davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-17
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. (NV)

Starting from the date of XX/XX/2022 I sent investigation letters to credit bureaus. I requested to " investigate every piece of information '' of multiple accounts that I will list below. ACCOUNTS WERE REMOVED AND IMMEDIATELY PLACED BACK ON MY CREDIT REPORT, So I have also attached copy of tracking numbers from sent letters and copy of credit report. 

According to the FRCA 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

With that law being QUOTED, the bureaus stated that their investigation of accounts were verified, but how is that possible if there wasn't a proper investigation according to the law stated in above paragraph. And as a result, every piece of information on these accounts are not reporting one hundred percent accurately. FRCA 15 USC 1681 ( e ) STATES, EVERYTHING HAS TO BE ONE HUNDRED PERCENT ACCURATE. WHICH NEITHER OF ACCOUNTS, THAT WILL BE SEEN BELOW IN DOCUMENT UPLOAD SECTION IS NOT ACCURATE.
Consumer complaint received 2022-08-17
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. (IL)

The Credit bureaus stated my account was properly investigated. In which I have the First file number of XXXX issued of XX/XX/2022 which it stated information removed but it still shows on my credit report, and have pictures that it is still there. The Second investigation with all 3 Credit bureaus are ridiculous and I will be pushing forward to get these violation looked at by my lawyer. If you review my credit report in which I have a copy of there are numerous of violations with inaccurate information alone. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate how is that a proper investigation? Also that violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. This is not right to privacy especially with inaccurate information.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Experian which is a credit report website advertised that " you only had to pay a one-time fee of XXXX dollar '' for a credit score report. They said nowhere that they would keep my credit card on file and sign me up for a monthly subscription in which I would be paying around XXXX dollars. I have no idea was I was charged that the past two months and did not sign up for that. Their website didn't say that they would do that anywhere. I got charged for the month of XXXX and XXXX both on the XXXX.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Experian take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the XXXX most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 45 % of payments on time for XXXX bureau while simultaneously reporting 53 % payments made? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 45 % of payments made on time whereas Experian reports 53 % of payments made on time. The payment dates and payment history, including times late, do not add up, and are not consistent, which adds credence to my claim that this company has sloppy reporting. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting 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 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 2022-09-01
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. (PA)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2022-08-17
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. (SC)

I am a natural person.I am a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violate my right numerous of times .I demand the accounts listed to be remove because According tp 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am not liable for these debts and do not have a contract with them. They did not provide me with the original application/contract with my wet signature like I asked for or Lisence to collect debt in my jurisdiction. And it's been more than 30 days as well.
Consumer complaint received 2019-06-13
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 — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XX/XX/2017 through my Debit Management Program XXXX I entered into an agreement with Huntington National Bank to close the credit card issued by them and set a payment plan for {$130.00} per month. In XX/XX/2017 I began to receive collections calls from Huntington and after discussing with them I was told that the account was charged-off. This is a violation of our agreement in good faith. Additionally I had a conversation with a specialist at Huntington that assure me that the charge-off would be reversed and marked as closed, paying. I would request Hunting honor the DMP agreement by removing the charge-off notation and properly re-aging the account per the terms of our contract. I have attempted to call and dispute this reporting several times with no success.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}XXXX XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.
Consumer complaint received 2022-08-17
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. (OK)

Hello my name is XXXX XXXX and I am protected by FCRA law as an individual with rights. I see multiple unauthorized and fraudulent inquiries on my PERSONAL CREDIT REPORT I HAVE NEVER SIGNED PERMISSION FOR any of these companies to place their inquiry upon my report. Also under FCRA 15 USC 1681 I have the right to privacy on my credit report. THIS HURTS MY ABILITY TO HAVE A HOME AND TRANSPORT TO AND FROM WORK. 

I NEED THESE REMOVED NOW! 

ON MY EXPERIAN REPORT XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry dateXXXX XXXX XXXXXXXX XXXX XXXX  Inquiry dateJul XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  Inquiry XXXX XXXX, XXXX EXPERIAN XXXX XXXX Inquiry dateXXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX
Consumer complaint received 2019-06-13
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. (SC)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (AZ)

XXXX XXXX XXXX {$500.00} Filed a dispute with the cardholder regarding the transaction that was made on XXXX XXXX XXXX XXXX XXXX trying to withdraw money off my card amount of {$500.00}. Put my card in put in the information received my receipt and no money came out of the ATM. Called the merchant to report the problem at XXXX they told me to call the cardholder first. 
The cardholder " Chime '' XXXX I have been chatting with several people and getting a run-around the money was direct deposit from XXXX XXXXY CHECK
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge... XXXX  XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Consumer complaint received 2023-03-10
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. (IN)

I recently reviewed my credit report and noticed that the account I had with XXXX XXXX XXXX loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!
Consumer complaint received 2020-09-24
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. (FL)

Several online disputes have been sent to XXXX  and Experian directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both XXXX   and Experian have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both Experian and XXXX  reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX Balance Owed XXXX {$2100.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MI)

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 : credit acceptance XX/XX/2020 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. 
XXXX
Consumer complaint received 2020-09-24
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. (FL)

Several online disputes have been sent to Transunion and XXXX   directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both Transunion and XXXX  have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both XXXX  and TransUnion reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!