davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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)

accordance with the Fair Credit Reporting act Account # 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 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The Bank Ive had for XXXX yrs. is putting charges onto a card and account that has been closed for XXXX weeks now back in the end of XXXX ( XXXX ) and i havent used these cards from XXXX since then. ( I cut them in half immediately when i closed my accounts ). This all started when i closed all my accounts at XXXX and went to XXXX XXXX just up the street from XXXX because citizens denied receiving my XXXX XXXX  payment ( direct deposit for many years ) becaused i'd already closed my accounts at citizens and told them SSA.gov has told me you got my XXXX payment and processed it but they told me they didnt get the payment ( a blatent LIE ) and wouldnt let me have it. Finally, XXXX got the payment back from them ( Citizens ) and sent it to my new financial institution> ( XXXX ). Now they are trying to extort money from me with collection letters and phone calls that i think look almost phony to me. Also the charge in question was paid by my mastercard at my new bank and i have the proof. I have documents to add to my complaint but no way to load them here online but i can send them in US mail or fax them to you. thank you
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.Account Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX SSN : XXXX Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
<name of the company with unauthorized inquiry> XXXXXXXX XXXX XXXX XX/XX/2023 Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission.
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

I paid off this loan in full recently I know this company takes a long time to report it and I need to have this account to be updated as paid off in full to the credit bureau and never borrow from this company again. 

Please report this XXXX balance loan to the three major credit bureaus thanks you
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST HORIZON BANK (TX)

I received a flyer advertising an interest rate of 5.38 % APY from FIRST HORIZON so I opened an account. At the end of the process, the banker goes over the documents, " here is your account #, the disclosures, etc. '' then she says and the term of this promo is for 6 months. No where in the fine print did it mention a promo period. They also had a CD special and that stipulated an 11 month period, but nothing for the money market savings account. When I questioned her she said it should be in the fine print, but it wasn't. Rates are so competitive now I may have opted to go with a different bank, but my new account was already set up.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (FL)

In accordance with Fair Credit Reporting act XXXX Account # 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 2022-04-19
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. (MI)

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 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. 

1.XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX 3.XXXX XXXX XXXX  XXXX  - XXXX XXXX 4.XXXX/XXXX  XXXX
Consumer complaint received 2019-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

On XX/XX/XXXX and again on XX/XX/2018 ( for the first time in my life ) I visited the ER at XXXX XXXX XXXX XXXX. While there I gave my insurance information and both days I paid a {$50.00} copay ... {$100.00} total for the two visits. I was seen by a Dr. XXXX on the XXXX and on the XXXX by Dr. XXXX, ( both worked at XXXX as contract ER doctors supplied by XXXX XXXX XXXX. XXXX XXXX. ( phone XXXX ) ) Not too long after this date XXXX XXXX XXXX XXXX closed it's doors and went into Chapter XXXX bankruptcy. Nearly a year later I receive a bill from a Kings Credit Service stating that no insurance had paid and that I was being charged for treatment. I contacted KCS and got no good explanation, they said they knew nothing except that I had to pay. I don't know, but, I suspect that perhaps XXXX failed to submit my claim correctly during their bankruptcy issues. Finding this problem out I quickly contacted XXXX and was told to file a form and that they would investigate. XXXX did just that and supplied me with documentation ( see attachment ) that shows that XXXX has paid these claims as submitted by XXXX. I immediately called KCS with this information. They don't answer their phone so all I could do is leave a voice message and mail info. I felt I had done the work and it was over. But no, Kings Credit Service just days ago again sent me a bill ( each time adding substantial late payment fees ) asking how I plan to pay them. Adding more insult to injury they've now also put a pretty hard hit on my credit score. As I've shared, I have complete XXXX documentation but KCS does not seem willing to even investigate what I have given them. I've done a lot of work to resolve this but I'm now becoming concerned that this maybe some sort of a scam and that the only way to deal with KCS is to pay money to them that I DO NOT owe. I do want them investigated for possible fraud, I want closure, and I really want KCS to do right and get my credit score restored to Excellent, as BTW it has been ALL of my adult life.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Consumer complaint received 2023-01-05
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. (TN)

I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. XXXX had failed to fix this error because the date remains the same. I've never once denied ownership of this account with XXXX and experian, my disputes have always been based on inaccurate reported information. 

XXXXs results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXXXXXX under XXXX tracking XXXX and waiting for there response in the mail.
Consumer complaint received 2023-11-29
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. (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.u.s.u. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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...

15 u.s.c 1681 C. ( 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 than seven years..

15 u.s.c 1681 S-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...
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Consumer complaint received 2023-08-14
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

I recently contacted XXXX 's Special Handling Department to inquire about a collection account that's being reported on my credit profile. I am not responsible for this account, have no knowledge, and have never had an account with that creditor at that address. I asked if the reporting creditor had provided proof of ownership for this disputed account. 
Surprisingly, I was informed that XXXX does not typically request validation documentation. Instead, they rely solely on a response from the creditor, deeming it valid. I then raised a crucial question : How does this process guarantee the accuracy of the reported account information? In response, I was informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting inaccurate information. 
I emphasized that I had already raised this issue with the creditor through the Consumer Financial Protection Bureau ( CFPB ). In response, L.J. Ross Associates Company stated that the complaint did not belong to them. They mentioned the possibility of reopening the request but cautioned that if the creditor responds again with validation, XXXX will continue to report what the creditor wishes. This would leave me with no recourse but to file another complaint.