davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One is reporting a closed account in the amount of {$2100.00}. Card was opened XX/XX/XXXX. Showing derogatory as of XX/XX/XXXX and CLOSED. I never opened this card. Ever. It fraudulent. It wasn't me. I want it removed off my report ASAP.
Consumer complaint received 2021-09-25
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: EQUIFAX, INC. (NY)

I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (IN)

LVNV collection agency has filed suit against me for a credit card debt. I do not agree with the amount they say I owe. As of XX/XX/2019 I have not received a summons but was notified by an attorney offering his bankruptcy services. I asked LVNV to provide proof of the debt. It was never provided to me as I requested. My debt has been sold to LVNV by a company who owns lVNV and that company is owned by XXXX XXXX which owns LMNV. I dont know who actually owns my debt and I dont believe they have a signed contract from the original creditor. I believe that this agency is using deceptive name changing to validate their proof. I have informed them of my XXXX  XXXX and that I am judgement proof and on XXXX for XXXX XXXX. I believe they omitted that information when they filed suit as to not bring attention to my XXXX and my XXXX health status. I believe they are counting on me not showing up to court to obtain a default judgement. I have nothing to place a judgement on. Appearing in court is something I can not do. With the medications I take and my fear of unknown situations it would cause me to suffer a setback in my condition and actually make me ill.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXXXXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.
Consumer complaint received 2024-02-06
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. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-10-07
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. (IL)

I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX  publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history.

As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. 

Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. 
Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. 
Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. 
I demand that TransUnion immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Consumer complaint received 2022-10-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-07
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)

XX/XX/2022 To : XXXX, XXXX and TransUnion, Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, Executor administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, consumer, and I have been appointed and accepted being executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it : whereas, I of age, majority, give this herein notice to all, I make a solemn oath to the one and only most high of the creation only, whoever that may be, and I depose the following facts, so be it, now present : In accordance with the Fair Credit Reporting Act the following accounts have violated my federally protected consumer privacy and confidentiality laws under 15 USC 1681. 
Accounts : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXX, DEP OF ED/XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, DEP OF ED/XXXX ACCT # XXXXXXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXXXXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXXXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 15 USC 1681 ( a ) ( 4 ) states I have the right to privacy.

15 USC 1681 ( b ) states that reasonable procedures to be fair and equitable to the consumer, with regards to the confidentiality and proper use.

15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish any information on an account without written instruction of the consumer to whom it relates.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681n ( a ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

REMOVE ALL ACCOUNTS INSTRUCTED BY ME AND SEND ME COMPENSATION FOR EACH FEDERAL VIOLATION PERSUANT TO THE FAIR CREDIT REPORTING ACT. 
THIS IS MY WRIITEN INSTRUCTION AND MY REQUEST TO PRIVACY AND CONFIDENTIALITY UNDER MY FEDERAL PROTECTED RIGHTS. 
I have requested these be removed and deleted several times now next notice will be an intent to sue. 
RESPECTFULLY, XXXX XXXX
Consumer complaint received 2022-10-07
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. (AL)

in accordance with the fair credit reporting agency act XXXX account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-20
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. (MI)

I AM A VICTIM OF IDENTY THEFT I Have contacted Experian multiple times disputing the the accounts on the Identity theft report attached to this complaint. Experian refuse to remove fraudulent accounts and continue to report negative information on Consumer credit file.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing about my Bank of America Credit Card. I have enrolled in AutoPay more than once, and the payments fail to be automatically applied as the service promises.

The bank account I wished to be used for autopay appears in my account profile on the mobile app, but representatives could not explain why autopay failed to occur.

Calls to the company have demonstrated the company 's inability to service the account, application, or services. 

The last call was placed on XX/XX/2022, when I spoke with XXXX, who was unable to service the account. I asked XXXX to be transferred to his supervisor. 

XXXX was told esplicitly that my husband was granted full permission to diuscuss this account while I showered. However, when XXXX XXXX, supervisor XXXX came on the line, he refused to service the account without speaking to me again, despite explicit instructions given to XXXX during this recorded call. When XXXX XXXX refused to discuss the account despite this express permission, my husband excercised his legal right to request that the call be reviewed to verify this iformation on the recording, XXXX XXXX refused. 

My husband requested to be transferred to XXXX XXXX 's supervisor, in light of XXXX XXXX 's refusal provide assistance. After quite some time on hold, My husband was transferred to XXXX ( ID # XXXX ), who declined to provide a last name or initial. XXXX patently explained that no one would be able to help us with auto pay over the phone, and refused to provide further assistance in that effort. 

At this point, I placed a three-way call with another company to initiate a balance transfer to close the account permanently, but the call on-the-line with Bank of America was terminated, and no follow up call was received. At this point, I was bound by a prior comittment and was unable to call back.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX ) in the Account Number, Account Type, Account Status, Payment Status, and Last Report Date sections. Equifax is reporting a derogatory payment status, XXXX and XXXX are reporting a current payment status. now all three of these cant be accurate. 
These accounts appear to be furnished by the same creditor so why is all the provided data different?
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX acct # see attachment The Credit reporting agencies and XXXX XXXX are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments
Consumer complaint received 2022-10-07
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. (MA)

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 : USDOE/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 1681 c. ( a ) ( S ) 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. 1681 s-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 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX acct # see attachment The Credit reporting agencies and XXXX XXXX are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments
Consumer complaint received 2021-09-25
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. (NY)

I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.
Consumer complaint received 2022-10-07
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. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (TN)

I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Consumer complaint received 2022-10-07
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)

Experian Credit Reprting Following are the dates when the problem was disputed and is still not fixed nor have they sent me the proof that it is valid for XXXX XXXX XXXX Disputed the late payment posting of XX/XX/XXXX - 30 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 60 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 180 days late Disputed again on following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The porblem is not fixed yet nor have they mailed me the proof that the payment was late.
Consumer complaint received 2022-02-20
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. (NY)

I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By Transunion allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If Transunion wants to continue doing business with me, they should delete these inaccurate account off my consumer report.
Consumer complaint received 2022-02-20
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. (MD)

I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I closed a credit account in XXXX ( XXXX ). My XXXX credit journey reporting, which is run by Experian, kept showing this account as open. I contact XXXX and then Experian to resolve this issue and no longer show this credit account as open. 

Experian requested I call the credit union first to ensure closure. I did this in XXXX ( XXXX  ) and the credit union said my name and account doesn't even exist because the account had been closed/terminated two years prior. 

I called Experian back and they asked me to file a dispute online. I did so and submitted my information that was requested. In XXXX of XXXX, I receive mail that says my dispute was denied/declined. 

I called Experian back and got in touch in XXXX of XXXX, and explained the process above. They claimed that no dispute was processed and that's why I received the denied dispute result in the mail. 

Experian mentioned that they would file the dispute ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) I received a notice of the dispute results. And the results show that the reporting will show the updated status " account paid and closed '', but that it will be reported until XXXX ... 10 years of inaccurate reporting. 

Experian has still yet to resolve my issue. The account from the credit union needs to be deleted/removed from all credit reporting. It does not exist anymore and is inaccurately reporting my credit.