davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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)

Company is inaccurately reporting information that I have previously advised was not mine. I have disputed these items for months and despite the company starting it was mine, they have been unable to verify this debt and are unwilling to remove it.
Consumer complaint received 2017-09-12
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. (LA)

Between XXXX and XXXX of XXXX, Equifax suffered a data breach, due directly to their lack of digital security. A simple and easily available penetration test series by a professional organization would have found and prevented the data loss. This information is IMMUTABLE. IT CAN NOT CHANGE. So, I am left with a problem that will be MY problem for the rest of my life, thanks entirely to poor security practices. As someone that works in XXXX, in XXXX, protecting your and their XXXX data, it galls me to think that a company that I did n't have a choice with maintaining a file with, has damaged my life like this. 

DO SOMETHING.. XXXX.
Consumer complaint received 2024-01-13
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. (FL)

I sent a communication to XXXX XXXXXXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXXXXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Consumer complaint received 2022-12-16
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. (TX)

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2020-01-12
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. (NC)

See attached documents. These accounts have not been validated pursuant to us code title 15 1692g According to us code title 15 1692e a payment is minerals, oils, natural gas.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX was mailed FTC report to verify all inaccurate accounts, addresses, and inquiries reporting on my consumer credit file. XXXX XXXX failed to provide legal validation off the alleged debts within the lawful time frame. XXXX XXXX is reporting invalidated information this action constitutes Fraud under Federal and State laws.
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (MN)

Bright lending I called to pay off loan using credit card. 
bright lending interest is 699 % company refuses to take credit card payment. 

interest rates at this amount should be illegal.
Consumer complaint received 2017-09-11
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)

According to Equifax, my personal information including but not limited to name, social security number, date of birth, address, and driver license number was compromised and exposed. Equifax detected the hacking back in XXXX, but did not announce or contacted any victims including me until early XXXX after 3 of its senior executives sold their company stocks. As a victim of Equifax breach, my identity was no longer safe and private to myself. At this moment, I believe that Equifax should do more to control the damage to innocent citizens, and prevent future compromise, e.g. offering free credit freeze instead of just monitoring with their own service..
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This will be my 6th dispute letter sent to XXXX and Experian. 

As a reputable credit reporting agency, I expect that these companies would always provide accurate and reliable information to financial institutions and other organizations that rely on their services. Unfortunately, my experience with these companies has fallen far short of this expectation. 

As mentioned in my previous letters, Trade : XXXX XXXX XXXX with an Account Number XXXX, has long been deleted in XXXX on XX/XX/2023. ( see attached file for XXXX previous feedback ) In addition, I would like to bring to EXPERIAN 's attention the inaccuracies in my credit report regarding my Date of Birth and Previous Address. Despite providing my drivers license for verification, it seems the information has not been appropriately updated. 

These inaccuracies in reporting this account are concerning, and because of these unfair practices and mishaps, I demand that the above-mentioned account be promptly deleted from my credit history due to these errors and oversights.
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (MN)

Discover Bank has been carefully stealing funds from my XXXX XXXX XXXX accounts, calling most recent employer ( XXXX  ) for wage Garnishments and taking money from XXXX Health Savings Accounts. I'm unemployed, no family medical, heath or XXXX   insurance and my wife and I have Medical and XXXX  Bills that way past due needs to be settled otherwise we will not get future appointments. Discover Card removed every single penny in my HSA Account ( Statements Attached here ). In XX/XX/2016 XXXX XXXX closed my HSA Account. 

Discover Bank based in the State of XXXX is closely following " Make America Great Again Program '' by targeting Minority American Families. They are now secretly trying to foreclose on my only home by using the same collection Attorneys. This is a federal violation in its highest form. Discover Card denies it. XXXX XXXX XXXX have been facilitating it all, but conveniently stays out of it! 

