davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I paid several accounts in full. One was XXXX in which was an installment loan and the account being paid in full naturally the would close the account. Transunion shows it closed but because of it negatively impacted my credit score and dropped it over XXXX points when my credit score should have went up because of good faith payment. Same with XXXX and XXXX. This goes against fair credit reporting act and should not impact my credit score negatively but it does. I tried to have them fix it and they flatly refused.
Consumer complaint received 2023-11-30
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. (OH)

I am submitting this to bring to your attention a matter of great concern regarding the presence of unauthorized inquiries on my credit reports. As previously communicated, I am scheduled to update my credit reports in fifteen days. Enclosed with this correspondence is a copy of the FTC Fraud Report, referenced under # XXXX, which I will re-attach for your reference. The following inquiries, which I believe to be a result of alleged identity theft, are currently present on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2023 I received an email from the company XXXX XXXX XXXX. This email stated that my lease and history had been reported to XXXX and TransUnion. On the XXXX my credit report updated, however the information on the credit report entered by the credit bureaus was not even close or similar to the information submitted to them. This is not the first time this has happened so I continued to file a dispute. After doing so my score was hit for XXXXpoints and the previously reported account showed no activity and since has been turned into a negative item on both reports. I have since sent all documents to the bureaus proving my account statuses but they refuse to do anything other than deduct more points for my unwillingness to accept there calculations. I believe these calculations are in fact discrimination toward me individually as my research into the history of credit scoring shows a direct and abnormal calculation in comparison to historical similar scoring models within the same parameters as my account status. For example the company who reported my account reported a high credit of {$35000.00} the credit bureaus report {$0.00} The company reported open account, the bureaus reported closed account. The company reported 2 years for one account and 4 years for the second. The bureaus reported 6 years at {$790.00} split and paid out over 6 years at {$10.00} per month. And on and on the report is so far from the actual facts that I have found myself at odds with my sanity as I literally can not finance a canned soft drink without a cosigner. Upon notifying the bureaus of this are and submitting the documentation from the reporting company to them directly I only receive more points subtracted from my score instead of incorrect reported items. I am to the point that I have no choice but to hire an attorney and seek damages for fraud, discrimination, and unfair reporting practices at biased without benefit of reconciliation. I will include the screen shot of the summary as well as a copy of the reported information from the reporting source
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing.
Consumer complaint received 2022-09-30
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. (OH)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Under 15 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXX XXXX XXXX XXXX account was closed in XXXX {$7800.00} # XXXX XXXX account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX XXXX account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXXXXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 : It also states a co
nsumer 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 items of information or any 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 2023-05-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I believe I have been harmed by illegal activity involving malicious software on my XXXX devices. I will be turning in the XXXX devices to the XXXX XXXX for an exchange. This has been an ongoing process since XX/XX/ in which I have been investigating on my own behalf. I am proceeding with the further steps to take action in this case. I would like to dispute all accounts with balances that have been deemed as Charge-Off Transactions.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you kindly review the paperwork? Several of the enumerated accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I made a settlement with portfolio recovery for an account that they illegally bought from XXXX  XXXX. This company has been stalking me since XXXXby requesting unauthorized inquiries on my credit report through XXXX credit bureaus, in which XXXX deleted all inquiries in order to hide a paper trail but I have the screenshots. The only reason I settled with portfolio recovery was to move the process along with a potential mortgage lender. Portfolio recovery along with XXXX is trying to extort more money out of mean by putting comments on my credit report like potentially negative and they also reported false information that I owe a remaining balance of XXXX. The letter I received state that the debt was paid in full
Consumer complaint received 2019-01-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

CFPB please investigate the reporting practices of Equifax and XXXX enclosed are News letter s showing cases against Equifax for misuse of reporting I have been stating that they are playing games and stalling please use my information to do this investigation enclosed I want to show a pattern of how they refuse to comply with the law and make up there own manipuliating consumer credit reports
Consumer complaint received 2019-07-31
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. (DC)

In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.
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. (MD)

Ive noticed some unauthorized and fraudulent inquiries on my consumer report. 
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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-06-29
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. (MD)

There is an unpaid collection on my credit report from XXXX XXXX XXXX XXXX, which is in regards to an unpaid debt from XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, MD. I have never lived or worked in any of the areas serviced by XXXX XXXX XXXX XXXX. This debt could not be mine. I submitted this information in a dispute to Equifax on XX/XX/2023 and received a result from Equifax on XX/XX/2023 stating that the debt is accurate. However, I was not provided any information as to how or why this debt could be accurate when I have never lived, worked, or done business in an area serviced by XXXX XXXX XXXX  XXXX.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data XXXX and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (OH)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Under 15 U.S.C. 1681 XXXX  account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX XXXX XXXX account closed XXXX {$110.00} # XXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX XXXX account # XXXXXXXX XXXX XXXX  XX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX  inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX  accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. 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 items of information or any 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 2023-11-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the accuracy of several accounts listed on my credit report, which I believe to be inaccurate and damaging to my creditworthiness. The following accounts were reported erroneously, using someone else 's information : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX , DEPT OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX and DEPT OF EDUCATION/XXXX XXXX XXXX I request the immediate removal of these inaccurate accounts from my credit file, as they do not belong to me and are adversely affecting my credit profile. I kindly ask for your prompt attention to this matter and expect the completion of your investigation within the statutory time frame. Your cooperation in rectifying these inaccuracies is crucial to ensuring the fairness and accuracy of my credit report.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

i am disputing several fraudulent items on my credit report. 

XXXX. XXXX XXXX {$16.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX. XXXX XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # XXXX XXXX
Consumer complaint received 2023-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2023 incorrect items on my credit report the dates and times and amount is wrong, I have not signed any agreements or contract with these companies 1. XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX 3. XXXX XXXX, I have dispute the charges with all three credit bureau and it still on my report some of them longer then 8 years .Me and the creditors have agreed to charge it off and close it and remove it from my report, I have a letter from capital one. I and XXXX has received there equipment back that there trying to charge me for that, I don't owe them and they charged it off and close it ... all longer then 8yrs please help me remove this items from my credit report ....
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

BJ credit card with capital one cancelled my credit card as I had XXXX 10 years ago. Law states only seven years. They cancelled without telling me finally after 45 minutes on phone admitted to me. I have XXXX credit score, never missed payment never late on any credit card or bank payment. I have not any any scapes with law since original XXXX ten years ago
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

A company called Portfolio Recovery Associates , LLC, has been repeatedly calling me for two months without leaving texts or voicemails describing their purpose of calling me or what debt I have. They have tried to collect some sort of debt from me despite the fact that I have never used a credit card or used student loans. 

I called them earlier this morning ( XX/XX/23 ) to ask who they were and why they were calling me. The person who called me instead asked for my information, which I refused to give them unless they described their company affiliation. 

A few months ago, my house was burglarized and my birth certificate was stolen. I'm not sure if this has anything to do with it if someone is falsely impersonating me.
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. (GA)

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and XXXX fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, Equifax and XXXX are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. Equifax and XXXX are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-03-28
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: LEXISNEXIS (CA)

Nexis Lexis has violated my rights under 15 usc 1681 ( a ) by going out and fishing for negative information about you is an infringement upon a consumers Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). 

Now here is the second one- 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction.