davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (FL)

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 Account # XXXX, has violated my rights. 

DEPT OF EDXXXX Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( XXXX, Transunion, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Consumer complaint received 2022-04-19
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. (FL)

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 Account # XXXX, has violated my rights. 

DEPT OF ED/XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 2022-04-19
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: Experian Information Solutions Inc. (IL)

FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am extremely dissatisfied with your failure to remove all fraudulent accounts from my credit report, unlike XXXX 's compliance. The discrepancies persisting on my report are unacceptable. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. 
I demand immediate action to remove the remaining fraudulent accounts, including XXXX XXXX XXXX XXXX, as XXXX has done.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (UT)

I have been demanding that Experian remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Experian has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Experian has FAILED OR REFUSED to provide me with the entire consumer file. 
Experian has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can EXPERIAN possibly verify and validate the tradelines? 

It is my belief that Experian is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Experian refusing to delete the following accounts, which are not registered to do business in the state of Utah which means I can not serve them with notice of intent to file a lawsuit, and they can not do business here : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX 4 . XXXX XXXX XXXX 5. XXXX XXXX XXXX It appears that Experian has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN EXPERIAN PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY EXPERIAN. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.
Consumer complaint received 2022-04-19
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: JPMORGAN CHASE & CO. (PA)

I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from JPMCB CARD on XX/XX/2021. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from JPMorgan Chase and I have been injured.
Consumer complaint received 2021-03-11
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. (NC)

My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from Transunion credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
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. (IL)

I would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A. (MN)

Please note this complaint was also filed with the XXXX XXXX  XXXX XXXX. I previously settled a debt in full which was being collected by Messerli Kramer law office. Several days after they were paid in full and received a letter of stipulation, I began receiving repeated phone calls from their office which I did not answer or return. I assumed they had not updated their systems and were continuing to ( illegally ) attempt to collect a settled account. 

On XX/XX/2019 at XXXX XXXX CST I received another call from their office from phone number XXXX and a voicemail message was left. I listened to the message which was from an XXXX XXXX ( spelling? ) who stated in the message that the message was intended for a XXXX LAST NAME REDACTED ( spelling? ) and further stated this is an attempt by a debt collector to collect a debt. A short time later I contacted the office and asked to speak to a supervisor. After a rude individual repeteadly demanded my personal information, which I refused to give, I was connected to a supervisor named XXXX. I communicated the concern to him and he indicated he would update their system to remove my number from the account they were attempting to collect from XXXX ( XXXX ) I have multiple concerns here, one being the disregard for the Fair Debt Collection Practices Act as it relates to the prohibition of third party disclosure as occurred in the voicemail message. Next my concern is the repeated calls. Finally, my concern is for the disclosure of my own information. As someone who previously paid a debt to this agency, I can not help but wonder how many times they called a wrong number and disclosed my name and information to a 3rd party? How many other debtors information has been disclosed to other 3rd parties as well? There appears to be a common practice by this agency which violates the FDCPA. I can not imagine that this is the first such complaint about this agency and I strongly encourage you to follow up on this matter. This is precisely what regulatory agencies like the XXXX  XXXX XXXX are charged with investigating and addressing. 

Please note that I will be cross-filing this complaint with the Federal regulatory agency as well.
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-28
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)

XXXX XXXX XXXX {$0.00} - Charge off Amount {$4800.00} XXXX received- NO XXXX - Charged off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? 
Equifax - Charged off XX/XX/XXXX Sold to Collections XXXX XXXX XXXX- Balance {$2900.00} Charge off {$22000.00} XXXX received- NO The car was stolen in XXXX of XXXX. My insurance paid and my XXXX insurance paid. This should NOT BE a charge off. The account was paid in full. They show the account being charged off in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX Balance {$380.00} Charge off Amt {$380.00} 1099C received XXXXNO XXXX - Charged off XX/XX/XXXX Equifax - Charged of XX/XX/XXXX XXXX  XXXX Balance {$2500.00} Charge off Amount {$2500.00} XXXX received-NO XXXX - Charged off XX/XX/XXXX Equifax - Charged off XX/XX/XXXX
Consumer complaint received 2021-08-25
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: JPMORGAN CHASE & CO. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2022-04-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synovus Bank (TX)

First Progress Credit card company is reporting late " Payments '' on my credit report. This is a violation of my consumer rights as I did not give XXXX, XXXX, or XXXX written consent to report these derogatory markings on my report. According to 15 USC 78m ( q ) ( 1 ) ( C ) the term " payment '' is defined as C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ;. How then can these alleged " late payments '' be reported on my credit and consumer report, when the definition of " payment is not applicable to the cause. This can not be so! 

