davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 XXXXXXXX And all soft and hard inquiries removed aswell thanks. 
15 u.s.c1681 602 A right to privacy 15 u.s.c 1681604 A agency can not furnish a account without my written instruction.
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted your team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX Detective XXXXXXXX XXXX Complaint Report Number : 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have tried to dispute this matter directly with the all 3 measure reporting agencies, all of them have denied to remove correct or adjust to several derogatory items that is enabling me from making any credit purchase.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (VA)

I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus investigation.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

Comenity JCrew credit card bill comes in with a payment due date. Prominently displayed on the front of the bill is a note that states a mailed payment must be received by XXXX est at the address provided. On the due date, at XXXX est, I logged on to my online account to attempt to make payment. At that point, I was only able to schedule payment for the following day ( 1 day after due date ). On the website, I learned online payment and telephone payment cutoff time on the due date is XXXX est. I could not schedule my payment so it would be timely received. I called customer service and was advised of the policy I read online. I also learned that the XXXX est cut off time is disclosed on the bill, but it is not prominent and buried in the fine print on the back of the bill. The representation I spoke with on the phone agreed to remove the late fee ( {$40.00} ) when it is charged on XX/XX/XXXX. That is acceptable to me, however, I believe the cut off time for online payments should be prominently displayed because I believe comenity uses this policy ( much like their deferred interest plans ) in a deceptive manner that is capable and targeted to the consumer public at large. It is clearly designed to obtain late fees from customers.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-11-02
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. (GA)

I contacted the Equifax Fraud Department at XXXX about the unknown inquiries on my Credit Report. I did apply for credit or contact any of these company to obtain any credit or loans from none these company at all. I also did sign any documents for them to pull my credit file, don't known who given permission to do so. The Fraud Representative told me when talk to them on the phone, that they will remove the hard inquiries once they received the complaint from the CFPB. at the time at they don't have any Disputes at the time. but I file a complaint with the CFPB weeks ago. the hard Inquiries are listed below XXXX Card Date XX/XX/XXXX Equifax XXXX/XXXX  Date XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX DATE XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agency is required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in withdrawing the inaccurate pieces of information which were posted to my report. Here is the list of items that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I do not understand why and how the XXXX XXXX XXXX are even able to continue reporting the fraudulent accounts and information on my XXXX XXXX. On XX/XX/XXXX, I sent a dispute letter to the XXXX XXXX XXXX requesting that they investigate and remove the accounts and information from my XXXX XXXX that resulted due to fraudulent activities. However, I happen to check my updated Credit Report and was shocked to see that despite my efforts, the disputed items are still being reported. I demand the XXXX reporting Agencies to send me copies of proof of verification or any documents giving these items the rights to exist on my Credit Report. Under the protection of the Fair Credit Reporting Act section XXXX, the XXXX XXXX XXXX are required by federal law to remove the accounts and information from my Credit File that resulted due to fraudulent activity and yet the Credit Bureaus still indicated the disputed items on my Credit file without properly verifying the items ' accuracy. XXXX again, I need the following items removed completely from my Credit File without any excuse nor exception : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX. I demand the XXXX XXXX XXXX to send me copies of their so-called " investigation '', that is if they conducted any at all. In the event that the Credit Bureaus are unable to provide these documents within the time allowed by law ( XXXX XXXX  ), I expect nothing but immediate deletion of the disputed items from my XXXX XXXX.
Consumer complaint received 2022-11-02
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. (NJ)

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against Equifax for reporting unverifiable public record information to my Equifax credit report and file. The unverifiable public record account being reported by Equifax is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXXXXXX. Equifax claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable at that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Equifax claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Equifax and are now saying they can not verify the information and the US Bankruptcy Court located in XXXX is also saying that they do not verify or validate disputed information, then that means that Equifax has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Equifax refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Equifax can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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. (FL)

I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report asap that has been invalid only credit report. please review an delete the info listed. my credit profile is not accurate on all 3 platforms. this has been an ongoing issue that needs action taken to delete all information listed asap.
Consumer complaint received 2022-11-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-02
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. (TX)

I have disputed this several times with Equifax and they refuse to update to reflect the correct status on my bankruptcy. They are reporting my status as a " discharged  XXXX XXXX XXXX when it is a " Dismissed XXXX XXXX '' I have provided documentation several times, as well as they finally updated my wifes report to correct it. They did not do their diligence in contacting the State of Iowa to confirm, if they did, they would know that is was dismissed and they are reporting it incorrectly.
Consumer complaint received 2023-05-21
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. (DC)

Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX For the amount of {$8800.00} XXXX XXXX XXXX XXXX For me the amount of XXXX XXXX XXXX XXXX For the amount of XXXX XXXX XXXX XXXX XXXX For the amount of {$330.00} XXXX XXXX XXXX XXXX For the amount of {$1000.00} XXXX XXXX XXXX  For the amount of {$1000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2017-09-08
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. (WA)

Equifax mishandled millions of SSNs, credit card numbers, DOBs, and other personal information for almost half of the United States. After learning about their security breach, they waited almost two months before telling the public, and a few of the executives sold stock before even announcing the events publicly. Additionally, the way EquiFax decided to handle the situation was to provide a free 1 year monitoring of each customer 's information, even though many of these breaches will yield a lifelong threat against identity theft.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2017-09-08
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)

This complaint is being filed in response to the discovery that my information was likely among those compromised in the Equifax data breach that recently occurred. 

I discovered this breach on Friday XXXX/XXXX/XXXX and placed a freeze on my credit immediately thereafter. I 'm waiting to hear about next steps and have contacted my bank to establish next best steps.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : 1. XXXX ACCOUNT # XXXX 2. XXXX XXXXXXXX XXXX  # XXXX ACCOUNT # XXXX 3.XXXX XXXX XXXX ACCOUNT # XXXXX 4. XXXX ACCOUNT # XXXX 5. XXXX XXXX ACCOUNT # XXXX 6. XXXX XXXX ACCOUNT # XXXX 7.XXXX XXXX XXXX  ACCOUNT # XXXX 8. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.