davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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)

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 XXXX XXXX XXXX XXXX  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. XXXX15 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I'm writing to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-30
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. (TX)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank Of America credit card ending in XXXX had a fraudulent charge of {$110.00} at a XXXX has Station over 45 days ago. Bank of America has denied my claim citing that it was because the charge occurred in my " geographic region ''. 

Bank of America sent me a new credit card for XXXX before the fraud charge occurred because of merchant I used the card at Unfortunately I did not get a chance to activate the new card until after the fraudulent charge. 

I have spent 6 hours in total on the phone with the bank 's fraud department. They have now reopened my claim and keep giving me the run around. They will not even credit me the {$110.00} to my account while they investigate. 

I have submitted proof to the bank that I was in Key West, FL on the date of the fraudulent charge because I was using another Bank Of America credit card ending in XXXX. 

I have spoke with numerous supervisors including XXXX most recently. This is deeply disappointing because I have significant assets with the bank and have been a loyal customer for over 15 years.
Consumer complaint received 2022-10-03
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. (CA)

I value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
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. (MD)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (TN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NY)

I have never applied nor perform services or business with XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2022
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2023-02-24
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. (AL)

i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( XXXX, XXXX, and experian ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
XXXX certified # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (LA)

I contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the three bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the three bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their file
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout the history of this account, I've consistently made sure payments are timely, avoiding any overdue instances. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-01-10
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: Experian Information Solutions Inc. (NJ)

I disputed a bankruptcy on my Experian Credit report. They stated that their information was verified by XXXX. I disputed the erroneous reporting direct with XXXX on XX/XX/2019 and XX/XX/2019. XXXX did not respond to either dispute. Attached is the communication with XXXX and the U. S. Postal Service confirmed that they received my dispute. 

Also attached is my U. S. Postal Service confirmed that the Experian Credit Bureau received a copy of this Dispute.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (OH)

I have made multiple attempts to contact Equifax regarding an inaccurate account on my Credit Report. This account is reported as XXXX XXXX XXXX, and it is a closed account listed as a charge-off for {$70.00}. I have never acknowledged this debt, and the address associated with it is not one I have lived at. When I provided proof of residency, the address was updated to my current one with the XXXXXXXX XXXX XXXX. Although XXXX and XXXX have deleted this account due to inaccurate reporting, Equifax keeps responding with only " verified '' and a statement of the account 's payment history. Despite my requests for more information about this debt, Equifax has failed to comply for over 90 days. I have sent Equifax XXXX letters in the past XXXX months asking for more information, dated and notarized on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested the name, business address, and telephone number of the person or business contacted during the reinvestigation, the name of the person who verified the dispute with the original creditor, and the documentation used to verify the dispute. None of this has been provided to me. This issue is causing financial hardship as this account is affecting my ability to purchase my first home. I am seeking help to resolve this matter, as I am perplexed by the discrepancy where multiple companies say an account is inaccurate and not mine, yet Equifax continues to report it without accurate documentation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting agency act XXXX XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Golden Title Loans LLC (TN)

This is the 2nd complaint being filed. 745 Cash told my financial institution that they were working on refunding me back what they took out of my account. I have tried to contact 745 Cash several times to resolve and they will no longer return my phone calls. They have violated the Tennessee  Consumer Protection Act, as well as, The Fair Debt Collection Practices Act under Federal Law. 

They took money from an account that they had no authorization to take. I have requested the loan paperwork, signed check and audio recording where they claim I gave them permission to deduct {$480.00} from my checking account. They have not provided the below documentations under my requests, because they do not exist. They had my current debit card on file for future payments that I would authorize. I'm on their recording saying I would call back to make the payment, I did not give them permission to take money from my account at their leisure. They also nullified the original loan agreement by accepting the first {$50.00} payment on what was supposed to be a biweekly payment plan. They had no legal right to access my checking account that the payday loan was not originally affiliated with. 

Emails are attached where my financial institution states that they've spoken with a representative from 745 Cash and that 745 Cash was working on refunding me back. 

Again, I am requesting the following : *paperwork that shows that a payday loan was taken out on my XXXX XXXX XXXX account *the cancelled check from XXXX XXXX XXXX for which they assessed me a bounced check fee *the audio recording where I gave permission to deduct {$480.00} from my account, or the recording where I gave them permission to access my account at their leisure *Refunded back the amount that they were not authorized to take as well as the two overdraft charges ( {$36.00} each ) that they incurred, totaling {$520.00} In accordance with the Fair Debt Collections Practice Act, they are required to provide the above, failure to do so will result in further legal action.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

What happened in regards to the estate of XXXX XXXX is the authorized agent of the principal has tender payment to satisfy discharge and setoff to the principal account and credit principal balance. Attempts to further this conversation with the Westlake financial federal reserve agent also known as XXXX XXXXwith no correspondence to the tender that's was presented the registered number for the certified mail is # XXXX I have not been issued a correspondence for the tendered payment.UNDER DURESS THE VEHICLE WAS REPOED WITHOUT LEAVING ANY NOTORIZED DOCUMENTATION BY AN MAGISTRATE/OFFICER OF THE COURT. IN BREACH OF SECURITY AGREEMENT TERMS.
Consumer complaint received 2020-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by Capital One representatives for an account that is not mine and should not be on my credit nor do I owe the debt.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NY)

I received a copy of my most recent credit report and there are inquires from XXXX XXXX XXXX dated XX/XX/2023. I have never conducted business, applied for credit, or have an account with XXXX.
Consumer complaint received 2022-10-03
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. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Consumer complaint received 2023-04-04
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: CBC Companies, Inc. (CA)

8 Inquiry dates are not mine.

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 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 2020-06-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020