davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc. (AL)

N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-19
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-07
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. (NY)

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. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-05-19
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. (NC)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Consumer complaint received 2024-03-20
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. (TX)

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.

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 2023-01-27
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)

I discovered that 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$79.00} XXXX XXXX XXXXXXXX Balance Owed : {$26.00}
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

Over the past few days I have been involved with my credit report and noticed that there was a collection on my report that I am not aware of. I called the original creditor to get more information on this debt, and the information that was provided was not accurate. I also looked up the creditor online and noticed that this creditor is located in XXXX  FL, where I have never been. I also noticed that this hospital debt is a HIPPA violation even if the debt does not belong to me. I have never been to XXXX XXXX XXXX  nor do I owe XXXX XXXX XXXX any debts.
Consumer complaint received 2017-11-08
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. (GA)

I filed a dispute with Experian about account number XXXX reported by the XXXX XXXX XXXXXXXX XXXX.in a amount of {$880.00}. I told Experian that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was scammed out of {$2100.00}. A scammer posed as an employer XXXX XXXX XXXX XXXX XXXX XXXX on XXXX which looked completely legit using a real business. I applied for the remote/work-from-home position, the fake employer reached out days later to schedule an interview. I interviewed XXXX XXXX XXXX XXXX XXXX XXXX and accepted a job offer and even signed an employment contract with the business. The employer then advised that my work materials like a computer, monitors, docking station and printer are funded through a contract with their insurance company that provides health benefits for the company. The employer said the insurance company XXXX XXXX will send me a check for the amount of the items, and I am to deposit the check which I did for {$2100.00}. I didn't think much of it as from my understanding this was a XXXX XXXX XXXX XXXX, and I haven't applied for a job in over a decade. Once the check hit my account and cleared which it did on XX/XX/XXXX, I was then to transfer money to ( 2 ) individuals via XXXX which I did. I was provided their names and email addresses for the transfer. The two individuals were the supposed vendors that supplied the computer etc. I figured this was just part of their process since again they are a small company and I have never applied for a remote position before. I didn't know what to expect. After transferring the money as directed, come to find out that the check from XXXX XXXX that was provided to me was returned on XX/XX/XXXX, and the bank XXXX Bank of America ) took the funds out of my account to cover the returned check. I have ALL documentation, XXXX conversation, emails, etc from this scammer. I placed a claim with Bank of America on XXXX XXXX XXXX XXXX that was denied. I also reported the scammer to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # 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 XXXXt # XXXX has violated my rights. 
15 U.S.C. 1681 section 602a states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction to do so.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

WELLS FARGO BANK ACCT # XXXX they are breaking Federal law. I've reached out regrading this matter multiple time. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states : the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Wells Fargo is violating my consumer rights.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these accounts shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (NC)

I am a victim of identity fraud. I have been requesting TransUnion to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. TransUnion has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in XXXX. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to TransUnion along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my TransUnion!
Consumer complaint received 2024-03-20
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. (MS)

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.

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 XXXX 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 2024-03-19
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. (AL)

I submitted several requests including an affidavit proving Identity Theft to Equifax and XXXX to delete XXXX XXXX XXXX from my consumer report. My personal information has been breached at all 3 credit reporting bureaus and the only bureau that removed the inaccuracy was XXXX. Equifax and XXXX have failed in their duty to report 100 % ACCURATE information.
Consumer complaint received 2023-03-02
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. (TX)

I reached out to the Bureaus on : XX/XX/XXXX because I saw an error on my credit report regarding account XXXX. This is an account that belongs to XXXX XXXX XXXX XXXX problem with this account is a representative and I had a phone call on XX/XX/XXXX to settle this account where I agreed to pay the complete balance in exchange that they would delete all negative information regarding this account. The agent agreed to it so I made a complete full payment. I didn't follow up with them believing that the matter was resolved. However, I saw my credit report XX/XX/XXXX where the Bureaus is still allowing this account to remain on my credit profile. I also followed up with XXXX XXXX XXXX about this account to see what was going on. They sent me a letter explaining that the account was placed with " XXXX XXXX XXXX '' XX/XX/XXXX because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. One of the problems with this is my credit report Reflects XXXX XXXX XXXX XXXX having this account from the time the account was opened XX/XX/XXXX until present time. According to the letter that XXXXXXXX XXXX sent me. This is untrue. I have the right to a credit report this is 100 % accurate. If this account was indeed placed with XXXX XXXX XXXX in XX/XX/XXXX then this account should reflect that on my credit report. It doesn't. According to my Credit Report XXXX had this account from the time it was opened to present time. This is inaccurate account according to XXXX they didn't have this account beginning XX/XX/XXXX. However, the Bureaus continue to allow this account to be on my Credit Profile as " accurate '' and " verified ''. The second problem with this account is the FDCPA has a guideline for companies to follow when attempt to collect debts that are owed. This company not only violated my right by sending this account to a third party company that I wasn't informed of but violated sections 805, 807, 808, and 809. A company can not use deceptive means to get collect a debt which is what XXXX and XXXX XXXX was using. In the letter XXXX sent me I was talking with XXXX XXXX about this account where the agreement was made that they would remove all negative information regarding this account instead of XXXX this is why XXXX can't find the call. However I knew nothing about speaking with a third party. In addition This account isn't verified, it isn't accurate, and needs to be removed Immediately. I will be including the letter I received from XXXX which shows this account is embezzled. This needs to be removed IMMEDAITELY.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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