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

In accordance with the Fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXl : # XXXX XXXX XXXXXXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  XXXX Balance : {$2800.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-11-09
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: Bread Financial Holdings, Inc. (NC)

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat ant on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

on XXXX the XXXX i was in XXXX XXXX with my father on a visit. On my way to the airport we stopped to get food and the car was broken into and my bags where taken along with my fathers belongings. The police was called and a report was taken. On XXXX the XXXX i receive a text message from my father phone it said for me to deposit two checks he was sending me to replace my XXXX  watch XXXX computer and text books for school and another to pay my semester that i owed. I was surprised he had sent me over the amount i needed and i text him. He replied for me to quick pay him thorough zelle XXXX to return some of the money back which i did. After a two days the first check bounced i called my bank and they informed me it was an unauthorized check. I immediately contacted my father at my grandmothers house where he informed me he had never sent the check and that he had not recovered his phone. I was advised from zelle and my bank to file a report.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

I see a couple inquiries on my credit report, I call them they don't want to show me prouve that I applied for anything, and I called experian to dispute they makes it even harder to get a dispute.
Consumer complaint received 2022-11-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureau 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 a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and Equifax 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Consumer complaint received 2022-11-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureau 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 a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and Equifax 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 ( XXXX ), 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-06-18
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. (GA)

This complaint is proffered against XXXX, XXXX, and Equifax for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and XXXX report high balance for this account as XXXX. Equifax reports high balance as XXXX. Both can't be correct. XXXX. All 3 bureaus report a different date of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All three can't be correct. XXXX. XXXX and Equifax reports are missing Date account was closed. XXXX. Both XXXX and XXXX report Date of last payment as XXXX. Contrary, Equifax reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. XXXX and Equifax both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. XXXX and Equifax both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both XXXX and Equifax are missing last date verified. XXXX. XXXX report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both XXXX and Equifax payment history completely differ. XXXX shows in XXXX of XXXX account was o.k.. Equifax shows in May XXXX day late. XXXX shows XXXX day late in XXXX of XXXX and Equifax shows XXXX days late in XXXX of XXXX. XXXX shows XXXX days late in XXXX of XXXX and Equifax shows XXXX days late in XXXX. XXXX shows XXXX days late in XXXX Equifax shows XXXX  days late. All mismatched information.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I was the victim and I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. 
I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX dismissed Reference # : XXXX PLEASE DELETE!! TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

XXXX only allowed us to borrow from XXXX and if we did n't then we could n't attend unless we had the cash up front or a private loan from a bank, and since my cosigner was my grandfather that was n't an option, after he died I had a harder and harder time getting loans or help from them while I was an XXXX. I then found out I was being evicted and part of the eviction was my loans did n't go through and so there was no money for the on campus housing I was living in since I started. They said I had 48 hours to get out or they 'd change the locks and I 'd be charged. with interest I owe around XXXX dollars, yes XXXX dollars for something that I did n't even get to graduate from. They never wanted to work with me and would harass me and my parents from XXXX to XXXX everyday. They would call my job and say things, like " WE KNOW SHE 'S THERE PUT HER ON THE PHONE! '' My manager had to tell them to stop calling and harassing me since I never have them my number and they call up to five times a day. They would ask me why my parents could n't help me, who at the time lost their house to XXXX from foreclosure, why could n't I just get another full time job and that at this rate I 'll never pay it off. There were times my mom literally got of the phone with them in tears because of how they treated and berated her for having no money all the while the school and the company said nothing about being a private profit school and loan company. My credit is ruined. I ca n't even get any credit cards to try and build it back up, and I still live with my parents at XXXX because I ca n't get any help or financial help from anyone. Now I 'm expected to pay back XXXX dollars on a predatory loan company that I get no help or loan forgiveness. I even had a women tell me well you could just sell your stuff, do you really need a cell phone ( no land line at my house ) and ca n't you just give your animals to someone. then she proceeded to tell me to just XXXX and try to figure it out because since I owe so much they 'll just take me to court and I could have the possibility of going to jail. 
XXXX is one big scam. They got a pay out and we 're still stuck paying on loans they as a company got forgiven for. They are predatory and aggressive and have no intentions of helping or forgiving the the loans that they knew you could never pay back with the interest rates higher than XXXX XXXX. This company literally ruined my life as an adult because I can do nothing, but deal with it and still live with my parents until they die because I ca n't go or afford anywhere else even with a full time job. They actually made me hate my major and what I went to college for. I have n't picked up a camera or done anything with my major since being forced to drop out after the school said I owed XXXX to be current. I wrote them a check out of a settlement I had when I was younger from an accident. They took the check cashed it then said I still owed them thousands more and I have to leave.
Consumer complaint received 2022-11-08
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. (NV)

All inquires submitted below are a result of identity theft. I recently discovered through my new monitoring service them being reported I made efforts to remove these accounts from my file as they do not belong to me. All inquiry accounts were a result of fraud an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

INQUIRIES : 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 2022-11-08
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit Reporting act XXXX, XXXX XXXX XXXX  Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX, XXXX XXXX XXXX Acct # XXXX balance 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 agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft which involves several banking institutions Wells Fargo acct. XXXX XXXX. Reported as account abuse to XXXX XXXXXXXX. As well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for acct abuse as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reported to XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions (GA)

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-08
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 (NY)

I had received money from a tenant for the XXXX program. I am a woman close to XXXX XXXX XXXX  so I rarely spend any of my money as Ive been saving up for years. I got this new bank account specifically for the purpose of cashing this. Check and having some savings. I went in after about a month and a half of not checking my account only to see that close to {$5000.00} had been stolen from me through multiple small XXXX XXXX made transactions. I dont use that service. I put it in a claim to get my money back from XXXX XXXX but Bank of America denied my claim with no proper reasoning.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX