davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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)

This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # XXXX XXXX  all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2023-01-23
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. 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 I do not have the account number for the last two accounts, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative 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 2022-05-24
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. (TX)

FCRA violations : inquires not mine XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX / Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX / Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX  : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$3200.00} {$110.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$16000.00} {$1100.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 10 months 14 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 10 months 14 days 3 FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 6 years 4 months 24 days XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 11 years 2 months 21 days 4
Consumer complaint received 2022-05-24
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-11-01
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. (LA)

I accordance with the Fair Credit reporting act, the following accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-05-24
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-24
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. (GA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-03-30
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: FastBucks (CA)

i applied for a loan in 2011 and due to my credit i was denied a loan. i am now receiving phone calls from a mediation services scompany telling me that i had money deposited to my bank account which was not open during the time they claimed they deposited money and asking me to pay them XXXX dollars for the charge to be filled. I requested the company 's address and information and they hung up on me various time.
Consumer complaint received 2022-05-24
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)

contacted this company by mail XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested VALIDATION of accounts but I keep having the response verified despite asking for Validation. A collection account with XXXX  by law I am allowed to see how this is validated. Being that the law states to be on a credit report as a debt the company must have proof of a contract with their letterhead plus my original signature to be valid. So can I ask this way to show me this proof? If not remove as the law states. I asked acceptance now to be fixed being I was never late. All three times the information was changed, which now shows was a insurance claim? I have the merchandise in my living room, paid in full. This was never a claim, never was late and inaccurate in reporting. Please update this as never late and not a claim or remove Immediately. Please remove as I requested prior XXXX XXXX  and XXXX XXXX Both these accounts show 100 % paid on time but both charge offs. This is inaccurate data and by law must be removed. I also, which was ignored requested proof of how inquires were made. I called every company and they have no record of me and directed me back to you. I wrote requesting info or be removed to being IGNORED. Please answer who is cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-24
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. (LA)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-05-24
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. (IN)

These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I signed up for the Citi Premier Card with an XXXX point sign-up bonus for {$4000.00} spend within 3-months. I didn't receive my credit until nearly a month and a half later on XX/XX/2022. During this time, I had to call Citi 4 times to ask them to resend my card before it finally arrived at my address. Each time I called, I asked for clarification if this would affect my sign-up bonus. Each time, the customer service associate assured me that I could simply ask for an extension, and it would not be an issue. 


On XX/XX/2022, I called Citi and asked them for an extension after using my card for a few months, they informed me that a request for an extension would be filed. I had to call Citi an additional 3 more times, before I received an answer on whether or not I received an extension today on XX/XX/2022. I received no explanation for why I was denied, had no ability to communicate with a supervisor and no indication that my concerns regarding my card arriving late were even considered.
Consumer complaint received 2022-05-24
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. (AL)

I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 15 U.S.C 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. I circled everything inaccurate with red INK!
Consumer complaint received 2022-05-24
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, has 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 166B : 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 2022-05-24
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: Bread Financial Holdings, Inc. (FL)

Im accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose
Consumer complaint received 2022-05-24
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an account without my written instructions
Consumer complaint received 2022-05-24
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. (NY)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I had requested a investigation into multiple accounts reported on my credit report. The credit company all three times came back verified despite my specific requests in XXXX. How they came out with result of verified. But they simply respond verified which is not what I requested at any point. 
How is the question. 
In terms of my XXXX collection, XXXX XXXX XXXX, HOW are they verifying this? I have proof that XXXX PAID this in full. This is NOT a collection account. So how can they verify something that is not true? They state the XXXX accounts with XXXX are verified as well as XXXX XXXX. What is XXXX XXXX exactly? The XXXX XXXX cards XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX are INACCURATE in reporting which by law requires them to be DELETED. Not XXXX of these accounts show date I went into default or my payment history which the law states to show. How will you know or if my XXXX years are over? The XXXX XXXX account listed has been on my report 7 years and still reporting. 

Then my requests about inquires is IGNORED. There are multiple that I never authorized. I contacted the companies and was directed to the credit agency being they have no record of me. So why is it I have these random credit inquires? Why am I ignored when asked about them? XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX; and XXXX XXXX XX/XX/XXXX.