davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA, The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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: BARCLAYS BANK DELAWARE (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XX/XX/XXXX Balance : {$440.00} {$440.00} BRCLYSBANKDE XX/XX/XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}
Consumer complaint received 2023-09-14
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. (FL)

This complaint contains two issues : 1. I have filed multiple disputes with Experian due to the bureau reporting incorrect information in a bankruptcy public record on my credit report and incorrectly reporting the history of a XXXX XXXX XXXX account. I requested the removal of the record ( s ) in XXXX, XXXX, and XXXX of XXXX. The bureau did not remove them. 

XXXX, the data furnisher could not verify the public record information and removed the bankruptcy record from my consumer report. That is the entity that furnished the incorrect and unverified data to Experian, which Experian states in their dispute results from XX/XX/XXXX. XXXX notified Experian multiple times and I also provided proof via a letter from XXXX to Experian in my dispute on XX/XX/XXXX. 

I filed a dispute with Experian regarding XXXX XXXX XXXX. I asked that the record be deleted from my report because the history is erroneous. There are several months reported as " ND. '' Then in XX/XX/XXXX, Experian flagged the account as 180 days delinquent. There are no XXXX, XXXX, XXXX, etc. days leading up to that. Simply ND, which indicates no investigation was conducted. How can an account start out at the 180 days delinquent mark? After XX/XX/XXXX, Experian reported the account as a " charge-off '' ( C/O ) for multiple months in a row. A charge-off only occurs once. The account was settled and closed. However, the history does not accurately speak to that. I want the account deleted from my report. 

XXXX. Additionally, the bureau has not updated my credit report since XX/XX/XXXX, despite my reaching out to them via phone and email multiple times. The last time was today, but there was no resolution over the phone. I do not have access to a current credit report or score. Experian is either reporting outdated and erroneous data to requesting parties or not supplying my report at all. I want access to my updated credit report and credit file. I want my online consumer portal updated with current information.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX  XXXX
Consumer complaint received 2023-04-21
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. (NM)

A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with XXXX and Equifax and they did not fixed it.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I obtained my most recent report I noticed that some things aren't complete and accurate on my credit report.I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally 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 A few days ago received a response from some not all credit bureaus telling me that the information was verified. But how? Please tell me how. And find out what was actually done.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX  XXXX, XXXX  XXXX and XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Equifax Will not update my address even after they have ask me to send certain documentation to prove my identity. I have done this numerous times over the last 2 years and they still havent done it.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

I applied for a new credit card via a Federal Credit Union so I could close my bank account with XXXXXXXX XXXX due to XXXX continuously locking me out of my account when making electronic transfers. 

I was notified by the Federal Credit Union that someone had place an " XXXX XXXX Military Fraud Alert '' on my behalf with Experian. I spoke with Experian and was notified that they will remove the fraud alert. However, they could not divulge who put this fraud alert on my account which in my opinion is illegal. I am not, nor have I ever been in the military. 

I am putting Consumer Financial on notice that someone has interfered in my personal life on a level that is of some concern. Wire tapping, eavesdropping and hacking of my personal accounts comes to mind and I have done everything humanly possible to cease these hackers.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Complete Credit Solutions, Inc. (MD)

Complete Credit solution company posted to my credit report a false date regarding an original creditor debt owed that was discharged in my bankruptcy case more than 5 years ago. The date falsely claims that the debt was opened in XX/XX/2023 and is new to my report. However, this debt was discharged in my bankruptcy and I'm no longer liable. When I called and tried to get them to remove the remark, I was told that I needed to send them proof that the debt was discharged which is public record and can be obtained by them. This incident has caused my credit score to drop dramatically by 60 points at a time I'm working to build my credit in order to purchase a home. This sets me back another 30 days until this issue can be cleared up. This is criminal. I want my report cleared of this matter or guidance for pursuing this matter in court.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (MO)

Region bank in XXXX  XXXX mo XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX or whoever his name a bald head brother and a sister and a XXXX lady was there the last two days the XXXX refused to reopen my political committee XXXX account today I been turned these papers in and both XXXX have lied to him and he have acted like stuff was literally funny today and it was I'm opposing slave government and mob government in a special charter I'm not given XXXX XXXX XXXX, XXXX university, XXXX XXXX are XXXX XXXX are XXXX university XXXX XXXX nor XXXX XXXX period nor XXXX  XXXX  or XXXX XXXX. I'm against these people about reparations now all of a sudden Missouri is a free city state. The guy and the XXXX have been lying today on phone they have been trying to capitalize off me in the state I'm against XXXX XXXX her and XXXX stole a vehicle that was in XXXX XXXX name that I got through XXXX XXXX XXXX auto on page police report filed In XXXX Missouri and I have not disrespected you in last complaint I downloaded no cuss word it. Although this banker had me hot a case is being filed on XXXX XXXX and XXXX. Just like someone keeps burning my name up on cases in different government crimes I didn't do and they keep betraying over corporate crime bank crimes and marketing company crime all under slavery. This bank know well he is a liar period I'm against XXXX XXXX XXXX I'm not protesting for no union about nothing they need be sued.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (VA)

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account 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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans Union had violated my consumer rights with inaccurate alleged accounts after several months of contacting Transunion about the violations I have officially filed a Federal Complaint and filed a law suite against Transunion the alleged account they are reporting are now in litigation PLEASE SEE ATTACHMENT.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX XXXXXXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 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 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX TN CHILD SUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 2023-09-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 2023-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: A.C.S. Companies, Inc. I (KY)

I received an email from XXXX and the contact persons name is XXXX XXXX. He said I owed a debt to ACS Incorporation for {$800.00}. If I do not respond and pay within 24 hours, they will file a lawsuit at United States District Court XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX, United States Against my Name and SSN. 
They said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. 
Also that I will receive court summons at my door steps with the cost of the lawsuit around {$4200.00}. 
They said they would settle and let me pay {$400.00} today or bi weekly payments of {$200.00} until paid off and that once the full and final payment is received a receipt will be sent to me stating that my outstanding debt is paid in full with XXXX balance and i have no more debtors for the company and they will update the Major Credit Bureau.
Consumer complaint received 2023-08-09
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

I bank with Chime. On XX/XX/XXXX, a transaction from XXXX for {$39.00} was fraudulently authorized on my checking account. I told Chime about this, they did an investigation and determined it was not fraudulent and I would not get the money back, even though it was fraudulent and I didn't authorize such a transaction. 

Then, on XX/XX/XXXX, another {$39.00} was taken out of my account by creditscorereport.co. Again, I contacted Chime and they did another investigation and again did not give my money back. 

When I asked for proof that I authorized the payments, they sent me a page with information I told them about the transaction. There was nothing showing proof I authorized the payments, because I didn't. I have attached the " proof '' they gave me.