davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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)

On XX/XX/2023 I sent letters to XXXX ( tracking number # XXXX ), XXXX ( tracking number # XXXX ) and Equifax ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-26
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. (OH)

On XX/XX/2023 I sent letters to XXXX ( tracking number # XXXX ), Transunion ( tracking number # XXXX ) and XXXX ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$250.00}
Consumer complaint received 2023-05-26
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-26
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Thank you for reading my complaint. 

When I was buying a plane from XXXX XXXX website, I saw a button to apply for XXXX XXXX credit, powered by AMEX platinum. The ads said it's instance apply and install paying and I can use the new credit card to pay for my XXXX plane ticket. The credit card does come with a membership fee but I thought it worth it since I was purchasing a XXXX plane ticket. 

However, the website froze as I clicked the button. I received an email saying applying succeeded but I still can't the purchase the plane ticket. I called AMEX and they said the new account department was closed. I called the next day to AMEX and they said I can't use the instant card to pay for my plane ticket. I have to wait for my new card. 

I ended up paying for the plane ticket with another card. I called AMEX and XXXX later on. AMEX said I won't get the reimbursement, have to pay for the card membership. XXXX said I can't cancel the previous payment and use my new card to pay. 

Because it's the website froze, technical problem, I think either XXXX should switch the payment to AMEX or AMEX should return the reimbursement as it said on the website.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MS)

Yes I submitted a dispute on XXXX XXXX dispute amount {$400.00} the transaction happened on XX/XX/XXXX as soon as I noticed the unauthorized transaction i immediately reported it fraudulent charges on my account. I was told to wait till they were posted I then waited to XX/XX/XXXX XXXX contacted them again and reported the charges? My phone was stolen cards were stolen and account & XXXX account was hacked yes I did provide them with all the support evidence to support this claim. Today XXXX XXXX I was told I was denied when I had more than enough evidence showing I did not make those transactions. I know no one by the name XXXX XXXX XXXX  they are the people who stole, hacked my account & phone
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (LA)

i receive a notice from my credit reporting account about a negative item inwhich is reporting inaccurate information from XXXX XXXX XXXX XXXX  so i sent them a letter to validate and send the information that i requested bearing my signature on XX/XX/2020 and hasn't heard from them yet
Consumer complaint received 2020-12-15
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)

On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

Was not XXXX XXXX obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using XXXX XXXX hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX credit cards to the amount of over {$40000.00}! This funds ent to a fake XXXX credit card account! 

XXXX XXXX NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XX/XX/XXXX/XX/XX/XXXX I became XXXX  and sent a claim into XXXX XXXX to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/XXXX ) I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at XXXX XXXX or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # 3,000.00! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake XXXX card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! XXXX XXXX has been ordered by several federal court to stop setting up fake accounts in class action law suites! 

I can not get credit with the only credit card the did not ler XXXX XXXX steal from ME!!!
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate 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 XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I am being called by Portfolio Recovery at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want Portfolio Recovery to STOP calling me at al, much less 5 times a day from 5 different numbers!
Consumer complaint received 2020-12-15
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (NC)

I really need my student loan activity looked into. The loan shouldn't be in my report, and it's showing that I paid my payments for the past three months. I haven't signed up for anything, or made any arrangements with anyone. So these payments are being falsely reported to keep these accounts open, and affecting my report. There should be laws prohibiting this type of activity.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is ridiculous! I contacted Experian over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am XXXX 37yrs lost my career due to an XXXX spouse. Try to live on Social Security XXXX and alimony. An individual filed a suit that I owed her money in a large amount XXXX. I only know the women from a ex spouse she called me asking for medical advice during my ugly divorce. The spouse brought me back from the XXXX XXXX Against Medical Advice caused the loss of my XXXX that maintain life. XXXX XXXX called me the week he brought me back asking for medical advice. She has XXXX issues and was XXXX  so I had to help. I put together a medical team at XXXX XXXX XXXX for her. During the divorce because of my medical condition causing a high comorbidity could not buy medicine or food. She called the XXXX she did give me a gift. Then the harassment started I had to tell her I could not help her anymore. If I would not answer my phone between XXXX and XXXX she would call the police for a well check to come wake me up. The police even woke up my neighbors told they where going to kick my door down. Then a suit was filed at a large amount for the gift. I am on social security XXXX and alimony. Bank of America has my accounts locked up can not buy meds or food and are taking multi amounts out of my accounts now showing XXXX on the alimony account and XXXX in my social security account not allowing me access to XXXX payments. Was not severed anything from an attorney or notified from the bank this was happening my money was just taken without warning. Now I have 8 security cameras due to the abusive spouse and attack dogs property fully fenced so I was serviced not a thing did not know of any court dates. I could not have gone anyway I have had 7 XXXX due to my medical condition and can not drive a car. Even placed on Adult Protective Services due to the abuse of the spouse. My state worker thinks since they are good friends this is still part of the abuse. XXXX XXXX XXXX even gave her the account numbers.
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past Ohios 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (VA)

FBNO accessed my credit report when I applied for a card. Then they sent me a letter demanding copies of my drivers license, a signed copy of my SSN card, and two years worth of W2s or 1099s. When I called them, they refused to explain why they needed those documents. Why would they? I have NEVER had any credit card company ask for those items.