davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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. (GA)

I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX Bank, XXXX and XXXX XXXX.
Consumer complaint received 2024-03-21
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. (FL)

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

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 : 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been constantly calling the XXXX number for transUnion to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and XXXX does, I would really appreciate if this gets addressed ASAP. My Trans Union credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (MI)

I am trying to get funding for my business and these inquiries are hurting my credit profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TN)

n accordance with the 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 2023-01-17
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. (TN)

n accordance with the 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 2023-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I was inadvertently signed up for auto pay with care credit and auto pay with my bank. My bank payments were made timely every month and the other auto payments were rejected. For months I would call them and say my bank just cleared the payment whats going on? They had no idea?? It was not until XXXX that someone at care credit figured out why I kept getting letters saying my payment was returned and they took off the auto payments through their website site leaving just my XXXX auto payments in place. I have never been late on this card and in fact just paid it off in full. However my credit will be affected by their incorrect reporting I would like this card reinstated for use as I have complied with their terms AND never been late. This company needs to look at peoples payment history before unjustly closing accounts. This is an error in their part and I suffer the consequences. UNFAIR TO SAY THE LEAST!!!
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Some months ago, I disputed XXXX XXXX XXXX XXXX  ( XXXX ) /XXXX  Account ( See Attached ), on my Transunion Credit Report , to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX  Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the corrections and or deletion of these items.
Consumer complaint received 2023-01-18
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-08
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. (GA)

XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.
Consumer complaint received 2020-03-08
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. (GA)

XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.
Consumer complaint received 2020-03-08
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. (MD)

This is the 4th time! transunion from XX/XX/2019 to XXXX XXXX that I see this happening, I want to know how is this possible for someone to intercept information from the bank, for someone to intercept information from XXXX, an altered at the credit bureaus Data. Md law says I have the right to ask the name of the person who does the investigation. ( ( ( ( ( ( And I do not need to know how credit works and Im going to not work. ) ) ) ) )
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Main Street Personal Finance (OK)

I took out a Payday loan on Monday XX/XX/2020 at Approved Cash in XXXX, Oklahoma. XXXX  is the employee who did the loan. On Friday XX/XX/2020 I called in to Approved Cash. XXXX  answered the phone, I was upset because I tried to reloan after paying off a loan at another place, but they wouldnt let me because it would have been my 4th loan and the loan that I had at Approved cash made it my 5th loan. I didnt understand why it would have been my 5th loan because it was my 3rd loan. I didnt know how I was going to work it all out because I was expecting that loan. My loan for Approved Cash was due Monday, so I said Id figure it out and hung up. 
I was able to get a debt consolidation loan to pay of my loans. I got all my bills paid and was going to pay approved cash on my way home from work. I get a text that money is low in my account. I dont understand why. So I look andApproved Cash cashed my check early. Our agreement gives me until XXXX to pay it. They never gave me the chance to pay it Monday. The paperwork I signed said I have to till XXXX on Monday. I called them and XXXX  answered the phone. I asked why there was {$560.00} taken out of my account. I had till XXXX to pay it. She said because and stuttered. I said what she did was illegal and wrong. She said her boss XXXX told her to. I said why?? She said it was because of the conversation we had Friday. I said that is ridiculous and you cant take money out because you think someone isnt going to pay. I said I wanted XXXX her bosses phone number and she refuses to give it to me! Then she says shell have her call me. XXXX calls, and I tell her what she has authorized is horrible, and I want my money back. She finally says that they will replace it and then asks when Ill be in to pay my loan, and I say later in the day after work. I had to call the bank and ask them how many overages I have. I had to leave to talk to XXXX and XXXX too. Not only did I have to lose time and money with my job, I am going to be charged {$35.00} for each overdraft. They never apologized, they never offered to pay my penalties or time I had to leave my job to handle this. She wouldnt even give me her SUPERVISORS number until I asked her several times throughout the day. I asked her who regulates these loans? Who do I call to let them know what you did to me and my account? She REFUSED. This is so wrong.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (CO)

Alliant credit union courtesy pay service is not EQUAL to all members due to XXXX bank employees intentionally causing harm and discriminatory practices against some members like me. Their policy is not applied to all equally. I elected program because bank offered and every time I paid negative balance including fees. Suddenly alliant credit union management stated you are not eligible for courtesy pay until XX/XX/23 which is unlawful and outrageous including discriminatory because they didnt punish other bank members, bank shields some members while they intentionally discriminate against me. I did nothing wrong, bank courtesy pay policy is misleading, defraud to members & false promises. Bank accused me of violations of their policy but the fact of the matter is bank actually violated the same policy. All I am asking is that bank must be investigated and its policies and those policies applied equally to each person that has active accounts. I am damaged because I believed my transactions were being paid but I learned they were denied so how is it legal for bank to claim false and misleading promises, its beyond outrageous and unfair including potentially federal laws being violated by the bank. They ruined my life
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

Attempted to open a savings account today but was refused due to negative reports from US Bank. 

U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Because of their reports of a charge off debt I could not open an account at my bank XXXX XXXX. 

The reason for the debt is from an overdrawn amount of XXXX for which US Bank charged me {$50.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

Equifax is reporting inaccurate information on my credit report and they don't correct or delete this account I will be seeking {$1000.00} for each violation. 

Account name : XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have settled my debt for a collection account. Per the terms of the settlement the collection account is to be removed from my credit profile. XXXX and XXXX has removed the account. I have disputed the collection account with Experian but they refuse to remove the account. I provided documentation that the account has been settled and should be removed.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (PA)

I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.