davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NY)

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 2024-03-26
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. (NY)

I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX  ) & ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible : XXXX XXXX
Consumer complaint received 2021-05-15
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. (NY)

Im a victim of identity theft, I have gone through all the proper channels and notified all the proper authorities regarding this. Bank accounts and auto loans have been taken out in my name without my knowledge or authorization. Credit cards applications have been submitted in my name resulting in numerous of hard inquiries on my credit reports. Ive tried disputing these issues with Equifax Ive sent letters and filed disputes online multiple times regarding the auto loan they keep reporting but they give little to no response all they say is verified then when I ask for information pertaining to their investigation that the law states Im entitled to I get completely ignored. They have not provided the correspondence of the people they spoke to during their so called investigation. Ive asked for the names and addresses and the phone numbers of the people they spoke to Ive asked for any documents pertaining to the auto loan, all I get is verified .On top of that issue multiple inquiries were done on equifax credit report Ive called and sent letters with the FTC reports I filed also the police report complaint number from the police report I did to dispute those inquiries and their response was inquiries are factual. If Im a victim of identity theft how are the inquiries fact. They are incompetent and dumber then a bag of rocks with a response like that, just recently more inquiries were done on my equifax credit report. I called the police again and did another FTC report and when I notified them they gave me the same response inquiries are fact. It was then that I made up my mind and just do what my attorney has been clamoring to do since they supposedly verified the auto loan. My attorney is getting the necessary paperwork to file a lawsuit against equifax in a court of competent jurisdiction. Im filing this complaint because I want the United States government and its citizens to know that equifax has shown its incompetence with that data breach they had and they are law breakers who have no respect for consumers of the United States and this is a company trusted with the data on millions of Americans.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that are inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The Credit Bureaus ' current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If the Credit Bureaus can not ensure the accuracy of the information the Credit Bureaus are reporting, the Credit Bureaus must correct the accounts immediately. I demand that the Credit Bureaus take swift action to correct this matter, as any further delay or negligence will not be tolerated. I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}
Consumer complaint received 2021-05-14
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. (NY)

( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is XXXX.
Consumer complaint received 2023-02-14
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)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is XXXX.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-08-09
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. (VA)

this is my SECOND WRITTEN REQUEST. This is a formal complaint that you, XXXX & Equifax, are reporting inaccurate and incomplete credit information. XXXX and Equifax are violating my consumer rights according to, 15 USC 1681e ( b ) Compliance and procedures ( b ) and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

I am seeking the IMMEDIATE REMOVAL of the Accounts due to its inaccuracy since the debts. According to U.S. Code 8 - Obligation or other security of the United States defined, I OWE NO DEBT!!
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XX/XX/21 I received a text message from Bank of America that a transaction from XXXX was declined for XXXX . When I checked mybank of America account online I saw that there are other transactions that were completed, but I did not complete them. I figured someone stole my credit card information. The thief bought things from XXXX and XXXX for approximately XXXX . I deactivated my credit card and had a new one from bank of America mailed to me. I filed a claim with Bank of America that is currently under investigation. Can you helpd me solve this fraud situation, please? thank you!
Consumer complaint received 2021-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (NH)

I have been having issues now Earnest Student Loans now for several months. Starting XX/XX/2021 as my emails show, I contacted Earnest about canceling the {$7000.00} biweekly payment that I did initially set up/schedule several months prior. However, my financial situation changed, and therefore I wanted this canceled. I have numerous e-mails from XXXX stating that this has been taken care of, but unfortunately, on 4 separate occasions, they ATTEMPTED to take this out of my account. 1 time they were successful ( despite my being told that this was remedied, and set at {$2000.00} biweekly, per my request ) in taking this money out, leading to insufficient funds fees from my bank ; these were ultimately refunded by Earnest. I also recently ( XX/XX/XXXX ) was forced to make a {$30.00} stop payment against any future withdrawals, as yet again XXXX XXXX at XXXX ), well after the servicing manager confirmed with XXXX that {$7000.00} would not be taken from my account, it was still set to take that money from me. And, I was told in that same e-mail/sentence, that {$2000.00} would be taken out biweekly, beginning XXXX ( but this didn't happen! ). So, now I'm paying more interest, because yet again Earnest can't figure this out. There were also exactly 14 days where I had {$7000.00} taken out of my account ( unlawfully ) by Earnest, despite my repeated attempts to stop this ( and confirmation by Earnest that it was stopped/would NOT happen ). I did not receive interest in my bank account ( 3 % ), and did not receive a reduction in interest from Earnest ; they simply held this money for 14 days. I also have not received another {$15.00} in insuffiicient funds fees " return '' from Earnest that this caused ( they refunded the initial one ). 

