davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (MN)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681 ( 2 ) ( 1 )
Consumer complaint received 2022-06-03
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)

In accordance with the Fair Credit Reporting account 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 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Complaint against : Experian ; XXXX  and XXXX. Each is reporting incorrect information on my account. Combined they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX XXXXXXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Pentagon Federal Credit Acct # : XXXX... 
Balance is inaccurate. Should show XXXX Balance Information is inaccurate Dates are Inaccurate Mixed up with Ex-Wifes account Please show XXXX Balance or remove
Consumer complaint received 2022-06-03
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. (TX)

In accordance with the Fair Credit Reporting Act, XX/XX/XXXXAccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, andXX/XX/XXXXAccount # 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 an account without my written instructions.
Consumer complaint received 2022-06-03
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 an account without my written instructions.
Consumer complaint received 2022-06-03
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: LEXISNEXIS (IN)

Hello, My name Is XXXX XXXX and I am filing a complaint against LEXISNEXIS for committing identity theft & Fraud. I have never given LEXISNEXIS permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT LEXISNEXIS would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give LEXISNEXIS neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and LEXISNEXIS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit reportXXXX PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
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: EQUIFAX, 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 2022-04-15
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. (TX)

XXXX XXXX and equifax are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my XXXX  results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX XXXX and equifax are violating the fcra and all agencies are violating my right to privacy,.
Consumer complaint received 2022-12-29
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)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of cybercrime where I was scammed into purchasing an annual service that did not work and was only in beta form. I was not able to use the product purchased as it was not as advertised and was not a complete product. In XXXX of XXXX, I purchased a service online to help search and apply for XXXX XXXX  with the company XXXX. I was to receive access to my product portal immediately but was not able to access it appropriately until almost a month into the service. When I was able to log in XXXX they finally agreed to set up a time where I can learn how to use and manage the tool. Upon my training, I was informed that the product I was given access to was not the " real '' one but the beta version which is why I could not actually apply for the government projects. I was taken aback as I did not pay for any beta or to be a test dummy. I asked to be immediately upgraded to the paid version as I made a XXXX annual payment for the service. I was then informed that I would not have access to the paid version until I made the full payment upfront. I requested to be reimbursed but they refused. The bank has been informed of this multiple times and refuses to assist. The only thing that they say is that Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : The info we got from the merchant shows this is a valid transaction. 
You can still try to resolve this directly with the merchant ( s ). 
To request copies of any documentation used to make this decision, call us at XXXX. 




The bank has no interest in helping me resolve this issue.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

My Targeted EIDL Advance was deposited into my personal checking account. Chase Bank froze all of the funds and would not tell me why. I supplied them with an EIN and my SSN ( which I used to get the loan approved ). This is a very bad business practice and should not be allowed. It was more than just about the money for me. It was that Chase did not believe I even deserved an explanation. I hope this helps someone in the future. Best advice is to not do business with Chase Bank.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept EDXXXX XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX  accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Consumer complaint received 2020-04-06
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. (CA)

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept EDXXXX XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX  accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  - Date of inquiry : XX/XX/2023 XXXX XXXX - Date of inquiry : XX/XX/2023
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through Nelnet currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept ED/ Nelnet which is Nelnet. 

XXXX status should be reported as closed - Transferred. 

Nelnet - should show is open. 

However, my credit report shows ( 5 ) nelnet accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ Nelnet is the same exact Nelnet open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Consumer complaint received 2020-04-06
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: EOS Holdings, Inc. (OH)

On my XXXX  credit report it shows a delinquent account. This account went delinquent in XXXX, after an Ex refused to pay his bill after the relationship ended. I became aware of this delinquent account in XXXX when i pulled my credit report. It was bought by a new collections agency ( EOS CCA ) recently and that collections agency is reporting as a new account, using the date they bought it as the date it was opened. I know that this is illegal! They must use the original date, even if a new company purchased it. I filed a dispute and asked for the date to be changed but was denied. This account is showing to be opened on XX/XX/XXXX, when it actually went delinquent in XXXX. This past due account dropped off of my XXXX  report because it was not reported with the new date there.
Consumer complaint received 2019-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2019, I send {$50.00} + 3 fee Minutes later, I got the following message, Dear XXXX, We're sorry, but your bank declined your most recent payment to Western Union. We want to help you complete this transfer. Here is what you can do : 1. 
Please call the number on the back of your credit or debit card and ask the bank to approve your Western Union transaction. 
2. 
Then try your transaction again with the same credit or debit card. If you still need help, please call Customer Care at XXXX. If it happens again, please try another credit or debit card. You can also pay with your bank account, but you will need your routing and account numbers. Or you can send money to your receiver through your bank without sharing your bank information, like bill pay. Learn more about this option. 

We're sorry for the inconvenience. Thanks for using Western Union. 

When I called the number, I was answered by a voice telling me that I have a debt. That person was making threats. That same person is still calling my number and leaving threatening messages.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with XXXX when the balance is XXXX, paid in full. Also Experian and XXXX have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.
Consumer complaint received 2020-04-06
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. (SC)

Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA. 
Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor. 
In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint.

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have been under a {$0.00} IDR repayment plan on my student loans serviced by XXXX for 3 years. XXXX has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months XXXX will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

XXXX reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments XXXX reportes as on time by the total number of months reported under the loans ( which includes months where XXXX reports no payment information ) the resulting on time payment calculation is misleadingly low.