davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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've written multiple letters to the credit bureaus spanning over a decades about the correction and removal of information on my credit file that was either incorrect, or did not belong to me. 

I have written letters to the credit bureaus numerous times that I shared a name with my father, who is now XXXX, and I suspected there had and has been foul play regarding my credit ; I've written in numerous times that the information needed to be adequately updated to reflect that my name is " XXXX XXXX XXXX XXXX '', and not ANY variant of the name or spelling, and that I had nothing to do with much of the information and accounts on my credit profile ; This has opened doors for the misuse of my credit profile. 

At the beginning of XXXX XXXX XXXX  XXXX one again did my due diligence to seek the repair of my credit profile with each bureau, and days later, suffered a car accident that rendered me unable to work and caused the loss of my transportation. I have written letters to each credit bureau in XXXX requesting the necessary changes/ removals to be done on my credit reports, and with their responses over the past XXXX months, I took the time to mail in their requested documentation supporting my claims, jumping through their hoops, to no avail. 

As of XX/XX/2023, not only have some of the credit bureaus willfully neglected my requests for the necessary changes, but their investigation ( XXXX ) has taken more than XXXX days to resolve. They are in direct violation of the credit consumer laws. Furthermore, I sought repair to the damage that has been done, and continues to be done, long before it ever should have been an issue ; I have had numerous issues, suffering XXXX XXXX XXXX XXXX  ; I have been denied living arrangements, employment opportunities, and funding opportunities to build a life of my own ; I have been unable to ever lease a vehicle and forced to rely on family for transportation, and finally as of XX/XX/2023, am undergoing an eviction and am facing homelessness due to the inability of the credit bureaus to carefully, and truthfully examine my cause and rectify the situation. 

I am demanding immediate correction of my credit reports and profile information, including but not limited to : The update and/or removal of Names, Date of Birth, Addresses, Phone Numbers, Employment, Creditor Account Information , Inquires ( Both Soft and Hard ), in addition to Financial Restitution for the damages caused by defamation of character, lowered standard of living, negligent enablement of identity fraud, mental anguishXXXX XXXX distress, discomfort, embarrassment, turmoil, and the inability to live a regular, normal, life due to the neglect, dishonesty, and irresponsibility of the credit bureaus for over a decade.
Consumer complaint received 2022-11-10
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: 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. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account XXXX XXXX credit 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 a account without my written instructions.

15. U. S. C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-10
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: Experian Information Solutions 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. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account XXXX XXXX credit 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 a account without my written instructions.

15. U. S. C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-14
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. (AL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2022-11-10
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. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 BANK XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX & XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDXXXX Account Number XXXX Account Name DEPT OF EDXXXX Account Number XXXX Account Name DEPT OF EDXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX  Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX XXXX bankruptcy dismissed Reference Number 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 2022-11-10
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # 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 2023-06-19
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. (AL)

There is an account that Equifax, XXXX, and XXXX claim false information and this has violated my rights by law by not removing after the proof was given and it has been disputed 3 times with them and also came to CFPBs for the 2nd time now. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted 2 months ago like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB Equifax, XXXX, and XXXX so I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed, and weve been patiently waiting for over 2 months now!!! Have a blessed week!
Consumer complaint received 2023-01-05
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: PRESTIGE FINANCIAL SERVICES INC (IL)

1. XXXX XXXX  XX/XX/2020 and XX/XX/2020 {$580.00} 2. XXXX XX/XX/2020 {$97.00} I spoke with them over the phone and refused to take action. 

In accordance with the Fair credit recording act this creditor as violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open account consumer plan as late for any purpose
Consumer complaint received 2023-01-05
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: OneMain Finance Corporation (GA)

XX/XX/XXXX XXXXXXXX XXXX failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


1.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX 2.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person so you are requested to kindly delete below mentioned inquiries or else I will file litigation. 
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 2023-06-07
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: The Capital Good Fund (FL)

I have had multiple loans with Capital Goodfunds! My loan that was originated XX/XX/2019 they have reported XXXX late payments! 


I have email correspondence with the company to skip a XXXX payment and pay the loan in full in XX/XX/2019! At no time during our conversation did anyone say this would result in a late payment, as I have skipped payments with them multiple times in the past on other loans! They had originally reported XXXX late payment, I disputed it then they reported XXXX late payments! 

When I contacted the company she said I had XXXX late payments, XXXX late payment for XXXX loans, not XXXX late payments for XXXX loan! I sent her all correspondence emails from 2019 confirmation that they skipped the payment to pay in full in XX/XX/2019! 

At this point the company is still not removing these inaccurate late payments or acknowledging its their internal error!
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I had a Tj max master card and i made a perches through a add on XXXX for a XXXX XXXX sample cream for XXXX i When i received it I was happy i only bought this sample. Its was horrible and im sure XXXX XXXX did not put this product out. Before i received my bill i received another sample. When i did get my bill they charged me the original XXXX and for the second one they charged XXXX. When I called to start a dispute I was told they would dispute it and not to pay until there was a resolution. The next week i received another sample and was charged again XXXX I went back and forth with the credit card company. I faxed them all the correspondents- Always told the same thing it was still in dispute and not to pay that amount. This has been going on for a almost 2 years. I had a XXXX balance before these fraudulent charges and now with late fees high interest fees its now XXXX!! Its also on my once perfect credit report. I spoke to someone this week from the card company..barley could understand him and found out i was calling XXXX XXXX. In the past I've spoken to rep 's from XXXX, XXXX, XXXX I truly feel this is a scam and i need your assistance
Consumer complaint received 2023-06-19
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. (AL)

There is an account that XXXX, TransUnion, and XXXX claim false information and this has violated my rights by law by not removing after the proof was given and it has been disputed 3 times with them and also came to CFPBs for the 2nd time now. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted 2 months ago like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB XXXX, XXXX, and TransUnion so I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed, and weve been patiently waiting for over 2 months now!!! Have a blessed week!
Consumer complaint received 2020-12-17
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. (NV)

I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.