davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (TX)

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Consumer complaint received 2023-07-10
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. (PA)

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 2023-03-09
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. (DC)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2023-07-10
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. (OR)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I previously sent two update letters to all three credit bureaus to update my personal information, which is XXXX XXXX, and Equifax. I've sent them two different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history along with one address, employer and phone number.
Consumer complaint received 2023-07-09
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. (SC)

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX SC XXXX ]
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-07-09
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-07-09
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)

According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by this company is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. 
THIS IS 7 years old an have been inaccurately furnished onto my consumer report.FASLEY
Consumer complaint received 2024-02-29
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a claim with BofA about 10 days ago. I explained what happened just after it occurred only to find out the notes the wrote weren't even close to the occurrences I reported to them. The claim want filled correctly and I was talked to like I was an XXXX when they didn't even file the report according to what happened. I'm I'm beyond frustrated and can't believe how I've been treated. I knew the account has funds so I went to a BofA ATM and did Withdrawl. My boyfriend, who was my fiance at this point and was involved in ever aspect of my life and finances was with me. So he knew I had money in the account. When we returned home he started a fight with me which turned extremely physical resulting in him breaking my nose and leaving with my car. My purse was inside. He then made a transfer to another account of mine of which I lost the card for weeks ago but did put a spot on it or report it because I figured it had to be in my house somewhere. Then I remembered I had given it to him to get gas and he never gave it back to me but this is my fiance so no big deal right? I'm now learning how malicious he has been. He had that card, then found out my BofA card had money in it, stole my car and purse and proceeded to drain my account in doing a {$1000.00} transfer to that account and purchasing several things on my BofA card. I had made purchases on XXXX that went through the day of or the day after that I told BofA were legit. But I told them which ones weren't and was very clear about this. The police ended up recovering my now damage car and took him to jail. I have had 0 contact with him and never will again but the damage is done. I informed BofA that I I was not in possession of that card and they wrote in their notes that I was simply because I got the card back when my car was recovered. They wrote the report completely inaccurately cause my claim to be denied!!! The rep today tried telling me there was nothing more they could do and talked to me like I was a complete XXXX. I'm so done with bank of America!!!
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems reported this 'debt ' to the credit bureaus before getting in contact with me by phone, email or mail. They claim that I owe XXXX a property that I lived at 3 years ago, money even though I moved out in good standing. I have my final account statement from the property management group that managed XXXX during the entirety of my tenancy ( XXXX ). This account statement shows that I owe {$0.00} as of XX/XX/2021, 4 months after my move out date. Transworld Systems did eventually send me their 'proof of debt ', but it is from XXXX XXXX ( the group that currently manages the property but was not managing the property while I lived there ) and it shows that I owe {$400.00}. If you compare this with the final account statement that's attached, you can see that this was not the final account balance, but my balance as of XX/XX/2021. I do not owe XXXX  or this debt collector any money. Transworld Systems must close this account immediately and remove the collection notice from my credit.
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (MN)

Your format does not work for me. I have an XXXX  ( XXXX XXXX XXXX ) against my ex-roommate. He has been living with me paying no rent, not working and studying conspiracy theories on the web and XXXX. He has some hacking skills. He is XXXX XXXX and a XXXX. He had been trying proove to he was right about the XXXX and being able to pay bills with just the payment coupon from ones XXXX XXXX  that is set up at ones birth. He managed to convince XXXX companies that he had paid the account in full. They believed him for a few days they did an investigation and decided he was delusional about the payment as they could find it. XXXX immediately ran both of those cards balance back up to max. The credit card companies added back the original balance. So both XXXX XXXX XXXX and XXXX were now doubles and over my limit by thousands. He attempted this with all my cards and bills. He also claimed that there was fraud on my mortgage paperwork and I will get my house for free. I admittedly told him he was wrong. The n he gets very angry, XXXX XXXX XXXX XXXX XXXX. And some times he XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of his threats was that he was going to take my house and put me on the street. Well with my XXXX  he is on the street. I was researching the history of my property and found he somehow had added his name on the site XXXX XXXX  times. I voiced my concerns to the website made a FBI report, but further research stated reporting to the FTC, you XXXX  a police report. He has been telling friends and acquaintances that he owns the and is taking it from me. XXXX XXXX also has been talking about taking his dad 's ( XXXX XXXX XXXX ) house in XXXX, MN and putting him out on the street as well. XXXX had already had his name put on his dad 's property tax statement. He attempted Togo back to court to have my XXXX  removed, b you t he filed a motion instead of an appeal. I have become insolvent through all this and have enlisted XXXX XXXX XXXX to help me get back on track. Also during this time my debit card had been having fraud on it. My Credit Union ( XXXX XXXX XXXX ) shut down my debit card and will not issue me another new XXXX or even a plain ATM card. XXXX XXXX ( no middle name born XX/XX/76 ) is reportedly living in a storage locker in XXXX XXXX. I continually monitor what I can of my accounts. XXXX would go through all my stuff and paperwork when I was at work or out of town. My mortgage is currently held and serviced by US Bank they have been very understanding and helpful. I have no proof that XXXX is responsible for my debit card fraud. Others around me are convinced that he is.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX Acct ending in XXXX In XXXX when attempting to make an on time payment on XX/XX/2023 I learned that my payment would be late because it was after XXXX. When I spoke to the representative she advised that there is a cut off time which I never was aware of in the 2 years having the card. She also advise that no adjustment could be made on a closed account. I was not aware that my account was closed and why would it be given that the account is in good standing and has never been late. The account online still shows my available credit to use. 
The company is forcing consumers to generate a late fee even though I am paying in the due date. In addition, when I tried to make a payment at XXXX on my due date I also generate a late fee and after speaking with escalation XXXX , with his rude behavior advise me that my account was eligible for any adjustments because my account was closed. I explained to him that I was told by a rep in XXXX that she was escalating my account and things would be fixed on my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged XXXX XXXX  which was an account that was never approved of.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (DE)

