davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (OH)

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 : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-15
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: Santander Consumer USA Holdings Inc. (AZ)

A Santander auto loan was already on my XXXX file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. XXXX will not remove the account from my file as I had previously disputed the dollar amount.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of tems which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX, XXXX  XXXX XXXX  : # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  : # XXXX, 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 2023-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by a XXXX clone entity which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX  account to fraudulent investment firm ( s ).
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/21 to XXXX, TransUnion, and XXXX to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, TransUnion, and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-10-29
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
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)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 

Please delete this account from my credit report. 

1. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Consumer complaint received 2022-10-20
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 XXXX  Account name- XXXX XXXX Account number- XXXX Account name- XXXX & XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX  XXXX  Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account name- XXXX  XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- 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 2022-10-20
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. (TX)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX  ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I received a new copy of my credit report a week ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX put an Account Review Inquiry on my TransUnion Credit report.
Consumer complaint received 2022-10-20
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 the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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 2022-10-20
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. (LA)

n accordance with the Fair Credit Reporting act XXXX, XXXX Account 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 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I received an alert from my credit monitoring service stating I was XXXX on a credit card. I knew this was an error as I have a 100 % payment history with all my accounts and a near perfect credit score. I logged into the service and saw it was Bank of America. I logged into my Bank of America account and saw I already had an autopay setup for the {$19.00} payment due ( total due in full ) for XX/XX/XXXX. As soon as I received the statement I logged in online and scheduled the payment. I have a XXXX XXXX line of credit with BofA and a {$19.00} balance. I immediately called Bank of America. My mind was baffled as a prime customer why I didnt receive a courtesy call and where was the statements?? I am enrolled in paperless statements and the one I received is the one I scheduled the payment for to be pulled on the due date. I did not get a paperless statement for the previous month nor a call. I was told a complaint would be submitted to upper management and the rep I spoke with had the authority to request the late reporting suppressed from my credit reporting. He told me it would take up to 30 days to update. Perfect, I thought this was resolved until I called the following weekend on XX/XX/XXXX to confirm the actions in which I was told took place was actually done. I was told by that rep that the conversation was notated but she doesnt see that the letters/dispute was entered. She consulted with a manager in which I was told she would process the request to remove the reporting and I would receive two letters via mail confirming so. I told them I was in the process of purchasing another home and how urgent this was. I was given credit bureau dispute number XXXX and XXXX # XXXX. Now on XX/XX/XXXX to date I havent received the letter I was told would be sent stating theyve sent the request to remove the 30 day reporting from my credit reports. I called and spoke with a manager XXXX who proceeded to tell me the prior information I was told was incorrect that they cant send anything to me in writing and ultimately its up to the credit bureau if they update it and the decision was not in their hands. I educated him that Bank of America is the creditor reporting and theyll update to what theyre told and he told me this wasnt the case. This leads me to believe that all that was done was a standard dispute initiated and not a request to remove the reporting due to the negligence or system error on bank of Americas side. I asked for a higher level manager as I want it removed from my credit and for them to honor what was originally told to me on the first conversation on XX/XX/XXXX. Banks need to be held accountable to the information given and I shouldnt receive multiple different information from one rep to the next. This has dropped my score down XXXX points!!
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This complaint is in reference to information on my credit report. First of all my personal information is incorrect. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX. Please delete the name " XXXX XXXX XXXX '' and the addresses " XXXX XXXX XXXX XXXX, OH, XXXX '' and " XXXX XXXX XXXX XXXX, OH XXXX '' in order to prevent identity theft and further damage to my credit report and financial reputation as this is adverse action. Also. I have never been late on the XXXX  XXXX account ( # XXXX ) Please update this account to paid as agreed. The account XXXX XXXX is a charged off account. The company filed a XXXX cancelation of debt with the IRS which means the account is gross income and not debt. INCOME IS NOT INCLUDED ON MY CREDIT REPORT. The account XXXX XXXX XXXX ( # XXXX ) is inaccurate. I was never late on this account. Please update to paid as agreed. The account XXXX XXXX XXXX ( # XXXX ) was included in a bankruptcy that I filed. It should not be present on my credit report. Please delete this account from my consumer report immediately. The account DEPT OF ED/XXXX  ( # XXXX ) is incorrect. There are many missing reporting dates in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not up to date with XXXX XXXX standards for accurate reporting. I was never late with this account in XXXX, XXXX, XXXX, and XXXX of XXXX. Please update this account to paid as agreed. Lastly, the inquiries Resident Verify, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraudulent inquiries and need to be removed immediately. I am aware that my consumer report must be accurate and your failure to properly report my information is a criminal offense. It is extortion to know that there is no money in circulation due to the Emergency Banking Act and 18 USC 8 that states all debts are obligations of the United States and still report these accounts to my credit report. Thank you for your attention to this matter.
Consumer complaint received 2021-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MA)

I had two loans totaling roughly XXXX charged off by Discover in XXXX of 2019. After talking with XXXX they agreed to place me on hardship payments. Discover neglected to tell me that the payments were only in place for three months. Discover made no attempt to contact me at any point from the end of these hardship payments. 

This XXXX, hoping to settle the balance, I called Discover. I spoke to an individual named XXXX, who informed me that Discover was willing to settle the account for a lower amount. Hoping to get the loan off of my account, I was incredibly motivated to reach an agreement. Unfortunately, Discover wanted roughly XXXX, which was more than I had at the time. I told Discover I would contact them within a week to let them know if I could make XXXX work on my end, while XXXX said she would try to get a lower settlement number. 

I since made numerous attempts to contact XXXX. Every time I was told that she was unavailable. I was hoping to specifically talk to XXXX, as me and her had built up a good report and I had had negative experiences in the past with other Discover personnel. 

Today, I again attempted to call XXXX. Instead, I was told by Discover that my debt had been sent to a collection agency with no notice. I talked to several representatives from Discover, including XXXX XXXX and her supervisor XXXX ( who was incredibly rude, arrogant and belittling ), and was told that there was nothing that could be done. 

I do not believe that Discover gave me proper notice before sending this debt to collections, and I believe that XXXX was purposefully unavailable in order to prevent me from settling the account. I am currently reaching out to whomever I can for assistance.