davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NV)

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

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name 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 2023-06-24
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-01
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. (MI)

Equifax investigated a fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

in accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (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 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, 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

I asked XXXX XXXX multiple times to stop calling me as the debt it time bared and I am disabled and receiving Social Security benefits. I told the person I have {$100.00} after my bills were paid for the rest of the month and they transferred me to someone who could accept a payment. The second person I spoke with said that my number would be removed from the system and I wouldnt receive anymore calls to which I responded that should have been done the first four or five times I had requested it and that was never done.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I received notification from my credit monitoring XX/XX/XXXX that my credit score decreased by 26 points due to reporting an over 30 from Wells Fargo. I have never been 30 days late. I just spoke with a representative XX/XX/XXXX and authorized a payment. I was not advised that I was or had been 30 days late. I was advised that my payment was 12 days late. Prior to that I had made a payment over the phone and was not advised that I was 30 days late. The website is not user friendly and every month when I log in to make a payment I am locked out and I have to go through the process of forgot password and still unable to get in to make a payment. Then I am forced to call in and rely on a representative to process payment. I want the 30 day mark removed from my credit immediately. This is inaccurate credit reporting and a violation of FCRA. A data furnisher has a duty to provide accurate information. I
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (AR)

I applied with Prosper loans for a {$10000.00} loan on XX/XX/XXXX. The same day I received an email stating that I had been " approved '' and had a big button imploring me to accept my loan. Prosper continued to send me emails throughout the next few days including one on XX/XX/XXXX stating that my {$10000.00} loan " is still waiting. '' On XX/XX/XXXX I decided to complete what I thought would be the final steps to obtain the loan. I added my bank account information as requested by Prosper and signed paperwork allowing for a hard inquiry of my credit report. After completing, come to find out that my loan had actually not been " waiting '' for me as indicated by Prosper 's previous emails. The hard inquiry on my credit Prosper initiated only allowed me to be placed on their online " listings '' and that they still needed to find an institution or person that would actually fund my loan.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I made my XXXX payment 1 day late, but intime to make my statement. when i got that bill it should {$0.00} balance and {$35.00} in interest. I sent them a letter to there i think you made a mistake address on the back of there bill with a check for {$35.00}. telling them they were crooks and to close my account. they sent me two letters in response neither of which addressed my complaint about them charging me the {$35.00} when the check to pay ifull actually post to the statement. 
1. said i mailed my payment to the wrong address.

2. said that i owed no more money on the account yet today i get a bill for {$2.00} minimum interest charge. I demand a full and complete investigation and that you order them to not only credit the {$2.00} they are billing me but to also send me a refund check for the {$34.00} in interest they charged me in error. I opened this account VIA the US mail per federal regulation the payment is supposed to be credit on the day the envelope was post marked and i mailed my payment before the due date and they are penalizing me for the US Post Office being slow.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (NY)

On XX/XX/2019, Quicken Loans ran an unauthorized credit inquiry in order to refinance my mortgage loan, of which I did NOT want to refinance. I was very clear that I was NOT interested in refinancing and requested that they stop calling each time that I received a call from one their associates. The phone calls were many, I would consider it harassment, especially because they proceeded with working to close the loan, of which I did NOT want to proceed. I found this out when I went to make my mortgage payment online and on my home page it listed another loan with the header : " We're Working to Close. '' I am currently trying to sell our home, we have no reason to refinance, nor did I authorize any credit Inquiry to be done by Quicken Loans. I contacted Quicken Loans immediately upon this discovery, I was told an investigation needed to be done, and it would be a few days. On that day, I spoke with a woman named XXXX, and requested that Quicken Loans retract the unauthorized Credit Inquiry immediately. Within that time, I received a packet of paperwork to proceed with the loan, this packet was sent by a person who goes by the name of XXXX XXXX, with the title of " Power Banker. '' I am devastated by the fraudulent actions of Quicken Loans, and their willingness to conduct business in such a way.
Consumer complaint received 2019-07-01
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. (VA)

Equifax, XXXX, And XXXX are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? Equifax is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ran my credit and found an error in my credit report I filed a dispute in the beginning of XXXX. Stating that the information is incorrect there is a wrong address for the said collection charge off of XXXX XXXX   XXXX XXXX XXXX. I sent a letter however the address that they have on my credit report and it is incorrect. So the letter was not deliverable. I have a stamp copy from the United States postal service indicating the address is not a good address. Also they do not have any account numbers and other information. They have multiple incorrect items on my credit report. I also sent a copy of the validation letter in that envelope two trans union. And I have copies of the stamped envelope that was addressed back to me By the United States. Post office. Trans Union still refuses to remove this incorrect item. Please help. They must remove this off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX this address is incorrect. How can I send them a letter to validate this issue if they put the wrong address on the credit report. Again they are missing the account number the correct address and many other things they must remove this out of my credit report. How can I send them a validation letter, if the address is not deliverable.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one only increase APR but didnt now Lower it.  Only lower the APR as promotion for several months. However they lower your APR if you apply for a new credit card. Is like the force the customer to apply for a new product in order to upgrade you apr.
Consumer complaint received 2022-12-17
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: ENCORE CAPITAL GROUP INC. (SC)

I am requesting proof of validation for this account. I am requesting the following information : The original SIGNED contract signed by myself, XXXX XXXX Proof of ownership of this account According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Please provide method of validation detailing the PAST DUE balance of {$1900.00}. According to XXXX XXXX guidelines, this is inaccurate and needs to be removed from my consumer report IMMEDIATELY. 
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.

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 I am now demanding a Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request.
Consumer complaint received 2022-06-01
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. (NJ)

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Also please see uploaded documentation.