davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (NC)

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor ( XXXX XXXX XXXX has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. I have attached additional documents that show discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Account numbers Inconsistent Credit Limits Inconsistent Derogatory Remarks of alleged late payments
Consumer complaint received 2023-06-02
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. (AZ)

I am writing to dispute certain inquiries listed on my credit reports. My name is XXXX XXXX XXXX, and my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX As a consumer, I am requesting the removal of these unauthorized and erroneous inquiries from my credit files, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable Federal Trade Commission ( FTC ) laws. 

Upon reviewing my credit reports obtained from XXXX, Equifax, and XXXX, I have discovered multiple inquiries that are negatively affecting my creditworthiness. It is essential that these inquiries are thoroughly investigated and removed, ensuring compliance with the Metro 2 guidelines for accurate credit reporting. 

The following unauthorized inquiries are to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request a thorough investigation into the legitimacy and accuracy of these inquiries. If they are found to be unauthorized or inaccurate, I request their immediate removal from my credit reports, as mandated by the FCRA. 

Furthermore, I kindly ask for written confirmation of the removal of the disputed inquiries from my credit reports. It is crucial to update my credit reports accordingly and ensure future compliance with the Metro 2 guidelines to prevent any future inaccuracies. 

As per the FCRA, I request copies of the updated credit reports reflecting the removal of the disputed inquiries to be sent to the address provided above. 

Please consider this inquiry dispute letter as an official and time-sensitive request for investigation and resolution. Failure to comply with the FCRA and the FTC guidelines may result in further actions to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the improvement of my credit reports. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax makes it IMPOSSIBLE for me to log in, as they are using an address that I have never lived at before as part of my " validation ''. I've opened disputes in the past, but as far as I know there is no way for me to actually log into their website.
Consumer complaint received 2023-06-02
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. (OH)

The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX  account # XXXX ), has violated several of my rights.

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency Conor furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-02-02
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. (AL)

Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Consumer complaint received 2021-07-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 2023-06-02
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. (FL)

I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit
Consumer complaint received 2023-06-02
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. (IL)

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a chase check for {$5000.00} from my father into my chase savings account. It said it would take one additional day to process because XXXX XX/XX/2022 was a holiday. On the XXXX of XX/XX/2022 there was a hold placed on it. They said he needed to confirm his identity via phone. He did this 5 times. I went to a branch and they tried to sort it out, saying that the hold on the check and restriction on my account would be lifted within XXXX minutes. XXXX hours later it was not. I went back and they aaid I was in queue to get the restriction lifted. I called and they then said my father needdd to go in oerson to verify his idenity. They XXXX  said this to me. On XXXX XXXX the funds were released and I initiated a transfer to take them out, which they said would be deposited XXXX XXXX XXXX they canceled it without notice. I went back to the branch and they said my father still needed to go in. He did. There is still a restriction on my account.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

Between XXXX thru XXXX well Fargo held a check over the extended period released funds without out my knowledge then funds disappeared for XXXX XXXX then account was deemed fraudulent attempted to resolve multiple occasions
Consumer complaint received 2023-02-02
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. (AL)

Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, XXXX being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate after modifications. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are still not accurate. XXXX  Loan XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX  of XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting 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 ) ( a ) 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 2023-05-30
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. (AZ)

I have been having identity theft on my credit reports I been disputing them. N telling them I want original contract and that it's fraud and it doesn't take it off it says accurate when it's not. I didn't even have that address it says I lived at and it still won't take it off.

Also I had a freeze on my credit yet it kept putting stuff that I didn't do on my report even inquiries pls help me
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I applied and was approved for a Capital One SavorOne card on XX/XX/2019. While I was approved for the card there was a specific feature of the card ( 0 % intro interest rate for 15 months ) that was advertised but removed from the offer. I was not informed that this was a variable part of the offer, my belief based on advertising and the terms of the card at application that this introduction rate would be part of the card if I was approved for the card. 

I called capital one and indicated to them my issue, they points to this line in their Terms and Conditions as reason for removing that specific feature within the overall offer : " With respect to this offer, I acknowledge that : I am not obligated to accept the card or pay any fee or charge unless I use this card. 
Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards. '' " This offer '' seems to indicate the entire Credit Card offer being able to be declined or accepted, it does not indicate anywhere in the terms and conditions that specific features of the card or offers of the card could be removed but the card could still be accepted. Had I know this I would not have applied for this card to begin with. This is further supported by the fact that things that are variable ( the overall interest rate, and the credit limit are advertised as variable and not set in stone ). 

Thanks
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXXXXXX XXXX continues to have major issues with its computer systems that result in customer inability to access account information and make payments. The system outages are frequent and impact the automated phone system the online system, and the easy pay system. Theres also a great possibility that our information is not secure during these outages. This happened in XX/XX/2022. And again today in XX/XX/2022. They also are not updating credit reports timely with balance information.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 1666B " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Consumer complaint received 2023-05-30
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 was told by a creditor directly that they can not verify my old debt account, and they implored me to dispute it through Experian and that the dispute should drop the report because there is no way the account can be verified. We spoke directly to several managers at XXXX XXXX and XXXXhey were very nice, and helpful to the point where they did inform me to dispute it, and that they would make a notation, and when the dispute came through it would be a non-verified. Lo and behold, Experian claims they verified and updated it. I don't beleive they did. How coule they when my direct correspondence with the creditor could not verify it? I don't believe Experian verified this account, even though they said they did.