davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (NJ)

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 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 2023-08-03
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. (PA)

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 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 2023-06-04
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: Experian Information Solutions Inc. (VA)

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 : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : 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 2022-10-26
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 am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help me.
Consumer complaint received 2023-06-04
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. (AZ)

On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and XXXX
Consumer complaint received 2023-06-14
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. (FL)

I received my credit report XX/XX/XXXX and I noticed some more inquiries that do not have permissible purpose supposed to be on there. Ive contacted the credit bureaus, and the issue is still not getting resolved and they keep violating my rights under 15usc 1681 b, I also attached the hard inquiries that do not suppose to be on my credit report
Consumer complaint received 2023-06-04
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: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (FL)

Your Claim Number : XXXXXXXX XXXX XXXX  XXXX XXXX : You filed a claim in the Equifax XXXX XXXX Settlement between XX/XX/XXXX and XX/XX/XXXX. We have processed your claim and determined that you are eligible for a XXXX XXXX 

You chose to receive your XXXX XXXXt via check. The XXXX XXXX can now offer you the ability to receive your payment electronically via XXXX or pre-paid card. If you would like to switch your payment selection to electronic payment via XXXX or pre-paid card rather than a physical check, please click here. 
If you do not want to change your payment selection of check, you do not need to do anything. If we dont hear from you by XX/XX/XXXX, your payment will be sent to you by check. 
If you also filed or file a claim between XX/XX/XXXX and XX/XX/XXXX, and you are eligible for a XXXX XXXX we will use your most recent payment choice to send you your XXXXXXXX XXXX 

This notice is from the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX  by email at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, or by mail at Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My Message - -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : No check or return response happened for Equifax settlement Who has the money ticket # XXXX/Equifax XXXX XXXX XXXXXXXX I was promised a refund in late XXXX, then mid XXXX. There is no response to phone call or my daily emails for a XXXX 

I am very suspicious of this process. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-04
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. (NC)

I am writing this letter to Dispute a recent credit report listing on my accounts, which i believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit Reporting act all these Creditors violated my rights 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 16666B : A creditor may not treat a payment on a credit card acct under an open end consumer credit plan late for purpose I kindly request that you Conduct a reinvestigation of the Disputed Information and remove the inaccurate listing from my credit report as soon a possible. if the information can not be verified the accuracy of the information it must be removed from my credit report in accordance with Section 1681i of the FCRA Thank you
Consumer complaint received 2023-06-04
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)

During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the Consumer Federal Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (OH)

Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Link expires on : XXXX Regards, XXXX XXXX
Consumer complaint received 2023-01-25
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. (TN)

ON XX/XX/2022, Sent a letter to XXXX, Equifax, XXXX, And XXXX informing them the information they are report to my consumer report is inaccurate.
Consumer complaint received 2023-06-20
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)

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 account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America XXXX XXXX XXXX XXXX. I was given an offer for a 0 % balance transfer so I used it to transfer {$2300.00} towards my XXXX. My minimum payment on my Bank of America card was {$25.00} and set to autopay probably for a year now. On XX/XX/year> the {$25.00} autopay was taken out of my account, but then on XX/XX/year> {$2300.00} was taken out of my checking account to pay for the transfer without my permission. I wasn't given a notice. I didn't change anything in my payment settings. When I double-checked to make sure my auto payment was the same and to see if I missed anything, nothing had changed. On screenshots of my payments, the {$2300.00} didn't appear on the list of payments, except for on the pdf bill statement. When I asked in customer service chat what happened she said, " ... After reviewing the account, I see you have 2 payments set up. I can delete the XXXX XXXX payment for you so that you can make and manage payments through XXXX XXXX only. Would you like me to complete that request? '' I said yes. I also asked why doesn't that payment appear in my list of payments? I don't see that I had a direct debit payment set up. I never changed anything. The customer service rep said, " That is an older method of payment that is managed by a bank associate. You will only see the debit. There is no way to view or manage the payments online. '' I never did this. I never permitted for them to do this. This sounds unethical that they can just make this decision. Fortunately, I was able to pay it. But I would like them to be held accountable in case they try to do this to someone else who can't pay. What is the point of a transfer offer if they are going to take it right out anyway and without permission?