davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (GA)

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

The referenced item was previously deleted and REINSERTED and needs to be deleted once more before I seek to take legal action. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XX/XX/XXXX, should be also deleted since it is seven years old. XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/>These XXXX accounts below on my Transunion are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and Transunion I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/>XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>XXXX XXXX XXXX account - Opened XX/XX/XXXX, is paid in full.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. X/X/17- {$4400.00} X/X/17- {$800.00}, {$5200.00}, {$1000.00} Copy of correspondence with the bank is enclosed.
Consumer complaint received 2017-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (WA)

THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Resource Systems, Inc (CA)

Despite the merchants on printed words online and there own quote of the debt this sleepy debt company is trying to collect an amount not owed and as usual jack the price up 300 percent from what the merchant first falsely claimed. How long will we let this company go on Interpreting their own version of medical paperwork and practicing law without a license. This shady business continues to change his name in order to avoid the compile complaints were doing the same thing, extortion
Consumer complaint received 2017-11-14
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. (FL)

Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months
Consumer complaint received 2023-02-14
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. (UT)

I XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them removed.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I have minimum balance on XX/XX/XXXX and paid Shortage on that time.I Missing Money Base on Statements and project Escrow Account Activity from XX/XX/XXXX to XXXX XXXX Missing Money from my Escrow Balance
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TN)

I ORIGIN THIS DEBT WITH XXXX XXXX WHICH I HAD BEEN IN TOUCH WITH XXXX  DISPUTING THE AMOUNT AFTER COMING TO AND AGREEMENT OF AN AMOUNT THEY THEN SOLD IT TO A COLLECTION AGENY XXXX THE NAME OF ANFI AND I HAVE SENT LETTERS TO THEM ASKING THAT THEY VALIDATE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT. IT IS LISTED ON CREDIT AS AFNI INC ( ORIGINAL CREDITOR : XXXX ) IN COLLECTION AS DEROGATORY, DATE OPEN XXXX FOR {$1200.00} LAST REPORTED XX/XX/2020 DATE LAST ACTIVE XX/XX/2020 WHICH THE OPEN DATE AND DATE LAST ACTIVE THE SAME
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (AR)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-05-28
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: TD BANK US HOLDING COMPANY (NC)

I Have repeatedly attempted to settle debts that I incurred as a result of Covid and malice. However, TD Bank has miss reported my agreement with them and after XXXX XXXXXXXX they put me through this is reprehensible. 
I settled the debt and mt credit needs to reflect that. 

Also ALL credit companies working on behave of XXXXXXXX XXXX refuse to deal with me. 
LAst week, XXXX said they would follow up, and nothing. Please help me.
Consumer complaint received 2023-04-16
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. (AZ)

Transunion is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Transunion commissioner # XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX I will be filling form 211 treasury omb forms to audit consumer account. Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2023-07-05
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. (TX)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4.The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-02-14
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. (NJ)

To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? NO, I did not.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, you have violated 15 USC 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 2023-04-16
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. (CT)

XXXX XXXX sent you guys a response and said to remove this inquiry from my report but transunion still has it there it should have been removed back in XXXX
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank incorrectly reported that I had a delinquent overdue fee on my credit card. But they know that is incorrect! As Barclays Bank can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with Barclays Bank! As documented in Barclays case number XXXX of my account number XXXX it was always Barclays Bank 's mistake to report incorrectly that my account was deliquent or overdue on fees. Barclay 's bank then reported incorrectly that I had an overdue/deliquent payment to all the credit agencies ( XXXX, XXXX, XXXX ) XXXX 

Barclays needs to fix this mistake by communicating to XXXX, XXXX, XXXX that I never had a deliquent or overdue fee. It was all Barclays fault.
Consumer complaint received 2022-11-05
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. (CA)

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 XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account 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 2023-05-12
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: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (IL)

I am a natural person. I am a living human being. I have right under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account list below to be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX