davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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 (NC)

My social media was hacked, and my XXXX  was hacked as well. My Bank of America account was connected to my XXXX  at the time and the my personal information was compromised. I then in return tried to go through the merchant ( XXXX XXXX ) to get my money back and after months of no progress, I went through my bank. 
I was told false information, repeatedly and Bank of America broke, rules and regulations by not following guidelines with their policies, which in return lead to unethical practices and they should be held accountable for lying on noted documents and to the customer ( ME ).
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with XXXX they will not help you with the matter they want you to pay for something that does not belong to you.
Consumer complaint received 2023-07-27
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-05-03
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. (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, 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.

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 2022-12-02
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 of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX  XXXX XXXX XXXX XXXX XXXX an XXXX XXXX I am trying to get corrected
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2022-12-02
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. (PA)

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 U.S.C 1681. 

XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF ED/XXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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 2018-04-23
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. (IL)

My information was part of the Equifax and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Consumer complaint received 2022-12-13
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. (MO)

I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.
Consumer complaint received 2022-11-23
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX 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 UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( Transunion, XXXX, and XXXX ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.
Consumer complaint received 2021-07-02
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NC)

I had a XXXX XXXX XXXX Store Credit Card account XXXX XXXX XXXX XXXX signed up originally in XX/XX/XXXX. There was a Store nearby that recently shut down hence we almost stopped going to any XXXX XXXX XXXX. But surprisingly, I started receiving {$24.00} bills every month stating " XXXX   credit report charge '' which initially I did not understand what was happening so I called XXXX XXXX XXXX XXXX XXXX number and said the charges are not authorized by me. They filed a dispute and I received a letter on XX/XX/XXXX asking me to wait for decision and the fraudulent activity happening to my account. They said they closed the account and asked me to sign a document to start investigation ( which I sent the next day ) ; telephone number in the XXXX XXXX letter dated XX/XX/XXXX was XXXX. On the same day I received a letter stating closure of XXXX account # XXXX dated XX/XX/XXXX. To my surprise there was another Bill posted  with transaction date XX/XX/XXXX that came from XXXX XXXX/XXXX XXXX XXXX  for an amount of {$25.00} even after closing the card. Most interestingly, the account has a number XXXX XXXX XXXX XXXX ( completely unknown to me ). Upon calling the Telephone number listed in the XXXX XXXX XXXX statement XXXX I was told someone opened this new account for me and transferred the old XXXX balance of {$24.00} and added some fees to make a total of {$25.00} and I got to pay this amount by XX/XX/XXXX. Upon telling one XXXX XXXX that it is NOT my account she said OK I will waive the charges and request for closing this account. I seriously think there is some identity theft and fraudulent activity happening with this XXXX XXXX. Please take some action to find out and solve the problem.
Consumer complaint received 2022-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-27
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. (NJ)

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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, told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-07-27
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)

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 2024-03-11
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. (TN)

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  Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-12-02
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. (NY)

A personal loan was fraudulently taken out in my name in XX/XX/2022 from XXXX XXXX XXXX. I attempted to contact the company but had no success with the phone number on the report. I disputed the personal loan with all three credit reporting agencies. All three came back with the result that the loan was verified as mine, however the loan balance was then brought down to {$0.00} and the account was closed. The loan is still on all three credit reports and has a derogatory mark of payment being 30 days late. I want this to be completely removed from all three reports as it was opened fraudulently.
Consumer complaint received 2018-04-23
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have tried to tell each credit bureau that my collections accounts are identity theft and fraud it has caused me alot of issues getting credit and nothing has been updated. I feel like i have been treated differently due to that incorrect information because the incorrect information that keeps being reported. I have filed claim with attorney general and fair act reporting agency.
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (NY)

I am reporting a debt collector that I have reported several times in the past. The name of the company is Enhanced Recovery and the last time they called it today,  XXXX   XXXX , at  XXXX . The telephone number is  XXXX . They have been calling for years and they never leave a voicemail message. I have talked wi th one of thei r representatives and told them to stop calling.
Consumer complaint received 2022-12-02
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. (CT)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.