davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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)

These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX XXXX  Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX  Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 fil ing a legal complaint against you!
Consumer complaint received 2023-02-15
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. 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 XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number XXXX 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 2024-02-02
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. (MO)

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (OH)

15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX XXXX  Account number XXXX Inquiries XXXX XXXX XXXX  XX/XX/2021 XXXX card services XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX bank XXXX XX/XX/2021
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-08-03
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: WELLS FARGO & COMPANY (GA)

Wells Fargo Home Mortgage failure to MOV, pursuant to FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
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: EQUIFAX, INC. (NC)

My name is 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 2024-02-02
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. (NY)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (IN)

I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX and I only request to remove the inaccuracies
Consumer complaint received 2023-07-13
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)

I have occasionally tried to charge purchases on my XXXX credit card - those charges were refused due to a lack of funds. I understand this and try to add monies to the account ASAP. I am sure this happens to millions of consumers daily! 

What I do not understand, is that XXXX is reporting this to a credit agency ( Experian ), when it happens. If the card was refused- fine, I will try and correct it. But, why is XXXX reporting this to a credit agency ( see attached documentation )? This is having a negative effect on my credit score! It seems petty and spiteful. Is it perhaps because I have reported XXXX improprieties in the past? 

Please investigate and keep me informed of your progress. I will be in XXXX for the next few weeks and can best be reached by email. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-24
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)

I had five accounts become delinquent in 2014 due to a job layoff. All five accounts were charged off in late 2014. However, Experian has continued to report incorrect information, including reporting 2-3 of these as a new charge off EACH MONTH. They also continue to show the balance of all but one of these as a continually growing balance. I believe this is being reported in this manner as an attempt to re-age these accounts. 
I have reported and disputed the incorrect information with Experian, but they continue to report the incorrect information. They state they have " verified '' the information, which they provided no documentation or verification of. I do not believe they actually investigated it. Experian now refuses to even let me put in a dispute, stating they already looked at it so I can no longer dispute it. I have sent in two rounds of paper/hard copy in addition to the initial online dispute, and they have ignored both. 
Additionally, the reporting is inconsistent for these accounts, even though the delinquencies and statuses should be the same for all as they happened at the same time. 
The 5 accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX, and two accounts with XXXX ) should all show a charge off in late 2014 and no further charge offs afterwards. As they have been charged off, they should all show a XXXX  balance. The accounts should all show as closed by consumer, as I closed them at the time of my layoff, prior to delinquency. 
The fact that these are misrepresented as continuing charge offs or new delinquencies is grossly affecting my credit score. When these errors were corrected on my XXXX account, my credit score with them jumped over 40 points, just from putting the correct information on my record. Unfortunately, XXXX then allowed the companies to re-report the " new '' charge off data which returned my score to the low value. I understand that the delinquency from 2014 will stay on my report for 7 years, and I have no problem leaving the CORRECT information on my report - I was delinquent and the accounts were charged off. However, the continual re-reporting of these old delinquencies has prevented me from having a score and report that accurately reflect my credit worthiness, which has impacted everything from my ability to rent an apartment to the rate I can get to consolidate my remaining debt. I simply ask that the information on the report be accurate, which Experian has repeatedly refused to correct.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-01
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX FIN-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

I have tried to contact this company on multiple occasions and was not able to speak with someone that can give me an Acceptable answer of why I am being charged this amount. I have been sent an incorrect bill that I do not agree with.The amount of {$1500.00} is outlandish and is definitely NOT something I owe. I am being charged for things that are not correct and simply NOT TRUE. I have contacted this company on multiple Occasions and have gotten nowhere. Please help!!!!
Consumer complaint received 2023-03-07
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. (NY)

My name is 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 2020-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I just need to have this removed Please To whom it may concern ; Portfolio Recovery has not been able by the legal standard of the FCRA provide me with the required documentation. Please be advised this a violation of 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 your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to Ive asked Portfolio Recovery to please stop supplying unverifable info to my credit report ans to promptly have deleted all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the removal immediately. Thank you for your prompt assistance in this matter. 
Portfolio Recovery Acct XXXX The collection agency has supplied me with some documents that have been enclosed in this letter. If I am correct and I know I am this does not meet the legal requirements as per the FCRA. I have also filed a complaint with FCRB, FTC and the better business bureau regarding this matter. Regarding Portfolio Recovery and XXXX. I am a single mother of XXXX trying to get this rectified. 

Sincerely
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. (TX)

My name is 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.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by XXXX, Equifax, XXXX, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally dispute and request the removal of incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I have recently reviewed my credit report and found several inaccuracies that need to be addressed promptly. 

Specifically, I am requesting the removal of all outdated addresses except for my current address. The incorrect information on my credit report is causing significant harm to my credit score and financial reputation, and I kindly ask for your immediate attention to this matter. 

Details of the incorrect information that need to be removed : Old addresses that are no longer associated with my current residence. 
Any other outdated or erroneous information that does not accurately reflect my credit history. 
Enclosed with this letter are copies of documents that support my current address and identity, such as a utility bill, driver 's license, or lease agreement. Please use these documents to update my information accordingly. 

According to the FCRA, you are required to investigate this dispute and correct any inaccuracies within 30 days of receiving this letter. I request that you provide me with a written confirmation once the corrections have been made to my credit report. 

Please note that failure to comply with the FCRA 's guidelines may result in legal action, including but not limited to monetary damages. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the corrected information.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account without warning and and I was paying my monthly payment on time every month. They further ruined my credit with a note that they closed the account. I called them and they could not give me an valid explanation other than they saw my other accounts and decided to close it. They dont know what arrangements u had with the other creditors and I was paying them as well. There was no reason to close it without my knowledge. They jacked the interest up and will send out a high penalty if not paid on the due date. I had to fight one of fees as well as twice they had to refund me for taking a double payment out of my account. 

In my checking account I was charged multiple fees in the past when they claimed XXXX was the new overdraft fee and they claim that particular transaction wasnt covered and I had to still pay XXXX.