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: ENCORE CAPITAL GROUP INC. (IL)

in accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANA

GMENT has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. - MIDLAND CREDIT MANAGMENT has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents. 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,
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (GA)

Money was sent to me through Zelle to my XXXX bank for the amount of {$5000.00} and I asked the back to send it back to the sender. I explained I know the person I just wanted them to receive it right away. They said it was not able to be sent back right away because it was not posted but call back next day and they can. I called back I was told to wait 5-6 business days still the sender didnt receive the money. Please help its been going on for over 45 days I spoke to chase for hrs and hrs they cant help. The money is stuck some where. They keep telling me its out of my account and they are not responsible. I already filled the complain for chase back and now I need Zelle also to be investigated. The money is lost somewhere and its not at XXXX  XXXX XXXX which is the senders bank. Please help
Consumer complaint received 2023-06-29
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. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on my credit report.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capitol one credit card for XXXX reported no payment made on my account for XX/XX/2021. Attached statement shows payment made and processed in XX/XX/2021 and they still report no payment made for XX/XX/2021.
Consumer complaint received 2024-03-13
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. (TX)

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 2022-03-23
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: EQUIFAX, INC. (PA)

I recently spoke to a live person a Equifax and nobody is able to get my credit file or credit report. Every time I try the Equifax website I get a message saying we are unable to get your credit file, report and score.
Consumer complaint received 2022-03-23
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. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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
Consumer complaint received 2022-03-23
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. (FL)

I have sent numerous letters to all three credit reporting companies. Transunion, XXXX, and XXXX about fixing the inaccurate information on my credit file with XXXX XXXX of jewelry. wanting them to fix incorrect information that displays on my file. I get a generic response back saying the information is correct and verified but '' Date last updated '' shows XX/XX/2018. if a proper investigation was done the date updated should show a date within XXXX  days from when the letter was sent. XXXX standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged.
Consumer complaint received 2019-06-20
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: AMERICAN EXPRESS COMPANY (VA)

AMEX CORPORATION CONTINUES TO REPORT A BUSINESS CARD OPEN AND USED BY A CORPORATION AS MINE. DESPITE NUMEROUS LETTERS AND CALLS THEY CONTINUE WITH NO PROOF TO CLAIM AND REPORT IT AS MYCARD. 

AMEX CLAIMS CHARGES, PAYMENTS, CREDITS WERE BY ME. 

DEBT COLLECTORS REFUSED TO PURSUE ACCOUNT AFTER SPEAKING WITH ME AND REALIZING AMEX HAS LIED.
Consumer complaint received 2022-03-23
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)

Under The Fair Credit Reporting Act : XXXX AND TRANSUNION furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's written instructions.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, Transunion, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All 3 credit agencies are reporting my home address as and XXXX XXXX. 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX. 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 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 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: Experian Information Solutions Inc. (VA)

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. 
XXXXXXXX XXXX XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 
XXXXXXXX XXXX  XXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account XXXX : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX 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 2022-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX tried to send money by XXXX. The transaction was canceled by bank of American and my account locked. Now prior to this bank of america had been sending my new debit card o ordered to the wrong address for about 2 months. I called several time and gave them the correct address. So for all this time I had no access to my money except XXXX. So now my income tax check gets direct deposited and 2 days later account closed for fraud no explanation. So I contacted bank of America 's fraud department and talked to the XXXX XXXX tx fraud manager. This is when I caught that they were sending my debit card to the wrong address for 6 to 8 weeks. Then he tells ne there going to send my funds in a check .so I ask them how there going to mail me a check if you can't mail me a debit card. Then he proceeded to tell me that if I called back in the morning he would request the funds to be released from a local branch.so then I called back following morning at XXXX or XXXX am and was told the check had already been mailed. Lie # 1 lie # 2 comes when I call back a few day later and talk to another fraud department employee and she tells me the check was just mail the XXXX and that this was the fastest account closing shed ever seen. So I was told 7 to 10 days to receive my funds one check for XXXX and another for XXXX that to-date I still have not received. XX/XX/XXXX. So I called again and was told 10 to 15 business day before I should call back. Now I did nothing wrong here. They have completely screwed me over. I have loan payment and bills that are late now and completely wreaking my credit that I have been fixing for the past 2 years so I could buy a house. This is a total disgrace. I want my money and all damages to my credit fixed.
Consumer complaint received 2022-03-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Disputed information thats reported against me with the XXXX. I specifically explained in detail what incorrect and incomplete information is being reported against me. They claim that they did an investigation, but the information is still being reported incorrect and incomplete. 

In attached document will show the account with missing information from sept. XXXX to XX/XX/XXXX. This is also showing inaccurate late payments for feb. XXXX, XXXX XXXX also innacurate late payments for XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-07-27
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. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. The account is XXXX XXXX  # XXXX. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CO XXXX XXXX the account ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}.
Consumer complaint received 2023-06-29
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. (CA)

I have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

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