davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (MD)

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

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name XXXX XXXX XXXX -ACCT-XXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT 2005 Account name : XXXX XXXX XXXXXXXX -ACCT XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX  - ACCT 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 2022-10-27
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. (SC)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-09
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. (TX)

This was paid on XX/XX/11 and Equifax has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts XXXX and they said it was send to all XXXX credit bureaus.
Consumer complaint received 2023-03-06
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies on my credit report, which I have already sent certified letters to XXXX and Experian regarding the same issue. The certified letter sent to XXXX has a tracking number of XXXX, and I can provide further proof of delivery upon request. Attached to this letter is a copy of my credit report, which highlights the inaccuracies that I have disputed. 

I have diligently reviewed my credit report and have identified several errors that are negatively impacting my credit score. Specifically, [ Account XXXX XXXX XXXX Account Holder XXXX - XXXX ] Account XXXX XXXX XXXX - - Account Holder XXXX Account - - XXXX XXXX  Account Holder - - XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Holder XXXX - XXXX Current Addresses : 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 Employer XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted disputes to XXXX and Experian to correct these errors, but they have failed to address my concerns. 

I am concerned that these inaccuracies on my credit report will not only affect my credit score but also my ability to secure credit, loans, and other financial products in the future. I am requesting your assistance in resolving this matter and ensuring that my credit report accurately reflects my creditworthiness. 

In addition to the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information to consumers and to investigate and correct any errors, I believe that the following laws also apply to my case : Fair Debt Collection Practices Act ( FDCPA ) : This law regulates the practices of debt collectors and prohibits them from engaging in unfair, deceptive, or abusive practices when attempting to collect debts. 

Fair Credit Billing Act ( FCBA ) : This law requires credit card issuers to provide consumers with accurate billing statements and to investigate and correct any errors.

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions based on factors such as race, gender, religion, national origin, age, or marital status. 

I am hopeful that with your assistance, we can resolve this matter in a timely and satisfactory manner. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank suddenly closed my Costco Anywhere VISA card after I successfully shopped at Costco gas station by using this card. The closure notification says my account was inactivate but I just used my card! And there is no warning email or mail sent to me in advance to remind me to use the card otherwise it will be closed. 

The attached XXXX statement showed no account close info, but it showed {$69.00} in balance. Why say the card is inactivate? 

By the way, the authorized account user is the Citi Gold client.
Consumer complaint received 2023-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I bought a house in XXXX and my lender was XXXX XXXXXXXX XXXX up until XX/XX/XXXX when M & T Bank bought my loan and my new lender changed to M & T Bank ( something I had no say in the matter ). 
I've always carried up to date home and flood insurance policies with XXXX XXXXXXXX XXXX, with no issues, with sufficient coverage. 

The new lender, M & T Bank, notified me that my flood insurance policy was insufficient. ( My flood policy wasn't due for renewal until XXXX XXXX, it was up to date, paid in full, with no lapse or anything, and XXXX XXXXXXXX XXXX never had an issue with the amount of coverage I had ). 
Well M & T Bank forced place a lender policy of {$420.00} to cover the time period of when they took over my loan ( XX/XX/XXXX ) until my renewal XXXX XXXX XXXX because they are saying I did not carry adequate amount of coverage from when they took over the loan. 

So now, as a consumer, I am being punished with this steep charge for something that was completely out of my control- my loan being taken over by another bank, and in the middle of my policy period that was ALREADY written and paid for in full, and in effect. And they are charging me because the amount I am carrying in the middle of policy does not satisfy THEIR requirements. I do not find this just or fair at all. For my renewal period XXXX XXXX XXXX XXXX XXXX I did increase to satisfy their requirements, but I should not be penalized for those last 3 months of my policy period when they took over my loan as I had NO idea I did not carry adequate coverage as XXXX XXXXXXXX XXXX  never had a problem with it and I had already paid for this policy and was almost up to my renewal anyway. 

I've spoken to several M & T Bank representatives and they all told me misinformation and conflicting things. Some M & T Bank representatives told me I was fine, and they removed the lender placed insurance, and then I find out, that no, I am not fine they've placed another one. I've spent countless hours trying to resolve the issue, going back and forth my with my agent, and with M & T Bank, but I am going in circles. Their personnel and training is clearly lacking and is very convoluted. This bank is very unprofessional, confusing, and even to speak to a representative you have to wait 10 minutes before you can even have the option to speak with with a representative. They really make it difficult and confusing for their customers. It has been a nightmare, an awful experience with this bank.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MS)

Usually when an account is 90 days late it's your car will be considered for repossession. 

My account is NOT 90 days late and my BALANCE OWED is less than {$1000.00}. 

Hyundai Finance has locked my account so that I will not be able to make any payments and once my account is considered 90 days past due, they can repossess and make more money by charging fees to obtain the vehicle back.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-08
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. (NY)

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any XXXX  party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of XXXX  identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, XXXX and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within XXXX  days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.
Consumer complaint received 2022-10-28
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. (NJ)

I disputed a company called XXXX XXXX XXXX reporting on my consumer file that its inaccurate information reporting, to Equifax, XXXX and XXXX they all said they investigated, and it came back as verified and accurate, but how is that when it's a collection reporting as a past due balance this is a violation of the FCRA and is also in violation of Metro 2 Compliant reporting standards. Equifax, XXXX and XXXX are not reporting a date of last activity, XXXX or XXXX is not reporting a high balance and XXXX is reporting a collection account as opened and past due balance and Equifax is reporting a collection account as opened and past due which is not under FCRA compliance, according to the letter, I received from the company that is reporting this account on behalf of XXXX XXXX XXXX. Equifax, XXXX and XXXX all have a different account number from the company. Please see attached letter I provided from the company for proof that the account numbers that's on my credit file is different from each of the CRA 'S.
Consumer complaint received 2022-10-28
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. (SC)

I am a victim of identity theft. I had filed complaints to the XXXX bureaus ( TransUnion, XXXX and XXXX ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the FCRA. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Convergent accounts has violated my rights, 15 USC 1681 section 602 A states I have privacy rights, 15 USC 681 section 604 A also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s -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 information is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, also XXXX XXXX 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
Consumer complaint received 2022-10-28
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX; XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am rewriting to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, also XXXX XXXX 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
Consumer complaint received 2023-08-11
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: Upgrade, Inc. (SC)

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : UPGRADE INC XXXX UPGRADE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( UPGRADE ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Therefore, I sent them a letter on XX/XX/2023 along with a copy of my drivers license and a copy of a utility bill to verify my identity. 

I provided them 10 calendar days to update my Payment history and or delete all late payments from the below account/s. They have not done so.