davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (GA)

I sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$390.00} XXXX XXXX I XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$390.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-13
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. (MS)

Please have the credit bureaus investigate these accounts below from my credit report that are reporting inaccurately and that does not belong to me, if it belongs to me please send in proof beyond following the guidelines in the dispute letter below so me and the CFPB can see exactly which company is reporting these items to you that doesn't have my consent to share my data.
Consumer complaint received 2017-05-16
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. (MD)

On  XXXX   XXXX ,  2017  I pulled my Credit Report I noticed on my Transunion report that I had a new hard inquiry that was submitted by  XXXX   XXXX  for something called  XXXX   XXXX   XXXX . I am in the hombuying process so I knew for a fact that I did not apply for any new credit. I called  XXXX  and was informed they would send me somehting in the mail that I never received I called them again today and was told that this error showed up on a few people reports and it had nothing to do with  XXXX  it was a Transunion error. If transunion know it 's not correct information why did'nt they correct it. My issue is that I close on the  XXXX  and now my mortgage company is asking me about a new credit inquiry that I dont have an answer for. I need them to correct this ASAP before I possibly lose my house and not have a place to stay because I did not renew my lease and this error was at no fault of my own.
Consumer complaint received 2022-12-03
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)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; MEDICAL XXXX Balance : {$170.00} ; MEDICAL XXXX Balance : {$89.00} ; MEDICAL XXXX Balance : {$50.00} ; XXXX XXXX Balance : {$74.00}.
Consumer complaint received 2023-06-26
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: CCS Financial Services, Inc. (OH)

On XX/XX/XXXX I contacted, again by phone, credit collection services/cccs collections asking them to remove the collection they posted XX/XX/XXXX to the credit reporting agencies. Told them I had been promised the debt would be removed and would be given a letter to solidify the payment made XX/XX/XXXX. After, the rep said there was nothing they could do and that it was the law to report. Then even after mentioning fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802 in brief, I was still lied to about the removal of the account. 
They have differing addresses and names... 
Credit collection service XXXX XXXX XXXX XXXX, MA XXXX ; CCS COLLECTIONS XXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX The second company, XXXX XXXX, I called in on XX/XX/XXXX about removing the late payments, ( which differ between the three credit reporting agencies ), that were reported for the year of XXXX. After explaining that I was told the late payments would be removed because a new contract was being made, ( because the old contract had expired, but notice wasn't given by any communication, yet I was still making payments until something odd online triggered me to call in ), I was informed that it was the law that they had to report it. And after speaking with a supervisor, explaining in brief fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802, that I was trying to resolve the issue by phone... I was meet with an " I'm sorry, there's nothing we can do ''.
Consumer complaint received 2022-11-30
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 Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX of XXXX  I contacted XXXX and Equifax, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Consumer complaint received 2023-03-12
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. (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 USC 1681. 
Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : 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 2023-03-12
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/2013 XXXX on XXXX XXXX XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (CA)

There's a collection on my credit report that should be removed because this is false and incorrect information as the collections company and Experian hasn't provided me the required information I requested according to the Fair Credit Reporting Act and the FDCPA to provide proof of validation in accordance with ( FCRA ), 15 U.S.C. 1681 and FCRA section 605B.

This issue has been settled with the original creditor and not the debt collection company which is illegally sharing inaccurate information and unable to validate the debt because it's been removed with the original creditor that guaranteed over the phone which Experian or the CFPB can call and verify.
Consumer complaint received 2023-07-10
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: PACIFIC PREMIER BANCORP, INC. (GA)

this credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 a section 2 a consumer reporting agency can not furnish an accurate without my written instructions.

Under 15 USCS 1666b a creditor may not treat a credit card account open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.
Consumer complaint received 2023-03-12
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. (NY)

Date : XX/XX/23 Amount : $ XXXX $ XXXX {$690.00} Action taken : Sent in multiple disputes certified mail and certified return signed receipt and didn't receive a response via mail and the certified signed receipt was not signed and not returned. On the certified mail receipt tracker shows that they received it and did not respond via mail as requested within and past 30 days. I also sent a Fraud FTC Affidavit as well.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (MD)

XX/XX/XXXX my Wisely card was stolen. XX/XX/XXXX called and had card canceled. 
Never received Statement of Fraud which I was suppose to sign. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Statement of Fraud sent. Wisely claims they sent it each time, never received. On XX/XX/XXXX I received a letter which stated investigation has been finalized, no Fraud occurred. 

I have sent three letters to dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also sent 2 emails on XX/XX/XXXX and XX/XX/XXXX and no response. 

I've been told there is no number to call that I must email and send letter through mail. 

Fraud transactions : XX/XX/XXXX {$10.00} {$40.00} {$110.00} {$230.00} {$200.00} {$160.00} {$380.00} {$200.00} {$200.00} {$200.00} {$130.00} XX/XX/XXXX {$70.00} {$200.00} {$24.00} On XX/XX/XXXX I was admitted to XXXX XXXX XXXX. My Wisely card had been stolen. All charges were made when I was in XXXX.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I need this account with XXXX XXXX and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these.

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase! 

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

After paying on time for many years, Wells Fargo mortgage encouraged me to stop making payments in order to be late and eligible for a mortgage refinance on special terms. I have all documentation of everything. The company foreclosed on my farm and house while I was out of town in another city with my family attending college.
Consumer complaint received 2022-11-30
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Consumer complaint received 2023-03-13
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. (TN)

Reporting Late payment on my report.

in accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( 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.
Consumer complaint received 2023-01-07
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. (MI)

HEY, I sent multiple letters asking XXXX, XXXX, and Equifax. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681iXXXX XXXX, XXXX XXXX and Equifax have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (IL)

FIRSTPOINT COLL RESO at XXXX XXXX XXXX XXXX, NC XXXXhas been sending me collection notices in the about of ( {$480.00} ) the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purs to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2023-03-13
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. (IL)

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 - XXXX XXXX  XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX  XXXX Account - XXXX XXXX XXXXXXXX Account - XXXX XXXX Account - XXXX XXXX Account XXXX XXXX  XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX LL XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account-XXXX  XXXX XXXX Account-XXXX  XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address XXXX : XXXX XXXX XXXX XXXX XXXX IL XXXX Address XXXX : XXXX XXXX XXXX XXXX IL XXXX Address XXXX : XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX 15 USC 1681 section 602 A states I have a 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 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. I have also filed an identity theft report with the Federal Trade Commission on XX/XX/2023 report numbers # XXXX, XXXX