I have spent well over 6 hours on the phone with Earnest, e-mailing them, keeping close track of my account, talking to my bank, etc, dealing with this. I asked Earnest to credit me the lost interest on the {$7000.00} for 14 days, but they said regulations prevented them from doing this. But how were they " allowed '' ( against my well-documented will! ) to take money from me without my consent, and in fact my direct lack of consent??!! No regulations at play there ; they simply did what they wanted, but then when the little consumer asked them to make things right, they boldly started talking about regulations! But no regulations were ever mentioned regarding protected the little consumer from being taken advantage of, as they clearly did.
Consumer complaint received 2021-05-15
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX DATE OF BIRTH : XX/XX/1984 DRIVERS LICENSE : XXXX To whom it may concern : I recently ONLY filed an an inquiry with, XXXX XXXX XXXX XXXX. 

Immediately they ran my credit without consulting me. 

This is unacceptable. 

I have corresponded with several loan specialists and it is to my understanding that until a negotiated loan amount has been accepted by both parties then a hard credit pull can be made. 

I would like this item, the credit check, from XXXX removed from my credit report. 

Please contact me at your earlier convenience. 



XXXX XXXX XXXX III EMAIL : XXXX CELL : ( XXXX ) XXXX
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

XXXX close my account without any reason, i received my payment from my unemployment. 
XXXX MY MONEY IS CLEAN, IS NOT FRAUD OK. 
MY AACOUNT DO NOT HAVE ANY CHARGEBACK. 

i sent all my information for verify my personal information. 

if PayPal don't want me use the service anymore is fine. 
NOW I WANT YOU TELL ME WHEN MY MONEY IS AVALIABLE FOR WITHDRAW. 

TELL ME WHEN ARE YOU GOING TO GAVE ME ACCESS TO MY MONEY. 


MY EMAIL IS XXXX.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (TN)

I initiated a {$30000.00} wire transfer to XXXX XXXX XXXX to be deposited into my Binance US account on Monday, XX/XX/2021 at XXXX EDT. XXXX XXXX XXXX is the financial custodian for Binance US. The policy for wire transfers into a Binance US account is no more than 3 business days. The only way to reach Binnance US customer support is by opening a support ticket. I have opened two tickets, one on Wednesday XX/XX/2021 and again today, Friday, XX/XX/XXXX with a copy of my wire transfer receipt showing all pertinent details along with the reference code to my specific wallet on Binance US. The funds still have not been deposited into my account after 5 days. I have had no response from their customer support and there is no phone number to call. Any help you could give me would be greatly appreciated.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TX)

This is my 4th 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (OH)

I sent certified letters to XXXX, Equifax and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND XXXX XXXX  XXXX
Consumer complaint received 2021-05-15
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)

I sent certified letters to XXXX, XXXX  and Transunion on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND XXXX XXXX  XXXX
Consumer complaint received 2021-05-14
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. (AZ)

On XX/XX/2021, I filed for a validation of debt with the credit bureau 's Equifax, and XXXX. As well as the XXXX XXXX XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( XXXX, Equifax XXXX Thank You, XXXX ' XXXX
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I just received an alert on my Experian credit report that shows I am 30 days past due on my td credit card. My score dropped XXXX points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held XXXX by this one time issue in my long history of outstanding payments and usage.
Consumer complaint received 2021-05-17
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. (NY)

I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and XXXX have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was English. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.