davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (WI)

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 XXXXXXXX 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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Equifax clearly has violated ( FCRA ), 15 U.S.C. 1681, 623 ( a ) ( 1 ) ( B ) ( ii ). I have provided proof from the court that third-party companies were reporting which XXXX said Equifax is reporting this. There was no discharge it was dismissed because there was only a filing fee paid nothing else and they have the documents saying this. I want to reopen this and take legal action. 

I sent Equifax a bankruptcy letter, Dispute letter, and XXXX Letter stating the reporting on my credit profile was incorrect, which was sent in support of that. I sent it by certified mail on XXXX XXXX and it was signed and received by XXXX XXXX. I called the customer service line and spoke with a gentleman who gave me a very hard time that stated he had the documents but would not adhere to them. He stated I needed a deletion letter from XXXX, which inform me they never heard of such and that the consumer report given to me by XXXX was indeed the document needed.
Consumer complaint received 2022-11-15
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. (TX)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-30
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also wondering if you were familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My dispute is with XXXX XXXX I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
Consumer complaint received 2023-02-15
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: Upgrade, Inc. (CT)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXXXXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXXXXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX  XXXX Please remove from my report
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (NJ)

these settled charge off accounts are still reporting inaccurate on my experian & XXXX & XXXX these XXXX XXXX XXXXXXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-11-15
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. (TX)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-15
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)

In accordance with fair credit reporting act XXXX  accounts bellow .XXXX XXXX XXXXXXXX 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 2018-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America debit card was charged on XX/XX/2018 at XXXX XXXX XXXX XXXX for {$15.00}. I had not originally noticed the charge however the following day my account was charged again for {$230.00} from XXXX XXXX XXXX New York and {$12.00} for a Taxi XXXX XXXX XXXX. Being that I did not make these payments, I reached out to my banks fraud team. They refunded me the money however in XX/XX/2018 took back two charges for the taxi and XXXX stating since I live in New York these charges could have been possibly made by me as they are in XXXX New York. At the time of the purchases I was in XXXX on XXXX XXXX and could not have been in XXXX or at the XXXX located 30 minutes away from my job while at the same time purchasing lunch in XXXX. I explained this to them and the representative agreed and escalated the situation for further review and requested I submit a letter stating this. I heard nothing back for months while not being credited back the funds. On Friday, XX/XX/2018 my card is suddenly overdrawn. I call Bank of America again thinking a charge was once again unauthorized to find out they reversed the larger claim for {$230.00} as well stating the hair salon is also located in New York and a chip card was used for the transaction. They stated since I had the card still with me someone had to have taken the card as chips can not be duplicated. I explained to them that I did not make the charge and could not find a XXXX XXXX XXXX location in New York. They then proceeded to tell me the address to a home apartment building the charge came from which was also located 2 minutes from the XXXX XXXX. The representative looked up the location and stated they could not find a phone number or entity listing for the name charging my card. They also stated they could not put me in touch with the Bank of America investigators because they do not have a contact for them. The most they can do is put notes requesting a call and the investigators can decided on calling me back but it is not guaranteed. I have banked with Bank of America for almost 15 years and have never filed a claim with Fraud. I can't believe I can't even speak with a fraud investigator to see how they did their due diligence before denying me a claim that is obviously shady.
Consumer complaint received 2022-11-15
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. (SC)

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 XXXXXXXX # 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 2022-11-15
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. (OR)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2023-03-15
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. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and XXXX is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also 2 different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Mortgage company : Mr Cooper My home was a total loss in the XXXX XXXX XX/XX/XXXX. My insurance company submits my claim payments to Mr Cooper, who should be reimbursing me. 

My builder bills monthly. Mr Cooper asks that I submit a letter to them every month asking for an exemption to their policy of only paying out quarterly ( which I did, XX/XX/XXXX ). As of XX/XX/XXXX, they are just submitting this to their 'corporate ' to request the exception. 

I do not have funds to pay my builder. There will likely be late fees. This is unfair practice- to have a payout structure that has nothing to do with the actual business of re-building a home. 

I am requesting that Mr Cooper release payments to me in a timely fashion, so that I can pay my builder every month.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (MD)

I have # XXXX Affirm Accounts that have been active since XX/XX/XXXX. All # XXXX posted to my XXXX as XXXX Account on XX/XX/XXXX. This has caused a decrease of XXXX points. 

Due to XXXX XXXX, we are still experiencing hardship. Payments have always been made on time. 

Just last month I received my first 30 day late report that was added to all # XXXX accounts, that then was posted to my account on XX/XX/XXXX showing NO payment history for any of the # XXXX accounts. 

Shows # XXXX XXXX Accounts with a 30 day late payment. I called asking for a resolution to these accounts and why did they report to my XXXX almost a year later with no payment history listed. No response
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (IL)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2023-06-13
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I began notifying the consumer reporting agencies and secondary reporting agencies that I am an identity theft victim on XX/XX/22. Transunion and XXXX reviewed my identity theft report and removed the fraudulent items from my credit report. XXXX, XXXX, and the other reporting agencies have failed to do so. According to 15 USC 1681 c ( 2 ), a consumer reporting agency must remove and block any information from the file of a consumer that the consumer states is the result of alleged identity theft within 4 days of being notified. It has been well over 4 days. Also 15 USC 604 a 2 says that no account can be furnished on my credit file without my written permission. I have not given anyone written permission. Also, XXXX XXXX XXXX XXXX and Regions appear on my credit as charged off. To my understanding, this is illegal. The IRS considers this to be income. They are committing tax fraud. 15 USC 1681 e b is being ignored. They are reporting information that is not accurate.
Consumer complaint received 2022-12-27
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. (CA)

I had stolen my Identity and someone had made lots of Fraudulent charges from XXXX. 
I had never had authorized these transaction.. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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. (GA)

In XX/XX/XXXX and again in XX/XX/XXXX, I disputed inaccurate information on my credit report with XXXX, TransUnion and XXXX Credit Reporting Agencies. I sent letters in the mail that my name is being reported inaccurately as well as inaccurate reporting of fraudulent accounts. I provided an updated Driver 's License and Utility bill with my accurate and up-to-date information to correct my name and address. I also requested that these 3 Consumer reporting agencies to validate with proof that XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX are all fraudulent accounts and they sent me a notice via mail that the information on my consumer report has been verified without providing any proof of such verification. TransUnion and XXXX continues to report that the information in my report has been verified. Verified by who? If I am the consumer, who has authority to validate who I am?