davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, 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 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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  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: Improper use of your report — Credit inquiries on your report that you don't recognize
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 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a 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 written instruction.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a 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 written instruction.
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 — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (GA)

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 account without my written instruction. The company reported late
payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) o
f this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I  CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (CA)

Sent a letter stating that I owed money on a debt that is past the statue of limitations. The debt is 4 1/2 yrs old they can not collect on this debt anymore
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

OCWEN has engaged in fraud as it relates to my mortgage loan and fail to follow statutory guidelines pursuant to FHA loans that require a face to face meeting for loan modifications.. They have delayed modifying my loan three years even though I sent all required documents to them three separate times. OCWEN intentionally delayed so that they can foreclose on my loan. I am now in foreclosure and afraid that I will lose my home for sixteen years. This is utterly unfair and should be crime to allow them to treat minorities this way. I believe they target the minority community and defraud them and violate their rights.
Consumer complaint received 2022-06-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the XXXX bureaus transunion, XXXX, and XXXX and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


1. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : 5. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

6.Validate Account XXXX Account Number : Please remove it from my credit report. 

7. Validate Account XXXX Account Number : Please remove it from my credit report. 

8. Validate Account XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2021-09-04
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. (OH)

XXXX XXXX on behalf of XXXX XXXX - XXXX XXXX obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (LA)

Someone fraudulently opened an Affirm account on XXXX to make a {$60.00} purchase using my identity on XX/XX/2022. Affirm will not tell me what the purchase was for. I contacted XXXX to find out what the purchase was, but they could not tell me because the account was opened under a different user account. I never received a {$60.00} item from XXXX, and I have no idea what was purchased. I tried to dispute both the fraudulent account opening as well as the fraudulent charge, but Affirm denied my dispute. I can not dispute the purchase on XXXX because it was made under a different user 's account. Affirm will not allow me to close the account unless I pay them for the fraudulent charge, so whoever opened it can continue to make charges in my name. Affirm placed me in collections and are negatively impacting my credit report. I absolutely refuse to pay for an item that was purchased under a fraudulent account opened under my name. I am disgusted that Affirm continues to bully me.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft by a collection company called XXXX XXXX  XXXX and now by the Credit Bureaus Experian XXXX XXXX and XXXX, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) XXXX to cure letter ( attached ) why the XXXX XXXX XXXX wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX- XXXX XXXX Credit Limit- {$8500.00} This is being report inaccurate on my XXXX and Transunion credit report. It shows up on two out of three. XXXX does not show this on my credit report. This is an violation of the

Fair Credit Report Act. Per US Code 1681 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I have called Chase XXXX credit card company multiple times to resolve this matter, but the issue still stands, and it is hurting my business and personal credit. I have filed a dispute twice against charges that were not authorized. 
The first time the investigation was open, it lasted a few months. I received a phone call from a lady that did not want to hear what I had to say, instead, she accused me of all the charges that were on the account. I tried to explain everything, but she did not let me speak at all and was told goodbye from the Chase team. 
The second time I called and complained about the lady who was rude to me and didn't want to hear my side of the story. Unfortunately, no action was taken against her as nothing was documented on the account to whom I spoke with regarding this matter. The second time I requested the case to be reopened against the invalid charges, within two weeks or less the case was dismissed. I was sent a letter stating the investigation has been closed and the charges belong to me. 
This is a Chase XXXX  credit card that started with a limit of under XXXX XXXX dollars and ended up with a balance near XXXX XXXX dollars. I asked the Chase representative how my credit card limit went up to nearly XXXX XXXX dollars in which I was told by the representative that I had requested the limit to be increased. This is completely false and they did not want to mention this again when asked since the credit increase was not approved by me. 
Please help with resolving this matter as my credit score went from close 800 to about 600. Being a business owner, I must maintain good credit. I have high expectations from Consumer Financial Protection Bureau to help resolve this matter. 

Regards, XXXX XXXX
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: EQUIFAX, 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 COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 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 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. (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 COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 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 2022-06-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX  Account, XXXXXXXX Account has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX Account, XXXX  Account has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-02
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. (WA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}