davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (CA)

I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX. XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX. XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-02-11
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransuUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
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. (SC)

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, 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 2022-11-14
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)

Equifax has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. XXXX will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (PA)

My name is XXXX 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 2023-06-01
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

the complaint that was filed case number # XXXX, # XXXX, was closed because it was stated could not find a case number the company stated in that complaint a post office box was used, and was denied, base on the USA Patriot Act that is a Federal Law, pertaining to money laundering, personal information, identification, with financial institution, this Federal Law was used to denied the Credit Card Application, the company states a PO Box was used not the case, even if it was base on the law with the USA Patriot Act the complaint had an obligation to contact the applicate for other information to complete the Credit application, the address was on the application as well the denial letter was mail to the address and not the PO Box , this do show the Card company had the right address, CFPB reviewed that complaint and miss this very important material this is new information that was over look, and is requesting to re-open this complaint with Kohl 's Department Stores,
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. (CA)

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, 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 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX : {$57000.00}.
Consumer complaint received 2024-03-24
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. (TX)

I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment # XXXX. At that time the name of the apartment was XXXX XXXX XXXX. The apartment changed the name to XXXX XXXX XXXX XXXX sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " XXXX '' XXXX. I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
4. " Final Account Statement XXXXpdf '' showed the final bill which I disputed with the XXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Admin XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, XXXX XXXX
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (MI)

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 2023-04-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

I have no debt that is old to XXXX XXXX prior to 2022. Nor did enter into any deal or contract with PERSOLVE LEGAL GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have reached out to them asking for any proof of a contract or debt that they say I have with them. They have provided nothing. They refused to delete this collection off my account. Owe none of them anything.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!
Consumer complaint received 2023-04-18
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balance Owed : {$5400.00}
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 — Account status incorrect
Company: EQUIFAX, INC. (LA)

This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX, account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Fianance is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NE)

I signed up for  the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

I called Equifax Mortgage solutions and they said the loan amounts are correct but when you look at the Equifax, XXXX and XXXX website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.
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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on XXXX, 7 on equifax and possibly 4 on XXXX. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.
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: EQUIFAX, INC. (DC)

I purchased a home in XXXX of XXXX in XXXXXXXX XXXX Md thru XXXXXXXX XXXX for $ XXXX when I looked at my credit report on all three bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these 2 mortgage showing on my credit profile asap. 

XXXXXXXX XXXX act ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX
Consumer complaint received 2023-02-02
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 (OH)

Date - XX/XX/23 company - onemain financial issue : website states " wont affect credit score '' if you check your rates. They ended up doing a hard hit on my credit report and wont remove it. 

website - XXXX