According to HJR 192 PL 73-10, " The American debt is XXXX dollar for dollar '' Due to the fiat currency being null & void because it is no longer backed buy Gold or silver. Therefore, I am demanding that these derogatory infractions fictiously described as late payments be removed from my credit and consumer report immediately. 

These derogatoriness are reported to account ending in XXXX XXXX, XXXX and on account ending in XXXX on XXXX, XX/XX/22 As this is defamation to my credit history and oppressing me financial, hindering me from approval with other lenders. 

This is a violation of my consumer rights and I hereby exercise them in accordance to TITLE 15.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

I have been lied to now on a recorded line first was told it was a federal regulation they can not set up auto pay for me over the phone. 2. Was promised a cashiers check would be sent to me at my current address. ( It was not ) 3. Was promised my payment would be applied for next months payment without issue ( was not ) then got a call from their collections department saying I was past due. I have been lied to and deceived by US Bank so many times I can not take it anymore.
Consumer complaint received 2022-10-13
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: SYNCHRONY FINANCIAL (FL)

Today at XXXX I attempted once again to speak to someone ( XXXX XXXX at SYNCPB/PPC Paypal credit as this appears on my credit report. I have already provided previous information to my Credit Bureaus, namely XXXX as well as the other XXXX. They have refused to properly investigate and have simply sent an effortless response saying that they investigated and that this shows as belonging to me. 
I was told that my account has a {$0.00} balance and was closed. I responded that it was I that requested it be closed but was told that they closed it due to delinquency. This was not the case as I remember it. However, I'm not sure if this minor fact is relevant. I expressed my point that I had made a significant payment of nearly {$1800.00} and that no balance had remained. All my payments were made on time. But somehow, XXXX accounts which appear to be the same account have been reported twice to my credit report significantly impacting my credit score twice more than justified. I even made another payment XX/XX/XXXX in order to prevent any further complications and to mitigate any error in my power. I requested the proper address of the department which is responsible for reporting this error and was told that it is NOT POSIBLE FOR ME TO BE GIVEN THAT INFORMATION. THIS IS EXTREMELY UNFAIR AND LEAVES NO OR LITTLE OPTIONS TO CORRECT THIS ERROR. This is a violation of my consumer rights and circumvents any ability I have to help correct this. I requested that this be corrected immediately and I was told that it was not possible. How can this be? I am left with no option and no remedy to correct this except to rely on the credit bureau- which as we can see will only side wit the merchant /company that reports this in obscurity. Please assist me. This has dropped my credit score significantly where it remains in an area range hopeless to obtain further credit or further participate in commerce related to credit despite a good credit history with several other accounts. This negative consequence is disproportionate and deserves legal action. 
ATTACHED : Shows a further attempt to make an additional payment of {$27.00} in XXXX. I had a XXXX balance before this. I closed my account in XXXX to help ensure that there there was no further issue and in order for me to narrow down where this such error may be occurring. So my Balance is {$0.00} but yet somehow this merchant still reports me as late for XXXX. How is this possible? ( The additional merchant on this attachment is addressed in a separate complaint I have submitted very recent ). Further, I was promised today that I would receive an email confirmation reflecting a {$0.00} balance by SYNCPB/PPC this merchant in question but still have not received it so that I may include it in this complain herein submitted.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Upgrade, Inc. (NV)

There were two withdrawals from my checking account on XX/XX/2022, one for {$8400.00} and one for XXXX. These transactions were not authorized by me. I was the victim of identity theft. I have talked with several people at this institution to no avail. I received an email from their escalation department on XX/XX/XXXX saying that they have tried numerous times to reach me at my phone number ; however, I have received no calls from them. They have given me 15 days to get back to them, but they do not return my calls. 

XX/XX/2022 XXXX XXXX XXXX XXXX {$8400.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX UPGRADE , INC . 
XX/XX/2022 XXXX XXXX XXXX XXXX {$3500.00} Please help me to get my money back. I have filed claims with my bank.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I called Synchrony bank/Banana republic 4 times in the past 60 days requesting the credit to my account be sent as a check to me, since I received a refund from a purchase. They say over the phone they are requesting the check to be sent and I should receive within 7-14 days. I wait the 14 days and when I dont receive the check, I call again seeing what the issue is. It wasnt the wrong address, and every time they say they see no request for a check being sent to me for my refund. So they request again and the cycle has continued. Its to the point I dont know what else to do to get my money.