davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (PA)

I the consumer, After discovering an obscene number of errors on my consumer report in XX/XX/XXXX contacted Equifax to dispute these errors and to validate all accounts from all furnishers with documentation. I sent in my evidence for how these accounts and their reports from the furnishers were all inaccurate due to fradulent contracts. 
After the reinvestigation the agency sent me the results with nothing on the report changed. The reports/claims from the furnishers did not include any documentation to validate the furnishers claims and if so they were not received at my request from Equifax. After my attempts I went over my credit report once again to discover over 50+ errors on my credit report, some I had not found prior to the dispute. I wrote an affidavit of truth and notice of intent to sue since Equifax has clearly revealed they can not report correctly and accurately on my credit reports, continue to add transactions and interactions with the furnishers, and all full account numbers for these reports as well as the dates opened are not correct. Their reports are unfairly doing me harm as a consumer and are defaming my character. 
In the notice of intent to sue I referenced all violations they are committing against me and what is to be done to cure the situation. I have been met with no communication since sending the notice of intent to sue via registered mail in XX/XX/XXXX to the agency and I am getting ready to move forward in US district court if no resolution is offered to me including the deletion of the accounts with these inaccuracies and compensation for the emotional and financial damages I have suffered from their 50+ violations.
Consumer complaint received 2024-03-16
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2024 To The responsible party in question, I, XXXX XXXX XXXX XXXX purchaser and regular individual, am mindful of all freedoms that I have, and which are safeguarded by The Congress under the Fair Credit Announcing Act ( FCRA ). The rundown of records has disregarded my governmentally safeguarded customer privileges to protection and classification under 15 USC 1681. 

XXXX. XXXX Formerly XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

Erase this record right away, except if you need to be held {$1000.00} per infringement 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

15 U.S.C 1681 Segment 604 A Part 2 : It likewise expresses a purchaser detailing organization can't outfit a record without my composed directions Erase this record right away, except if you need to be held {$1000.00} per infringement I'm Ready FOR Suit Earnestly, XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Debt Recovery Solutions, LLC (CA)

I took my son to the hospital back in 2020 and they billed his medical insurance which at the time was XXXX XXXX The hospital later told me they couldnt find his account and billed me personally instead and wouldnt work with me on billing XXXX XXXX Time after time my debt keeps getting sold to different debt collection companies that I dont know they are.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, Transunion XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance to the fair credit reporting act US Department of education account # XXXX and account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Pursuant to 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. The consumer is given opportunity to accept or deny. I am here to say that I have never been given any proper notice to give US Department of Education permission to share my information with you therefore this is identity theft and you are both violating federal law and I am demanding deletion from them In Accordance to the fair credit reporting act XXXX XXXX account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report This is being illegally reported because I am the original creditor for this transaction. I entered into a credit sale and I was forced to put money down which is illegal pursuant to 15 usc 1605 as finance charges are sum of all charges and cash can not be involved., any creditor who fails to comply with any requirement imposed under XXXX, in the case of an individual action, the creditor will be liable for twice the amount of any finance charge and any actual damage sustained by the creditor XXXX XXXX as a result of the failure.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/19 there was fraud on my XXXX Mastercard. I called as soon as I noticed it and the Fraud DepXXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX Mastercard has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!
Consumer complaint received 2020-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am filing this complaint because EQUIFAX refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2023-02-12
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-12
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. (CA)

All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXX 's data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. 5
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are continuing to put inaccurate information on to my personal credit report. You are violating my rights as well as my life causing constant obstacles as you continue to go against the laws that congress put in place to protect my rights. You are reporting inaccurate information on my personal credit report. I have not live at these places and it indicates that I owe rent. You are continuing to go against the law and make it extremely difficult to live a good life because of the inaccuracies that you continue to put on my credit report. I recently sent your office a certified complaint. Explaining the how you are ruining my life by violating the consumer laws that are put in place to protect me. You are breaking the law. Please understand that you are violating my rights
Consumer complaint received 2023-01-18
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: CAINE & WEINER COMPANY, INC. (AZ)

Ive requested specific information to be provided : Original contract with signature, creditors information, payment history with itemized billing associated and proof of owner. It has been well over 30 days with no response.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (FL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

EQUIFAX INC. 
c/o Equifax Information Services , LLC Attn : Division of Privacy and Identity Protection XXXX XXXX XXXX XXXX XXXX XXXX Georgia, USA Dear EQUIFAX INC. , SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA.

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, anxiety, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

A {$7500.00} dollar credit card was opened in my name through Bank of America which I did not authorize XXXX or XXXX of 2022. I have placed an active fraud protection to stop any charges that may occur.
Consumer complaint received 2022-12-13
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)

Hi I am submitting this 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 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 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 im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

XX/XX/XXXX XXXX - Letter was sent to and received, by certified mail, to LexisNexis asking their validation process. 

XX/XX/XXXX LexisNexis did not give proper investigation of the bankruptcy or give me their validation process which was demanded. currently showing on my credit report. 

XX/XX/XXXX - Another letter was sent to and received, by certified mail, to LexisNexis asking their validation process again AND stating to them that I never gave written permission to furnish any type of report to anyone. This letter has not been responding to and a bankruptcy is still showing on my credit reports.
Consumer complaint received 2020-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX PayPal advised me that they were placing a six-month hold on the funds in my account. At that time, they told me that at the end of six months I would receive an email with instructions to recover my money, approximately {$2700.00} XXXX. 

Then on XX/XX/XXXX, my balance was reduced to nil by way of two transactions that I did not authorize, described only as " Transfer ''. One was for {$1300.00} XXXX, the other one was for {$1600.00} XXXX. 

After 50 minutes I was able to speak with an agent on XX/XX/XXXX, who advised that the funds were indeed taken over by PayPal due to a violation of their T & C. He said that he was unable to say what terms and conditions were violated due to security reasons. When I asked him to explain the incredible coincidence that the amount they " fined '' us was exactly equal to the amount of money we had in our account, he advised that they can take anywhere up to {$2500.00}. 

PayPal has stolen my money.