davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - Account XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KS)

EXPERIAN has a high risk on my credit report. 
I have good credit. I am demanding it removed! It's been happening for awhile. XX/XX/2022 was most recent.
Consumer complaint received 2018-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Contacted Transunion XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi ... 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 and XXXX XXXX XXXX, all have 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 2017-09-08
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. (OR)

Equifax , Inc. maintained a very poor standard of web security that has resulted in my report and personal information ( name, Social Security number, birth date, address, credit card number, and drivers license number ) being hacked from their website ( I am listed as being affected by this hack on their website : https : //www.equifaxsecurity2017.com/potential-impact/ ). I am among over 100 million people who have been affected by this hack, resulting from improper and outdated security measures. A company that holds this kind of information should be held to a much higher standard of security.
Consumer complaint received 2018-07-15
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. (SC)

Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XX/XX/XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.
Consumer complaint received 2017-09-08
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. (WA)

I was a part of the Equifax breach three months ago.
I was not notified for three months, and I have not been informed about exactly WHAT information was compromised.
I am deeply disturbed not only be the fact that they allowed this breach to take place but that they waited three months to notify impacted individuals about the breach.
Consumer complaint received 2017-09-08
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. (TX)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-05
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. (IL)

I opened several disputes regarding a bankruptcy on my credit report. Equifax removed the bankruptcy from my credit report but re-added it weeks later because they claim they " verified '' it with their furnisher of records, I attached the letter they sent me when they deleted it. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with one of their representative 's, I was told to create an account on pacer.gov, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from pacer.gov that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including a copy of my social security card and my drivers license. This needs to be removed from my credit report permanently.
Consumer complaint received 2022-05-05
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: Early Warning Services, LLC (GA)

I have an XXXXXXXX XXXX debit card and it was place on hold because XXXX  XXXX XXXX repot me too early warning when XXXX  XXXX XXXX agreed too removing the file XXXX from XXXX  XXXX XXXX said theyll remove it and its still on there so please remove this file from early warning
Consumer complaint received 2022-03-16
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. (PA)

The consumer reporting agencies ( XXXX, Experian and XXXX ) has violated 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, EXPERIAN OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The breach lasted from XXXX through XXXX according to the FTC. This is a new developing story and so far there have been no exact dates published. Hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 

I took steps steps to help protect my information from being misused by following the steps regarding the Equifax Data Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach. I then put a temporary 90 day freeze on my account to prevent future abuse.
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, SELF / LEAD Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, AD XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody written instructions.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc (LA)

National Service Bureau , Inc . 


This company claims I owe {$12000.00} for a car accident where I was rear ended by a mustang where it was there fault for speeding around a roundabout and improper following distance which is on file with a police report. Not only has XXXX threatened to send me to jail if I do not pay back the money I DO NOT owe on behalf of XXXX XXXX, they also have issued a Driver 's License Suspension Request and once I called the company, I was told I need to " Be a big girl and own up to my responsibilities or I will go to jail. '' This company is beyond XXXX
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (FL)

On XX/XX/2020 I was told by my mortgage lender, PNC Bank, they were having trouble finalizing the appraisal on the home I was purchasing. I paid {$540.00} for the appraisal on XX/XX/2020. The lender, in the XX/XX/XXXX phone call and follow-up conversations said the third-party appraiser - hired by PNC Bank - made an error in their report and could not finalize said report. 

Our closing date was scheduled for XX/XX/2020. Because of this error - outside of my control - the closing was pushed back to XX/XX/2020. 

In the interest of timeliness, my wife and I agreed to sign a form waiving our right to receive the appraisal any sooner than 3 days prior to closing. The form indicated, however, we would receive the report before closing. We closed on the home yesterday and still - on XX/XX/2020 - do not have the appraisal report in hand. PNC Bank has refused to cooperate and send me a copy of the form I signed or the appraisal in a timely manner. 

As PNC 's errors regarding the appraisal have already cost me time, money, and frustration ; AND I still have not received a report I paid for within a timely manner as agreed upon in writing - I am requesting a full refund of my costs paid to PNC Bank for the appraisal.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

On XX/XX/XXXX I received calls and letters in the mail, sitting by owed dish network {$170.00} so my debt was placed with convergent debt collectors. I stated to them I already paid us with a previous debt collector called XXXX XXXX a year ago! I emailed them my phone record and bake statement which showed the amount of XXXX paid already. So they put it in this cute so they could investigate. I received a letter today, XX/XX/XXXX stating that they confirmed that the charges on the account are still valid and then I still owe XXXX XXXX. I called them and they said they were going to put it in dispute again this is not getting resolved. I keep getting calls in regards to a debt that has already been paid a year ago with provided proof Im still getting harassed about a debt thats already been paid XXXX previous creditor.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NV)

I purchased the " XXXX XXXX '' product from experian and paid each month for a membership that provides protection for identity theft/fraud. Experian has refused to provide access to this product. They are selling a product they do not have, as evidenced by my repeated video taped calls to their customer service number, the " fraud hotline '' number provided in the membership info ( see attached ) and their dispute number. Each call has resulted in numerous hours on the phone attempting to resolve the fraud on my report. If any resolution is provided, it is undone the next month. Disputed items are reposted to my 3 bureau report 1 month later. They also double bill my credit card each month.
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Palm Beach Credit Adjustors, Inc (FL)

Too many dates to count- the debt is continually sold to other reporters when I explain situation and this debt has been settled and discharged. 
XXXX XXXX- {$2300.00}, 3 accounts- medical debt that was discharged and filed on my XX/XX/2015 taxes.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to SYNCB/PPC " Paypal '' at XXXX XXXX XXXX XXXX, FL. XXXX regarding a major violation on their behalf against my consumer protected rights. After they received my correspondence, they are fraudulently and maliciously causing me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action.