davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (NM)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (NJ)

An inquiry was posted by XXXX XXXX XXXX  on my Equifax credit report. Upon calling them they couldnt locate any information about me as per my data. I visited one of there branch after they advised me to do so. They also failed to provide any information. There decision was made on unmatched social security number provided. Simply social security number didnt match with credit file. Then how come inquiry goes on my record. Bank was totally fail to get any application for under my info. They investigate internally and gave me same answer I mentioned above then contacted Equifax. They couldnt understand my need and did not do anything. It falls under identity theft if social security number doesnt match with me then its not me. It happened XXXX. Bank was XXXX XXXX and credit company was Equifax. I am having excellent credit score and history. Such cards are always granteed approved for me as per all of my credit reports.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on 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
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX Balance : {$84000.00}
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I Sent a dispute letter to equifax detailing that they are reporting a mortge account late... first date of delinquency is being reported as XXXX XXXX..but on the payments time line see attached..it shows 90 days late XX/XX/2018 and 120 days late in XX/XX/2018 ... so how is the first date of delinquency be in XX/XX/2018... I Have the right for my credit report to be accuate ... im requesting to up date to paid on time never late... XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Equifax Extended Alert contact number. 
On XX/XX/2017 I setup an extended fraud alert with Equifax. 
the contact number XXXX XXXX XXXX provided on the extended fraud alert is not accurate. 
I initially contacted Equifax and they claimed to have fixed the issue but the number is still XXXX XXXX XXXX. 
It needs to be updated to XXXX XXXX XXXX.
Consumer complaint received 2023-08-09
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. (NY)

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 15USC 1681. 

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 2022-12-20
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-12
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: WELLS FARGO & COMPANY (IN)

In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX From Wells Fargo has violated my rights.

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-20
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2024-04-04
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Consumer complaint received 2023-08-09
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. (FL)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (FL)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2022-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On or about XX/XX/2022 my XXXX score was lowered from approximate XXXX to XXXX. This was based upon Capital One ( hereinafter XXXX. ) charging my account in XXXX for {$95.00} for a yearly card fee. I was NOT notified of the charge. 

My wife and I are building a new home in Montana and I have been using various charge cards to pay for supplies and services to recieve the highest Cash Back rewards. The cards are then paid as soon as possible after notice of posting. XXXX. has very poor cash back rewards and therefore I did not use the card after XXXX of XXXX. 

Since I was not notified of the charged two late fees totaling more than {$65.00} dollars were charged and around XX/XX/2022 I was notified by XXXX. that the credit line on this account was reduced from {$10000.00} to {$5000.00}. I immediately paid the total charges and contacted contacted XXXX. to determined why I had a charge on an account I did not use. 

I was informed of the yearly fee and asked to speak to manager to receive the late fees back and to determine why I had not been notified of the charge. I was told that I as wells others had been charged and NOT notified. I did not get this individuals name and was informed they would notify the credit reporting agencies of their error of failure to notify me. I was also assured the late charges would be refunded. A case number of XXXX was assigned. 

I contacted XXXX. again on XX/XX/XXXX and spoke with another manager, namely, XXXX. She apologized profusely for their error and stated that it would take two cycles ( 30-60 ) days to rectify this matter. I was NOT able to contact XXXX or XXXX to speak to a person that might have been able to immediately correct XXXX. 's error. 

Prior to this I had recently applied for and been issued a charge card for diesel fuel. I use XXXX XXXX for monitoring only and upon checking there was the obviuos major drop in my credit score without any explanation. It has been my experience that online inquires to the credit bureaus is frought with horribly general reasons for credit score changes and severe delays. 

I can not imagine that a low credit amount on a fuel charge card would cause a XXXX  score change from excellent to good with a nearly XXXX point drop. I believe this there is nothing fair about such XXXX change. The occurence of this matter must be repaired immediately and a notation of the error be given for my XXXX score decreases. 

I am an advanced certificated paralegal. This type of error and decimation of my credit reputation is a clearly unambiguose violation of my Substantive Due Process rights under the Constitution. I am therefore considering a federal civil rights suit regarding this matter. I would appreciate any information you can provide me with. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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 this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions.

a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS account number : XXXX
Consumer complaint received 2023-08-09
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$410.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2019-11-21
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: CORELOGIC INC (TX)

1. There is a hard inquiry on my credit from a company named " Corelogic ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " XXXX XXXX ' on XX/XX/2019 XXXX
Consumer complaint received 2023-01-25
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. (PA)

My identity was stolen and used to obtain a fraudulent credit card. I have disputed this XXXX account numerous times with Equifax and it still hasnt been deleted. I Disputed this same XXXX account with XXXX and XXXX which resulted in a deletion. Equifax IS NOT doing a proper investigation AT ALL. 

I have provided proof that the account has been removed from XXXX and XXXX because it was fraudulent.
Consumer complaint received 2023-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello there, I really hope you can help me with this issue. I'm not sure who else I can turn to at this point. I called XXXX regarding my issue but they directed me to file a report to Equifax, which I did via the phone in XXXX. However I had not heard back from Equifax. When I checked online, it said that the dispute was completed. But I did not receive any information about it and my credit report did not reflect any changes. 

The content of my dispute was this. 

XXXX last year, I was having a financial hard time due to getting XXXX for XXXX weeks and I couldn't afford to pay even the minimum of my credit cards. That's when I contacted XXXX XXXX XXXX and spoke to an advisor. They advised me to get on a debt management plan and told me that they would negotiate a lower monthly payment for me. I began payments that month and made payments on time ever since. However, on my credit report, it reflects that I have late payments starting in XXXX all the way to XXXX. I was never notified of this until I saw my credit report and was very surprised. Why would I get dinged for late payments going into XXXX even though I was making payments on time? 

Below I attached a statement that proofs that I began making payments in XXXX.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (MN)

On XX/XX/XXXX, I received a letter from Steel River Systems ( SRS ) letting me know they have acquired a debt from a checking account from XXXX XXXX XXXX ( account ending XXXX ). However, I do not owe any money for this account. Back in XXXX, before I moved to Minnesota, I had a checking account with XXXX XXXX XXXX in XXXX Florida. I accidentally overdraft the account by less than a dollar, and shortly after, the bank addressed overdraft fees. 

I remembered because I was XXXX XXXX XXXX and working XXXX jobs just trying to make ends meet. As a young person of XXXX, I was trying to improve my life and I couldn't believe that a bank would charge so much in overdraft fees for how little was overdrawn. I called the bank because I was upset and wanted to resolve this and close the account before moving to Minnesota. The representative I spoke with promised they would waive the fees. I told the representative I would stop by the bank and deposit a dollar into the account to cover the overdraft amount and was told that would be waived too since the account was going to be closed. 

It has been 10 years since I moved to Minnesota, and I was promised that I did not owe anything for this account. Since then, there has not been any attempt to collect on this alleged debt. I believe the statute of limitations have expired for both Florida and Minnesota. SRS is deceiving consumers by using predatory collection practices to collect on zombie debt.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the listed account down below has violated my federal, consumer rights to privacy and confidentiality under 15 USC 1681. 
**XXXX  XXXX  Account # XXXX- Has violated my federal, consumer rights. 
1 ) 15 USC 1681 Section 602A- I have the right to Privacy 2 ) 15 USC 1681 Section 604A- A consumer reporting agency can not furnish a account without my instructions.

3 ) 15 USC 1681c. ( A ) ( 5 ) Section- No consumer reporting agency may make any consumer reports- containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes with antedates the report by more than seven years.

4 ) 15 USC 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.