davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-07-18
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)

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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 2020-10-15
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also Experian ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX Experian Alert - # XXXX XX/XX/XXXX - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for Experian, XXXX, and XXXX. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I also received the attached documents from Experian, XXXX, and XXXX  with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX addresses the CFPB complaint ID - XXXX.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I mailed a letter requesting an investigation of inaccurate accounts on my credit report. I never received a response so on XX/XX/XXXX, I mailed another letter addressing that. Still no reponse, so I mailed another letter on XX/XX/XXXX. It is now the middle of XXXX and I am still being injured by these accounts. NO RESPONSE
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX  XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX XXXX  XXXX - # XXXX TransUnion - ( Did not receive dispute #, TransUnion XXXX XXXX attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, XXXX, and TransUnion. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, XXXX, and TransUnion with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit  bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX as XXXX  XXXX XXXX addresses the CFPB complaint ID - XXXX.
Consumer complaint received 2020-10-21
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. (MS)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX USDOE/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 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the DMV and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or 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 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (PA)

In late XX/XX/2020, my U.S. Bank Reliacard account, through which Pennsylvania provides me Pandemic Unemployment Assistance, was locked : an " account restriction '' to prevent fraud. I was given no notice of this ; I found out when I called U.S. Bank to inquire why a transfer I had made to my personal credit union checking account never processed. 


When I called, I was told that, to unlock my account, I would simply have to upload a photo of my government-issued photo ID. I was told this only after asking to speak to a manager ; prior to that, the agent I spoke to said he was " unsure '' why I could not make transfers to my checking account or otherwise use my card. The agent then told me that it would take 5-10 business days for U.S. Bank to review my upload and unlock my account. This was over a month ago. 


I have called and spoken to representatives 5 times after waiting the full 10 business days. I have been told that the true time for review is 10 to 15 days. I have been told that I simply need to wait, and wait, and wait. 


This is unacceptable and, in my opinion, amounts to a deprivation of benefits in violation of my right to due process. 


I would like the issue addressed and implore the CFPB to investigate U.S. Bank for this practice, which, if you search the internet, is happening to many PUA beneficiaries.
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX XXXX XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I  have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.
Consumer complaint received 2020-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, XXXX, XXXX XXXX XXXX, and Capital One.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (FL)

This debt was accrued do to an illegal business practice by the original creditor, XXXX XXXX in XXXX, Florida. They used to be called XXXX XXXX XXXX XXXX 

I moved-out early due to the COVID-19 Pandemic in XXXX of XXXX. I received a Final Move-Out document ( Attached. ) acknowledging my move-out, yet a year later, in XX/XX/XXXX, I received a LARGE bill of {$9100.00} ( Attached ) reflecting that XXXX  XXXX was charging me rent for an ENTIRE YEAR after I moved out. 

Furthermore, XXXX XXXX had mitigated my loss by getting another tenant to occupy and sign the lease for unit XXXX within a month of my move-out date, by the name of XXXX or XXXX. I confirmed this with my fellow roommates who lived in the same floorpan as I did. 

This is an illegal business practice, and the Debt Collector should close this account.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSWORLD SYSTEMS INC (GA)

Update to my complaint, I was notified that my XXXX could be garnished and was threatened to be. I got a loan and paid off XXXX XXXX for XXXX. I called credit bureaus to notify of illegal debt collection and Law Suit 2016, XXXX XXXX XXXX California XXXX. I was also told by a member of the XXXX XXXX XXXX there a was a lot of information that should have dropped off my credit report, still showing. I also stated to all 3, credit reporting agencies that I was never given a proper subpoena to appear in any court, They sent judgements to my old address 's and failed to contact me VIA e-mail that I have had for at least 30, years to notify me. Again keeping within what DOJ, Ca cited, they served judgements in states where the debtor was not able or given proper legal opportunity to appear. In Violation of Due Process and the 5th amendment in accordance with the OIG U.S. Treasury. They chose to act above the law, for which they again were found of guilty of in 2016. To the best of my knowledge, TSI was collection agency on behalf of USA Distributors in association with XXXX. That I am not sure is or is not the case, I am not able to confirm but hope you can.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of my credit report.
Consumer complaint received 2022-05-17
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. (NY)

. XXXX XXXX XXXX XXXX XXXX - showing a balance of {$14000.00} yet original balance is {$12000.00} this account is no interest bearing and has been paid in full as of XX/XX/2019. 

1. The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
2. Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately. 
3. Account showing on time XX/XX/2019 & XX/XX/2019 but is reporting past due 90 days on XX/XX/2019, this is incorrect and fraud.
Consumer complaint received 2021-08-31
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. (MD)

Hello, my name is XXXX XXXX. Im writing in regards to my credit profile. Ive noticed some fraudulent accounts that I did not authorized. I am a victim of identity theft. I recently notified the FTC and completed a affidavit. The items that are not mine and should be deleted are listed below. 

According to the FCRA there are laws put in paced to protect consumers to ensure accuracy and fairness. According to the FCRA you are in violation of law 15 U.S. Code 1681c2. It has been well over the allotted time frame of 30 days since receiving my dispute letters. I have not been able to get this resolved with the credit bureau.
Consumer complaint received 2020-10-07
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. (GA)

I have resolved an auto loan with XXXX for XXXX  XXXX XXXX. The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Consumer complaint received 2020-10-07
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. (GA)

I have resolved an auto loan with XXXX for XXXX  XXXX XXXX. The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.