davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (NY)

XXXX XXXX - XXXXXXXX XXXX 12 POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-10-23
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: SYNCHRONY FINANCIAL (IL)

XXXX XXXX had notified me on XX/XX/22 that I had a hard inquiry ( for a new card apparently ) from Synchrony Bank out of XXXX, Florida that I did not make of never even heard of prior to this incident. I contacted the company during my lunch break the following day on XX/XX/22 & I spoke to two representatives & they said they can only access that account with either my account number ( which I dont have with them ) or the last 4 digits of my social security number, which I refuse to give them since I dont trust them with that info.
Consumer complaint received 2022-11-03
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)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22 and XX/XX/22, I contacted the credit reporting agency TransUnion regarding inquiries for a company that I have not authorized nor do I have an open account with. TransUnion stated that the items will be removed from my report and I will have written correspondences sent to me. As of today, I have not received any information regarding my disputes, and feel that I am being ignored.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ( Original Creditor : XXXX XXXX XXXX  ) Account number : 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.
Consumer complaint received 2023-07-31
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. (NC)

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.

has violated 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 2023-09-05
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. (IL)

I have had a credit card account with XXXX XXXX XXXX XXXX XXXX for several years. In the past, I fell behind on payments, so the account was closed. I still continued to make my monthly payments. XXXX XX/XX/XXXX, I made XXXX payments. One for XX/XX/XXXX and XXXX for XX/XX/XXXX. Because I paid before their bill cycle date, XXXX XXXX XXXX counted both payments as XX/XX/XXXX and when I did not pay XX/XX/XXXX, it was always late and I was not aware of it. Because of this discrepancy, I ended up getting a 30 day late mark on my credit report in XX/XX/XXXX. I have explained the situation to XXXX XXXX XXXX and they know where the problem occurred but will not change my credit information. This is completely unfair. I have documents showing all of the payments I made and I provided them to XXXX XXXX XXXX.
Consumer complaint received 2022-10-24
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. (NJ)

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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-29
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-24
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

So Bank of America has accounts that was fraudulent in my name with my social security that was not me. The amount of XXXX and the other account was XXXX that was open on XXXX I did go to the fraud department and they gave me claim number now I have to wait 3-5 days for the forms to fill out.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (MO)

I received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX  XXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX : XXXX  Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus XXXX XXXX, Experian XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-11-03
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. (MO)

I received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX  XXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX : XXXX XXXX Account number : XXXX XXXX : XXXX Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus XXXX XXXX, XXXX XXXX Equifax have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-11-03
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. (MO)

I received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX XXXXXXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX : XXXX XXXX  Account number : XXXX XXXX : XXXX Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus Trans Union, XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (FL)

After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX XXXX Equifax XXXX Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. Please remove all of these hard inquiries.
Consumer complaint received 2022-10-24
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. (GA)

This Is XXXX XXXX and I am submitting this CFPB Complaint in response to your recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. YOU ARE REPORTING A DELETED ACCOUNT AND INFORMATION FROM THE OTHER CREDIT BUREAUS. UNDER THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING MUST BE ACCURATE. Please conduct another investigation into the items below : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-22
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: U.S. BANCORP (MA)

From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, Elan Financial Services effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with Elan Financial Services.
Consumer complaint received 2022-11-02
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. (NV)

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 XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX Acct XXXX XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # 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 2022-10-24
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. (MA)

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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.