I ask Discover Bank to Return my HSA funds and terminate XXXX XXXX XXXX immediately before they take any further action to Foreclose my home!!!!!!!! 
XXXX is currently taking place in XXXX, but they continue to deny any wrongdoing and absolutely do nothing about it, even after many complaints. 

I propose a {$100.00} XXXX federal fine be place immediately on Discover Bank for the atrocities and federal illegal practices of their representative Law Firm ( XXXX XXXX XXXX ) in XXXX. A copy of Foreclose Notice by the same collection attorneys ' is attached with this complaint for CFPB Review. Discover Card continue with their aggressive practices ignoring all of my requests to date.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I was laid off due to the pandemic and called XXXX XXXX  to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called XXXX and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted Experian and XXXX and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2024 a letter to correct inaccurate or outdated personal information on my Experian credit report was sent certitied mail via USPS.

I requested names, phone numbers and address be updated to the correct information I provided. As well as, removing all other personal details that I have not provided in this request as they are not deliverable or reachable at those inaccurate entries.

XX/XX/2024 Tthe dispute reuslts were made available through my experian.com account to find all inaccurate address still remain as well as 1 additonal phone number that I do not own and am not reachable at.

I also included a notraized copy of my driver 's license and social security card as well as my most recent utility bill substantiating my address.
Consumer complaint received 2017-09-11
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. (CA)

This is a complaint about the handling of the security breach that happened XXXX XXXX through XXXX XXXX. 

The only protection Equifax is offering at no charge is for one year. This needs to be extended to life. It also should be provided from an outside source not related to any credit reporting agency and paid for by Equifax. This is because Equifax has shown they can not be trusted to keep the data secure. 

Equifax should be investigated about this breach and made to explain the delay in notifying the public. They should also be investigated for insider trading.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE XXXX XXXX
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MD)

XXXX XXXX MOHELA act # XXXX frst message sent XX/XX/XXXX 2nd message sent XX/XX/XXXX During the 2 years of COVID student loans were put on hold. I sent this message through MOHELAs website : Good morning, First I hope I receive a response to this message. I Called yesterday and waited 30 minutes for a rep to come to the phone and explain my situation and was advised to hold while she gets a manager for me held another 30 more minutes and was disconnected. Here is my issue. I am in the process of buying a new home. My lender states MOHELA has me delinquent all of COVID which was a forbearance. During COVID I checked and this site stated a payment balance {$0.00}. My lender needs a Correction letter from MOHELA stating correction letter stating the lates were in error. My email address is XXXX XXXX
Consumer complaint received 2024-01-12
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. (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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-12
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. (OH)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-12
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

Earlier this year my wallet was stolen from my golf bag and several ATM withdrawls were made. Despite my furnishing police reports and repeatedly explaining that these charges were fraudulent I was told that because I personalize my PIN number that it was declined as fraud. Since then my FICO score has plummeted due to this misunderstanding. Please help me with Barclays.
Consumer complaint received 2020-01-12
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. (NV)

I disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.
Consumer complaint received 2022-10-04
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 15USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.I demand the account listed below be remove because According to 15 USC1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX Account # XXXX Date open XX/XX/2019 Original amount XXXX
Consumer complaint received 2021-05-19
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)

Under 15 U.S. Code 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. 

I XXXX XXXX never gave Transunion any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2020-05-10
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. (NY)

After reviewing my most recent TransUnion credit report I noticed multiple discrepancies. 

XXXX XXXX XXXX XXXX was added to my credit profile in XXXX of 2020, XXXX of 2020, XXXX of 2020, and now has has been reinserted under a new name XXXX XXXX XXXX  XXXX. Even though the account has been sold to put folio recovery and associates.This is a violation of FCRA rules. 

Please see attachment ; XXXX XXXX XXXX XXXX what's remove or deleted for reporting inaccurate unverifiable account. However the company has reinserted the same account under the new name XXXX XXXX XXXX  XXXX. However, the company 's name and address is still associated with XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX Virginia, XXXX. This information is misleading and fraudulent a violation of sec 809b of FDCPA.