection.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX continues to report to credit bureau XXXX XXXX. 
The name under which this account contract was with is not the correct name. 
Also to report me as delinquent for all these years and then send me a annual valued cardholder letter is business fraud. This is harassment and evidence that reporting activity is in violation of FCRA standards.
Consumer complaint received 2023-04-18
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. (TX)

I am writing this letter in regards to a collections account that is being listed on my credit report by XXXX XXXX XXXX. Per the Fair Credit Reporting Act you are required to verify and complete the validity of the record I dispute within 30 days. I submitted the dispute to you online through your website on XX/XX/. Per, FCRA if the account can not be verified in that time period, you are obligated by law to remove the item. I show this was not done until XX/XX/XXXX  which is more than 30 days. I was given no evidence of my obligation to pay this debt to this collection agency by them in the mail or elsewhere. Please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. I demand that this account be removed off of my credit profile immediately.
Consumer complaint received 2024-04-08
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)

I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, as late. This is inaccurate. For Equifax they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This issue is related to ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Tried to resolve problems that XXXX XXXX didn't resolve. 
Bank of America customer service told me that transaction will be declined because I don't have to withdraw protection. 
My checking account is negative.
Consumer complaint received 2023-04-18
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX and XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-12-02
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: EQUIFAX, INC. (CA)

After reviewing my Credit Report, I noticed several XXXX XXXX Inquiries on the report as follows. Please DELETE the XXXX Inquiries as soon as possible. 

XXXX XXXX XXXX / XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

The bank behind the XXXX card is XXXX XXXX. This card has been charging me large late fees, and not applying my payments to the balance. My balance is going up and not down. I did email them, but it has been more than 3 months of late charges on my account. I had not seen where any of my payments applied to my balance.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (VA)

I have never given any of the following companies ' permission to access my credit report in any capacity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXXXXXX XXXX None of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-07
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: EQUIFAX, INC. (LA)

I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.
Consumer complaint received 2023-10-09
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington Law Firm signed me up for their Lex on Track service at {$29.00} per month, to " repair '' one bureau at a time on a rotating schedule. 

No results were seen in the first 90 days of their service. 

However, on my own, through my own personal time and expense, contacting the credit bureaus directly on my own, I was able to achieve some items being removed from my credit report. 

Lexington Law tried to claim this as part of their success with their program, even though they did not deal with all three bureaus and could not have achieved this without all of the documentation I had available. 

I then " upgraded '' to the XXXX XXXX product from Lexington, since it dealt with all three credit bureaus. Once again, Lexington Law took credit for my previous works and kept sending emails and correspondence regarding their billing, but not about my actual case. 

I reached out multiple times to ask what Lexington actually did, and they just directed me to their " dashboard '' which just said that they sent letters and were awaiting responses. None of those responses were reported to me or received by me.

Lexington is trying to " Collect '' now for the fees for " past work '' done ... which they have yet to prove they've done. 

They have now " Closed '' my account, stating that they completed their work and are requesting more money for " past work '' they have yet to prove they've done. 

They did not deliver anything on their end. Any changes to my credit reports came from my own activities, calls, letters and correspondence sent to the credit bureaus and my former creditors, directly.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SYNCHRONY FINANCIAL (CA)

I did.A mobile deposit on a check.They did not cash XXXX didn't do the transfer from my XXXX XXXXXXXX XXXXAccount ending in XXXXmy synchrony account and XXXX XXXX dollars and they will not release my XXXX XXXX dollars but it's available
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my documents 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  SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: World Omni Financial Corp. (NC)

Made contact with XXXX XXXX XXXX XXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX and XX/XX/2023 about the inaccuracies on my credit report and the creditor and bureaus have failed to abide by the Fair Lending Laws and Regulations.