davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (NC)

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 Bank : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Bank XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-06
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. (PA)

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. 
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-04-11
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: ALLY FINANCIAL INC. (IL)

Due to my tenant at my rental property being late I had to pay for XXXX mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at Ally and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX XXXX. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXXXXXX XXXX XXXXXX/XX/XXXX to end my payment arrangement because it hurt me more than helped me.
Consumer complaint received 2022-10-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX, Court : US BKPT CT GA XXXX Reference Number : XXXX, have 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 or 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 2024-01-24
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. (FL)

Im really disappoint in how Ive been treated on XXXX XXXX XXXX  end throughout this process and this is affecting me and my familys life drastically I reached out on XX/XX/2024 CFPB complaint ID XXXX regarding a original contract for this debt signed by all parties and still havent received it you stated you put the account on hold until it is verified and it is still showing on my credit profile this is in clear violation under The Fair Credit Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
and XXXX XXXX XXXX has done nothing righteous this is unfair and if they are doing this to me imagine who else they are doing this too.Can you please fix it.
Consumer complaint received 2023-03-06
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 act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-06
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. (HI)

I sent a Letter to Experian Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 

These are clear violations of my federally protected rights.
Consumer complaint received 2022-10-28
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: DISCOVER BANK (NC)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Discover bank account # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (NC)

I am complaining to the CFPB that Equifax is retaliating against me for filing disputes against them for being dishonest and lying with regards to several disputes against Equifax and XXXX XXXX XXXX, and proved that Equifax had lied when they claim to have investigated these validation disputes regarding XXXX medical bills being reported by XXXX XXXX XXXX, where they admitted they never had validation for years and all three credit Bureaus lied when they said they investigated. If they had of investigated the disputes they would of found there was no validation info available until XXXX months ago when FDS sent me a medical statement violating my XXXX protection and have lied to the CFPB. 

Equifax are now retaliating against me and making my score low and leaving inquiries I have no connector with on my credit report and has systematically refused to remove inquiries off my credit report even after me providing the identity theft report and a police report. 

Retaliation. Please notify law enforcement. 

Someone tried to sabotage my credit report and none of these accounts have nothing to do with any of my accounts the XXXX which I verified. 

I have also placed fraud alerts as required, have followed all procedures, and I want an investigation into their failure to follow procedures. 

Again, per there request I have submitted an identify theft report and police report almost 4 times now to Equifax on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. Equifax refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. Equifax needs obey the law and remove these inquiries immediately as provided to them in the government documents.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-06
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. (FL)

Experian didn't conduct a proper investigations into my dispute as my rights were violated. Please refer to the below. 

CFPB # XXXX
Consumer complaint received 2022-10-28
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-08
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. (IL)

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 itemsI '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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items 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
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with XXXX XXXX.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # starting with 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 2023-03-06
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: Experian Information Solutions Inc. (PA)

I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with XXXX bank theres no XXXX bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call XXXX and they instructed me to this website to get this removed off of my credit I have also sent XXXX my police report that I filed with my local police department
Consumer complaint received 2023-03-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-06
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-DEPTEDXXXX  ACCOUNT # XXXX 2-DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 4XXXX ACCOUNT # XXXX 5-XXXX  ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX 9-XXXX XXXX  ACCOUNT # XXXX 10-XXXX XXXX XXXXCCOUNT # XXXX 11-XXXX  XXXX ACCOUNT # XXXX 12-XXXX XXXX  ACCOUNT # XXXX 13XXXX XXXX  XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ACCOUNT # XXXX 14-XXXX  XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) ACCOUNT # XXXX 15-XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) ACCOUNT # XXXX 16-XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) ACCOUNT # XXXX 17-XXXX  ACCOUNT # XXXX 18-XXXX XXXX ACCOUNT # XXXX 19-XXXX ACCOUNT # XXXX 20-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX 22-XXXX XXXX  ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24-XXXX ACCOUNT # XXXX 25-XXXX  XXXX XXXX ACCOUNT # XXXX 26-XXXX  XXXX - ACCOUNT # XXXX
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hey I been trying to report this but I got scam I met this old lady which her name is XXXX XXXX and she said she work at an office then she said that she needed a friend to talk too and she was an old lady and then she would pay me to talk to her do I started talk to her then she said that her account officer will be sending me the checks which her name was XXXX XXXX and she send then when I trying disputed the transaction I was too late and then they started threading me that when I receive the money I have to send to them otherwise they would find and that I didnt want that they started calling my phone everyday which the phone number they were calling me from was XXXX and the email the XXXX, I just wan na be able to open my account again please I need where to put my money at and I also have screenshots of all the conversations.