davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-28
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. (PA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.
Consumer complaint received 2023-05-24
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. (AL)

These are all closed accounts. 
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 have 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 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My name is XXXX XXXX on XXXX XXXX my son XXXX XXXX XXXX passed away. XXXX had a checking account with Huntington Bank XXXX XXXX, Indiana ) when i was notified XXXX XXXX was in the hospital by someone who had brought XXXX 's house keys and Identification to my home, XXXX 's cellphone was not among the items person brought too my home. One of the cards was an Huntington debit card. I made calls to Huntington Bank as well as another banking institution i was told they could not close the accounts without a death certificate, Court probate affidavit or Affidavit For XXXX XXXX XXXX XXXX. 
XXXX was laid too rest on XXXX XXXX. The death Certificate was signed and released on XX/XX/XXXX by the state. We went into Huntington Bank with all required documentation of Drivers license, Affidavit for transfer of assets without administration and death certificate. It was discovered an Fraudlent transaction had happened on XXXX account on XXXX XXXX in the amount of {$450.00} in XXXX XXXX XXXXXXXX XXXX Cell XXXX XXXX it was maybe 41 days since XXXX death, we were told too wait 45 days. Huntington replaced the {$450.00} cents back into XXXX account. XXXX did not meet the states Probate courts guideline. I spoke to an XXXX of Huntington on today XXXX, she informed me they would not be releaseing funds to me, his next of kin, they were withholding funds too go into Huntington XXXX. At the same time yhey are allowing XXXX too still process through XXXX account placing it into a {$58000.00} negative.
Consumer complaint received 2023-06-01
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-16
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. (GA)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/XXXX I ordered a XXXX XXXX ( Model # XXXX XXXX XXXX XXXX ) online from XXXX. On their website, you can finance with them, and they use TD Bank for this purpose. 
After waiting several weeks I contacted XXXX XXXX their online chat on XX/XX/XXXX about the status of our order as we hadn't seen any progress in the shipping. I will attach the chat with XXXX in the documents. They indicated that it was Lost/Damaged and returned to XXXX, without any contact to us. The representative on the chat could help me no further and directed me to call the Billing and Returns department. I did that the same day and was issued a refund by XXXX, as I indicated that due to this error, I no longer wished to purchase with them. I was told I would receive a full refund, and that it would take 2-3 weeks to process with TD Bank. I have the confirmation email concerning the full refund. 
On XX/XX/XXXX A collections letter/bill showed up in the mail from TD Bank for this account, with a late fee added on XX/XX/XXXX. When I called, TD Bank indicated that the refund must not have posted, and to call back in a week. On XX/XX/XXXX I received a second collections letter from TD Bank and I called again. This time the representative of TD Bank could see that a refund was there, but had not posted yet. When I asked why then would I be charged a fee and interest on an account that should have a XXXX balance, as I had a full refund, the representative didn't have an answer and said they will have someone call me to rectify it. It is now XX/XX/XXXX and I have heard from no one and can get no where near a resolution with TD Bank. 
This has been going on 8 weeks, I filed complaints against both TD Bank and XXXX  with the Better Business Bureau on XX/XX/XXXX.  XXXX has not responded to anything since XX/XX/XXXX and directed me to contact TD Bank, of which I am getting nowhere. My concern is I'm going to have a negative effect on my credit for a product I never received.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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 2016-08-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (VA)

This is to inform you that EXPERIAN unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XX/XX/2022, XX/XX/2022, XX/XX/2022 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Also, Experian did not follow METRO 2 COMPLIANCE LAWS when they put these violations on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY.
Consumer complaint received 2022-12-30
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. (MO)

In accordance with the Fair Credit Reporting act 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OH)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-06-01
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 Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. Chapter 13 Bankruptcy # 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 XXXX681c. ( 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 1681 c. ( 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. XXXX5 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 2017-07-14
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: ID Analytics, Inc. (TX)

Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

2017 of XXXX I had a XXXX XXXX XXXX fraudulently opened under my name. I was notified about this issue through a credit report alert stating I had a collections added to my credit report. I have contacted XXXX XXXX XXXX regarding this issue and also sent letters to each bureau disputing this information.
Consumer complaint received 2023-01-14
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. (OH)

Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, Equifax and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (FL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (TX)

I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. XXXX XXXX XXXX