davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (AL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

In accordance with the Fair Credit Reporting Act Portfolio recovery associates has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is XXXX XXXX. Portfolio Recovery has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then Portfolio Recovery changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last XXXX XXXX Portfolio has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt. 
I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated XXXX party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving XXXX party, disclose such information to any other person that is a nonaffiliated XXXX party of both the financial institution and such receiving XXXX party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Consumer complaint received 2023-01-02
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-02
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-12
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. (NC)

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 2022-11-18
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. (CO)

In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX Account number # XXXX Account name # XXXX XXXX  Account number # XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX Account number # XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

On XX/XX/23, I used my card ending in XXXX to purchase several items on XXXX due to their XXXX XXXX event. The transactions went through without any problems. However, the following day on XX/XX/23, I noticed I could no longer view my entire card number online, which is a feature US Bank offers ( See Picture XXXX ). Consequently, I called in only to have several representatives tell me all my accounts were closed. I soon called the XXXX number to get an idea why all my accounts were closed and the representative told me it was because of gift card purchases on my card ending in XXXX ( See Picture XXXX ). However, the transactions are still pending and will later be reversed because the transactions have been refunded. So all in all, it seems US Bank waited for me to complete the {$2000.00} minimum spend requirement ( XXXX XXXX XXXX ) to get the signup bonus valued at {$500.00} on the card ending in XXXX and then closed all my accounts a day later without notice.
Consumer complaint received 2022-11-18
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. (CO)

In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX XXXX Account number # XXXX Account name XXXX XXXX XXXX XXXX Account number # XXXX  XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion which uses a company LCI has put fraudulent information on my credit profile. 
I have filed an identity report FTC. and asked both companies to remove this information from credit profile.
Consumer complaint received 2017-05-15
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. (FL)

XXXX   XXXX   XXXX  is working m behalf of   XXXX   XXXX   XXXX  s and they illegally reported to transunion that i owe them money. I disputed this with transunion and they still allowed them to stay in my credit report. My state attorneys office has already fined this company and they are not licensed lenders and transunion still allowed this to stay on my credit report, unlike  XXXX  and  XXXX
Consumer complaint received 2023-05-31
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. (GA)

There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people. 

These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-02-14
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. (MS)

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX - XXXX ( Finance ) XXXX XXXX, XXXX Delete this item immediately
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

In XXXX of 2020 I disputed 2 student loan accounts that showed I had 4 late payments. I have never heard back from Experian. Then in a recent review of my Experian credit report I find that these late payments are still reflecting on my credit report with a comment " consumer disagrees. '' Of course I disagree and requested that Experian investigate because I had never been late and the Dept of Ed told me that I needed to dispute this with the credit bureaus.

I did what I was told and have never received any feedback from Experian.
Consumer complaint received 2023-07-05
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. (OK)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX : {$26000.00}.
Consumer complaint received 2023-01-02
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. (WI)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 items 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 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX XXXX Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2023-01-03
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. (NC)

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 2023-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AR)

This midland company sent a debt collection to MY FAMILYs home, in which I do not live and for a DEBT that was already found as to be FRAUDULENT by the original company BEFOEE THE DATE this letter claims they revived this account. This is ILLEGAL & Im going to sue this company if they do not cease their unlawful practices. And now I am official filing a complaint with a government agency showing XXXXXXXX XXXX illegal practice. 
Also attached is the letter from the actual credit card company SHOWING this was indeed a fraudulent account.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NC)

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.