This company Jefferson Capital systems does not have written permission by me to furnish this on my customer report. 

I do not owe this alleged debt. I'm requesting Jefferson Capital allow me to verify that I owe this alleged that send me a signed agreement with my signature stating I owe this alleged that send me a flow/purchase agreement of this alleged that with the original creditor. 

Please see attachments below
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX Inquiry : XX/XX/2022
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (MO)

I did an over the phone balance transfer with a manager on XX/XX/XXXX after receiving a letter in the mail with a 0 % interest balance transfer promo code ( XXXX is the promo code ). The manager told me that I was eligible for a 0 % interest rate for 12 months which is better than the 9 months on the letter so I said ok, to proceed. On XX/XX/XXXX I received notice that a statement was available. The statement had an interest charge of {$10.00} so I called BMO and spoke with XXXX. She said she would escalate this problem to be fixed and told me it would be fixed in 2 business days. On XX/XX/XXXX, I called them and spoke with XXXX. She stated the manager told her they are still working on it but they know it's a mistake on their end and that it wasn't something she could fix, it was sent to the back office. On XX/XX/XXXX, I called and spoke to XXXX and requested a call back from a supervisor. I never received any calls from anyone. On XXXX I called and spoke with XXXX  who transferred me to XXXX, a supervisor. XXXX told me it was sent to the back office and would be fixed within 2 weeks, before the next statement cut. She stated that they know the problem is on their end and the manager who did the balance transfer entered the wrong code and that she was aware that he received coaching regarding it. Today, XX/XX/XXXX, I received another statement with yet another interest charge of {$140.00} so I called BMO. I spoke with XXXX, XXXX ( I think, couldn't really understand him when he said his name ). He told me all he could do was ask the help line. His manager told him to report it to the help line again. I really feel like they are just giving me the runaround because nobody ever returns my calls and the problem still hasn't been corrected after a full month and now 2 statements with interest charges on them.
Consumer complaint received 2023-03-07
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. (CA)

In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022, I was on the chat with a customer service representative, about a payment. I wanted to close my account and he said that if I paid it in full that I would avoid interest charges. I paid in full in the amount of {$590.00} and closed the account. However a smaller amount was credited to my account and the company said I still owed more. I disputed this with a supervisor named XXXX and he said he would take care of it and the amount would be gone and back to {$0.00}. The same thing happened and only a smaller amount was credited to my account again. I disputed it and the same thing. Meanwhile I have been accruing interest charges and late fees. When I tried to dispute this again I was told it would be looked into. I then get a letter from a debt collection agency. I called Synchrony Bank again to dispute. Conveniently ever since it went to a collection agency, Synchrony Bank can not find a whole lot of information regarding my account. A letter came to me in the mail saying they need more information about the payment I made which I sent a bank statement. Another letter came in the mail saying they could not locate the payment based on information I provided which is why I am filing a complaint. I have been dealing with them for too long with no results. One of the statements attached will show that only a part of my original payment was credited and not the full amount. The other statements show past due amounts and interest fees that were accrued since said payment. I also included the bank statement that I sent to them showing that I paid in full.