davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX BANK # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-06-02
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. (CA)

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Consumer complaint received 2024-03-21
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)

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 XXXX  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 XXXX  days old.
Consumer complaint received 2023-03-02
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. (AZ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  ; XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

" I am a consumer and consumers have the right to privacy. 
Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what CAPITAL ONE is doing by demanding I owe an alleged debt. '' It has been reporting for 8 years
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Thank you for your previous response on XX/XX/2023 for XXXX XXXX  Account number XXXX and on XX/XX/2023 for XXXXXXXX XXXX Account number XXXX, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.
Consumer complaint received 2023-05-30
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. (MS)

The account reported {$200.00} on the XXXX and was completely paid on the XXXX of XXXX. On the XXXX the balance was disputed but still was reported as having a {$200.00} balance when in fact the account was paid in full. I contacted XXXX XXXX and was told to give them 72 hrs on XX/XX/XXXX which I gave them until XX/XX/XXXX to correct the balance being supplied to the credit reporting agencies. It was not updated as of today. I contacted XXXX XXXX and spoke with a Senior Manager named XXXX and a representative named XXXX that stated they can only report the account as {$200.00} until after XX/XX/XXXX th which is clearly inaccurate and false information.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT XXXX AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE ACCURACY AND FAIRNESS OF CREDIT REPORTING. THE CONGRESS MAKES THE FOLLOWING FINDINGS : ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTING. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM AND UNFAIR CREDIT REPORTING, METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (NC)

Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (NY)

On XX/XX/XXXX I had an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. In XXXX I was shocked to receive a bill for {$680.00}. I was shocked because ( 1 ) it was a XXXX XXXX XXXX XXXX XXXX and ( 2 ) they claimed it was not covered by my insurance. On XXXX  I called the XXXX XXXX phone number to get an itemized bill ( I requested clearly and itemized bill ) and to gain more details. I spoke to representative " XXXX '' who was evasive and did not want to provide an itemized bill. I asked for a supervisor and was connected to " XXXX ''. When I asked for an itemized bill, " XXXX '' hung up on me. I called back and after being on hold almost 45 minutes I got " XXXX ''. I once again stated my skepticism that a XXXX XXXX could be {$680.00} and once again asked for an itemized bill. " XXXX '' acted professionally and stated I would get an itemized bill, BUT I NEVER GOT IT. Instead I was refered to the collection agency Arstrat. From my insurance company I found out that the maximum allowable was {$380.00} and that my insurance company HAD paid them. I contact Arstrat on XX/XX/XXXX after then send me a collection notice. The initial representative was hostile and placed me on hold when I informed them that I was disputing the amount, would demand validation and that I felt it was medical insurance fraud. I demanded a supervisor and was connected to " XXXX '' ( sp? ). She was slightly more professional but also tried to make me jump through hoops re-stating all my information when they cleearly had it. To conclude, ( 1 ) I was over charged, ( 2 ) they have failed to credit my medical insurance payment and ( 3 ) put me in collections when I raised questions about this all.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind this information be reported to a credit reporting agencies ; nor was I given the opportunity to deny. Again, I have the right to privacy, and what goes on my credit report. Please update all information to reflect paid as agreed and refrain from any such actions in the future.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2021-02-19
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: EQUIFAX, INC. (GA)

I have disputed an alleged bankruptcy that Equifax continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Equifax continues to report the item on my Equifax consumer credit report.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Reference Complaint ID : XXXX-XXXX Thank you for your assistance in my attempt to close out five savings accounts with Capital One. You have all this information in my complaint file. I attempted to call Capital One as per their suggestion after CFPB got involved. This was unsuccessful as I could not get through their phone maze. Thus their solution was no solution at all. Capital One has the written/signed letter from me requesting the close out of these accounts ( 5 ) and wire the funds ( c. {$64000.00} ) to my checking account. All this information is one their system. This has been going on for a month. This is unethical and illegal. Please intercede again in the expectation of finally getting this done.
Consumer complaint received 2023-05-30
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have asked Transunion to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Secti on 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosur e. My first request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . My second request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Transunion has denied my right as stated on FCRA. I ask you to step in and demand Transunion to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.
Consumer complaint received 2022-10-20
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. 

XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # 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 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. 

Also, XXXX XXXX XXXXXXXX and XXXX XXXX  are reporting XXXX different account numbers : -XXXX XXXX XXXX account # XXXX in Equifax and XXXX in XXXX and XXXX XXXX XXXX account # XXXX in XXXX and XXXX XXXX