davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (IL)

There was a HARD INQUIRY reported to Experian on XX/XX/XXXX by XXXX. This was done fraudulently by XXXX and without my understanding or approval as a result of false information provided to me by one of their employees. I was placing an order for merchandise from their website via the phone. The person I was speaking to told me that I would get an additional discount on my order if I applied for their credit card. I told her that my credit was rated as FAIR, and therefore I would probably not be approved. She assured me that a credit credit check / inquiry would NOT affect my credit score. I believed her, and therefore applied for a XXXX 's credit card over the phone. I soon thereafter called the appropriate department to check on my approval and found that it only took them 15 minutes to immediately decline my application for credit. I later discovered that the credit check was indeed a HARD INQUIRY that now appears on my Experian Credit Report. I would never have applied for credit if I had been told that it was going to be a Hard Inquiry. Therefore, please remove this HARD INQUIRY reported by XXXX  on XX/XX/XXXX.
Consumer complaint received 2022-06-22
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. (VA)

XXXX XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA. XXXX I previously sent a letter to you disputing the accounts listed below as being inaccurate on XX/XX/XXXX, and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX. As of today, I have yet to receive a response from your bureau. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are permitted 30 days to investigate disputes from the time you receive them I am assuming that since you have failed to respond to my dispute within the time allowed that you were unable to verify these items. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Enclosed you will find a copy of my original letter showing all the accounts I have disputed. Thanks in advance to your timely response to this request.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

RENT DEBT AUTOMATED IS VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT BY CONTINUING TO REPORT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT THEY ARE TARNISHING MY GOOD NAME AND AFFECTING MY CREDIT WORTHINESS OVER AN ACCOUNT THEY HAVE NO RIGHTFUL USE TO AND THAT IS THE RESULT OF IDENTITY THEFT. IF THEY DO NOT REMOVE THIS ACCOUNT I WILL HAVE TO ESCALATE THE MATTER FURTHER.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an Emergency from BOA ( my bank NEVER uses this to identify the message ) text late in the evening from ( XXXX ) XXXX requesting me to use a link the text provided, to check my personal banking account, and verify if I approved an extremely larger Bill pay which will be debited from my bank account. This text was meant to trigger me into using the link required check my bank account.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (IL)

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 XXXX Account Number : XXXX  has violated my rights. Or list of inquiries 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 2023-05-12
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. (GA)

XXXX XXXX XXXX  On XX/XX/2023, I filed a complaint with CFPB against, XXXX, XXXX and Equifax. As of today, some or none of those disputes have still not been resolved. 

Further, with regards to the investigations that the bureaus have stated are complete, upon pulling my reports today I find numerous inaccuracies.I am baffled that these accounts came back " investigated and certified as accurate '' when there are glaring discrepancies with all XXXX bureaus of said accounts. I am aware that by federal law, these accounts must be 100 % accurate if they are to be reported or they must be deleted and I am entitled to compensation for these willful violations under 15 U.S.C. 1681 Code.

According to 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 


Accounts in Question : XXXX XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX ( THIS COMPANY HAS REQUESTED THAT THIS ACCOUNT BE DELETED, HOWEVER, THE CREDIT AGENCIES REFUSE TO REMOVE IT ) XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (NV)

around or on the date of XX/XX/2023 I called WAYTOGO bank asking them to issue a new card for me because I had funds coming to the card I didn't have my old card, they told me they would issue the card out to me. After waiting around 6 to7 days I attempted to contact the back to see what was going on with the card I wasn't able to get through that due to the system being really hard to navigate so I called back the next day when I had time to, this time I was able to talk to some one it ended up being a lady who notified me that my card had been activated without my notice and was being used so I asked how did my card was activated if I never received it she told me that my card was sent via XXXX and was left at my front door. I told her I never got that package so she sent me to the fraud claims department they started my claim and I was told I would have have to fill out some papers and mail them back in so I did that, I also emailed them. I was notified my claim was denied do to conflicting information.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (MI)

XX/XX/2023 I joined creditassociates to help with my debt. XX/XX/2023 XXXX XXXX Venmo ) contacted me and I told them I couldn't pay that I was working g with a company to take care of debt. I asked if the call was recorded and they said yes. I asked them to only contact me by mail and not to call. Today I got another call from them. I told them I was working with someone to get things taken care of and not to call that they needed to contact me by mail. She then stated no one has contacted them since the last time they called me. I said I never talked to you. She said we talked to you on the XXXX of this month. I then stated then you should have not called me because I have already told you not to. I later got a notice through email that they changed my phone number on my venmo account...
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. (NY)

Both XXXX and Equifax have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. 

But that is all incorrect! As XXXX XXXX  can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report that incorrect information to XXXX and Equifax, and there was never a delinquent nor overdue. 

XXXX XXXX  has fixed the mistake, but XXXX and Equifax continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So XXXX and Equifax should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (AR)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-14
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-14
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. (GA)

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. 

has violated my rights. Or list of inquiries 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 2023-05-12
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
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. (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.

has violated my rights. Or list of inquiries 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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

DUE TO BEING A VICTIM OF IDENTITY THEFT, BECAUSE OF **EQUIFAX DATA BREACH ( CCRA ) ** I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. ///MAKING POLICEREPORTS//// HAVING TO FREEZE MY ACCOUNTS///MY MAILBOX HAS BEEN BROKEN INTO. CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO COORECT THIS MATTER IN GAS//MILEAGE/ COPYS/FAXES/ POST OFFICE MAILING. I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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: Experian Information Solutions Inc. (FL)

I was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They must be eliminate due to their inaccuracy
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I had filed complaints to Experian on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX 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 Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2023-05-18
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX  ; XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

date : XXXX amount : XXXX XXXX XXXX I put the money into the atm machine of Bank of America XXXX which ATM ID is XXXX, but it was jammed on the machine, and then I could not pull out that jammed money, and then machine was closed, so I could not do anything, so I reported this to the bank and then they said they would investigate this and would let me know. 
But after a month, they are saying they check the XXXX and they were seeing I put some money in, but they do not know how much it is and then they can not check the money amount, so they do not want to pay back to me. 
I do not know what I should do next. Please give us some advice.