davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer 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
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (NY)

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 10 days to provide me with the name of the person spoken to, documentations used, signed applications with consumer wet ink signature. consumer is NOT asking for an e-oscar report. if EQUIFAX does not have documentation to show there were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQUFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-25
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed  : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXX*Balance Owed : {$660.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XXXXXXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on Transunion and XXXX.
Consumer complaint received 2023-06-07
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-04
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. (CA)

There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NY)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/XXXX, XXXX received transfer alert because I set my bank alert at {$900.00} to make sure I didn't miss any fraud in my bank account.it said {$1400.00} was being sent to XXXX. I do not know who XXXX is. when I looked back on my checking act this company has been taking money out each month since XXXX XXXX the amount not always the same it varies from XXXX to XXXX so, I called my bank Chase and ask for any information they had on where this was going. they gave me a phone number to call. XXXX. I called phone number and is a credit union. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I ask them if they could tell how i was sending this money to them and they said no My name did not show in their system at all. when I called back my bank, they said they can't give me any refunds after 60 days. that I should of notice this on my own. Andi never got an alert on my act for all of these that were over {$900.00}. My bank did give me 4 payments back. I really think they should give me all back.
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 — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NY)

I do not have an account with COMENITYCAPITAL/XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in NYC where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.
Consumer complaint received 2023-05-25
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. (CA)

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (MI)

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

1692c ( a ) - needs prior consent from either the court or the consumer before communication with the collection of any debt.

1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This can be used in many ways. And in my opinion I give one very limiting example for credit reporting 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed Aka false and misleading reporting.

1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop.

1681 ( a ) ( 4 ) - Consumers right to privacy 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Consumer complaint received 2023-06-24
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian is reporting XXXX XXXX XXXX in amount of {$500.00} ; this appears to be a duplicate account which XXXX XXXX XXXX is also attempting to collect.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (CO)

There are these deals that pop up in emails or ads asking you to fill out a survey and then you choose your free product. Well a lot of ppl such as myself that are targeted for their SSD /SSDI bcuz of our health problems. And XXXX XXXX  is utilized for pain. Well, the outfit mails you the supposedly free product of XXXX oil, which you of course enter your personal information and your bankcard for the postage. Then these ppl try to take an amount of {$110.00} from your said bank account, which most of us contest with our banks, as well as contacting this XXXX XXXX XXXX that refunds you the money yet wants you to mail back the supposedly free bottle of bogus oil. And XXXX months later then give this supposed debt to the collection company titled National Medical Administration that then begins harrassment of your person for this FAKE DEBT FOR FAKE XXXX XXXX 
These people are working under the XXXX adjective in order to pose as XXXX personnel in an attempt to collect on a supposed debt of XXXX XXXX  that more than likely you the consumer received for filling out a survey. You the consumer probably gave your personal information for postal reasons in order to get your supposedly free bottle of XXXX XXXX, which by the way is nothing but COUNTERFEITED XXXX XXXX. Then about XXXX months later they will attempt to recharge your bank card used for postage previously in the amount of {$110.00}. I was given the refund yet they attempt to get you to mail back to their fraudulent organization the " free 'XXXX  ' XXXX oil, '' and threaten that it is worth much more. Yet they sent it to you as a free product go figure. Then in about XXXX  months you get their fraudulent outfit contacting you as they did me today in an attempt to collect on their bogus XXXX oil XXXX! Might I remind my fellow consumers that in order to garnish your wages they MUST TAKE YOU THE CONSUMER TO DEBT COLLECTIONS COURT WHERE YOU THE CONSUMER MAY THEN CONTEST THE VALIDITY OF THE DEBT AND/OR COUNTERSUE FOR DAMAGES CAUSED BY THEIR PRODUCT, WHICH AS YOU WILL SEE IN THE PHOTO BELOW WHERE THEIR CBD OIL CAUSED ME PERSONAL INJURY. THIS COMPANY IS FRAUDULENT AND I CAN NOT EVEN BELIEVE THAT THE BETTER BUSINESS BUREAU IS ALLOWING THEIR " NATIONAL MEDICAL ADMINSTRATION '' OUTFIT TO DENOUNCE WHAT USED TO BE AN ORGANIZATION FOR THE BENEFIT OF US THE CONSUMERS. IT'S SICK, PLAIN SICKLY! THIS FRAUDULENT OUTFIT TARGETS THE XXXX  AND THE XXXX AS I AM BOTH!!! YOU ARE MADE TO THINK YOU ARE GETTING SOMETHING TO IMPROVE YOUR HEALTH BUT ARE ONLY GETTING SCAMMED BIG TIME!!!! SHOULD THEY CONTACT ME AGAIN THROUGH PHONE, EMAIL, TEXT, OR MAIL, I WILL THEN SUE FOR HARRASSMENT, AS WELL AS SUE FOR THE DAMAGES CAUSED ME BY THEIR COUNTERFEIT " XXXX '' XXXX!!! 
XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX