davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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 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 XXXX 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 2021-11-25
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX  - Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-03-02
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. (MO)

I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/2011 Amt. XXXX
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (WV)

This is the message I sent to Pentagon Federal Credit Union XX/XX/XXXX : Hello PFCU I'm being charged fees for using ATM listed on your website as surcharge free and the ATM in D.C. that utilizes an XXXX  system. So I would like all my fees returned because these charges are incorrect according to your ( PFCU ) policy. Pentagon FCU has been charging me incorrect fees for ATM usage. These ATM fall under the guidelines PFCU. Also I was told by a PFCU representative on XX/XX/XXXX that if I use an ATM that has an XXXX   System I would not be charged any fees.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

Received collection notice from Wakefield and Associates for a medical debt that did not exist. When I called in the representative attempted to get personal information. When I began to question and let them know I would be reaching out to the company in which the alleged debt was owed, they became very aggressive with their communication. After confirming with the company that there was not a outstanding debt I called them back to seek further information and they again started asking for personal information but different questions this time. It appeared that this was an effort to collect as much information as possible for identity theft.
Consumer complaint received 2021-11-25
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. (DE)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-01-15
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: Berlin-Wheeler, Inc. (Kansas) (VA)

A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : BERLIN-WHEELER-KS Number XXXX XXXX The account violated 15 U.S. Code 1681b.

I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 2019
Consumer complaint received 2021-11-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX, I attempted to do a pre-apply with Care Credit towards a {$45000.00} medical expense. 
The pre-qualification process is operated by Synchrony Bank ( mysynchrony.com ) and rejected my application due to lack of credit. 

I had come into this process with a very strong credit history ( almost 800 score, owning a house, no late payments on credit cards ). 
My rejection notice was that I had very limited credit history, a score of 660, and something about revolving accounts ( I hadn't saved a copy of the notice ). 

I believe the notice said that it had made this decision based on the information it made from XXXX ( again, I hadn't saved a copy of this notice ). 

A month before, I had changed my first name as part of my gender transition with the social security administration ( and had changed my name with Massachusetts 5 months before then ). 
I was providing my SSN as an identifier which had never changed, so there's no good reason why my credit history would have not been able to continue following me.
Consumer complaint received 2023-01-15
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. (VA)

A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : XXXX Number XXXX XXXX The account violated 15 U.S. Code 1681b. 
I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.
Consumer complaint received 2023-01-15
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. (NY)

XXXX shows my balance with XXXX XXXX as {$140000.00} and {$22000.00}. I have filed disputes with XXXX and edfinacial services. XXXX has not fixed the problem. After looking at transunion report shows my balance zero and closed for XXXX XXXX. I realize the problem is with XXXX not XXXX XXXX 
In my document uploads I show my balances on XXXX. zero balances on the XXXX websites and XXXX report
Consumer complaint received 2022-02-04
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-02-03
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: CITIBANK, N.A. (MI)

I found out in XX/XX/XXXX that a Citibank XXXX XXXX XXXX account was opened in my name in XX/XX/XXXX. Citibank made a hard inquiry before opening the account. Both the inquiry and account were then included in my credit profile at all three agencies ( XXXX, XXXX and XXXX ). 

I reached out to Citibank to investigate, and they determined the account to be fraudulent. They sent a letter dated XX/XX/XXXX confirming that they closed the account. They sent a XXXX letter dated XX/XX/XXXX confirming a fraudulent application was made in my name and that they informed the credit reporting agencies to remove the account. They sent a XXXX letter dated XX/XX/XXXX stating that they requested that the consumer reporting agency " change '' the inquiry. I have no idea why they used " change '' instead of " remove. '' I also reached out to all three credit reporting agencies. XXXX and XXXX removed both the account and the hard inquiry. XXXX only removed the account, but not the hard inquiry. I have had multiple conversations with XXXX representatives and got different reasons for why the inquiry remains. 

I want the hard inquiry removed since it was based on fraud, unauthorized by me, misrepresents the nature of my creditworthy behavior and impacts my credit score negatively.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX - I detected fraud on my credit card account while traveling internationally and reported it to my bank.

XX/XX/XXXX - my checking account had a balance of {$4200.00} XX/XX/XXXX - my account was debited for {$880000.00} by the bank and my account was closed. In addition, my credit cards were cancelled and my savings account was closed XX/XX/XXXX through XX/XX/XXXX - I have contacted the bank many times to get the balance in my account due to me. It has been 3 months since they closed my account and I have yet to receive the funds.
Consumer complaint received 2022-02-04
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. (FL)

VIOLATING FCRA - {$1000.00} EACH REPORTED ITEMS WITHOUT MY WRITTEN CONSENT. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-04
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. (FL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (MI)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My complaint is a second time in USAA, they need to be investigated. I spoke with a man about my interest rate who gave me about a 5 % rate over the phone. I look at my consumer loan info and some how they've again adjusted the information to 6.9871 %. USAA knows I usually trade in my vehicle prior to it being paid off therefore changing my rate after signing my good faith estimate. Causing to pay off less if my loan upfront owing them more by the time I trade. USAA did this to me on the XXXX loan I had with them and now again on this one. This company needs to investigated further. The first time they denied it and showed me the signed document. I'm a loan officer and would know I qualified for better vs these terms. This is harassment and predatory, USAA is altering information which is something worth reporting to the FBI.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have three main issues with my credit report with credit reporting agencies. 
1. I have noticed On XX/XX/XXXX, two unauthorized credit inquires made to my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and reported by TransUnion and XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX reported in XXXX as hard inquiry for mortgage which I had never authorized. I have contacted TransUnion to fix this issue and advised me to report to CFPB. 
2. On XX/XX/XXXX, I wanted to purchase car and the dealer run my credit with different creditors and finally I was approved with one of them. Even if they did ran without my knowledge, they confirmed me that only one of them would be reported because all done in the same window period ( even in a minutes ). But all reported in TransUnion which is not acceptable. When I request TransUnion, it directed me to reach your office to resolve this issue. 
3. I have established my credit history since XXXX, XXXX but the credit reporting Bureaus only report the latest credit I have which is totally unacceptable and leave my credit history very young. I kindly request this Bureau to resolve my all above mentioned issues adversely affecting my credit
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2024-02-22
Product: Credit reporting 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)

I wrote a letter to the Dept of education and to XXXX  about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.