davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My vehicle was XXXX XXXX XXXX, it was stolen during a carjacking in XXXX. I explained to the bank that the car was not in possession any more. I tried myself to get the vehicle out to XXXX police impound. They detective over the case said that the vehicle was held for evidence and later released for pick up. I called the bank and let them know that they can pick up car since it was damaged during the theft. Credit acceptance is charging me full price is something that I dont have and I cant afford to pay them back
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Tonight, I was stunned to find incorrect accounts on my credit report, and I can't figure out why. I check my credit report regularly, and this time, there were unexpected errors. I even tried refreshing my browser, hoping it was a glitch, but it wasnt. The errors remained after multiple refreshes. I'm asking for a thorough review of the documents I've submitted so I can finally feel at ease and not have to worry about this again.
Consumer complaint received 2023-01-29
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. (PA)

Equifax Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (MI)

On XX/XX/XXXX I had went shopping at XXXX XXXX I spent {$130.00} then left. When I left I was going to meet my brother at his home and 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  I noticed on XX/XX/XXXX when I went to go pay my rent my card kept decling. So I got onto the XXXX app and to my surprise my balance was almost depleted. The last place I used my card was at XXXX 's on XX/XX/XXXX for XXXX I seen a charge at the same XXXX 's an hour or so later for {$53.00} which I knew I didn't do because right after I spent {$130.00} with-in XXXX minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in XXXX from XX/XX/XXXX until XX/XX/XXXX and most of XX/XX/XXXX I was on XXXX XXXX XXXX XXXX.. there's no way I was out shopping.. I called XXXX and gave my permission for my XXXX XXXX to speak on my behalf so I could report unauthorized charges. The woman on the phone went through the charges and was told that disputes were filed and new card was on the way. I called everyday and the card was never deactivated until XX/XX/XXXX or XXXX I had contacted XXXX XXXX  once about this and a XXXX named XXXX had replied to my complaint stating that XXXX had no knowledge of me filing any disputes. So since XX/XX/XXXX through XX/XX/XXXX I had been trying to file unauthorized dispute charges with XXXX. I was told twice to file by mail or to fax.. I had mailed in disputes on XX/XX/XXXX and again on XX/XX/XXXX never head about my disputes from anyone. So I tried faxing my disputes. On XX/XX/XXXX I waited heard nothing. So I sent another fax on XX/XX/XXXX waited heard nothing. Then again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX... I explained everything I've called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and everything the customer service agent said that they would put that in my notes. I was able to call and speak better then I had in the past on XX/XX/XXXX and asked if my disputes had been investigated and the customer service agent said there was no disputes maid. She asked how I made these disputes I told her what I told you above. She asked what fax number was I sending my disputes to I told her and she said that it was a fax number for XXXX but not the disputes department. So more then once I was given the wrong number to send my disputes, the letter explaining why there unauthorized, my police report and XXXX XXXX XXXX paper work.. for months I have been trying to dispute these charges and for months I have been getting the run around. The customer service agent on XX/XX/XXXX gave me a claim number and a what I hope was a good faxing number to send all my documents to. I have attached in my complaint police report, XXXX XXXX paper and all the receipts that I was sent through my faxing app showing I had been trying since XX/XX/XXXX to file unauthorized charge disputes. I know you record all phone calls you will see all the times I called.
Consumer complaint received 2024-11-25
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I am writing to formally dispute inaccurate information contained in my consumer report prepared by your organization in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' in their reports. This obligation is underscored in XXXX v. ChexSystems ( 2019 ), which confirmed that failure to follow such procedures can result in material harm to consumers. 

This information is not only inaccurate but has caused significant harm, including denial of access to financial services and reputational damage. These issues echo those recognized in XXXX, where the failure to resolve reporting inaccuracies constituted negligence under the FCRA. 

I request the following actions be taken immediately : Co

nduct a thorough investigation into the disputed information and provide evidence supporting its accuracy or remove it permanently from my file.

Provide a detailed summary of your investigation results within the FCRA-mandated timeline of 30 days.

Additionally, I invoke my rights under 15 U.S.C. 1681c ( g ) and demand that all communication regarding this matter be conducted in writing. As emphasized in the FCRA, the term " medium '' includes all forms of communicationwhether verbal, digital, or writtenrelated to my consumer file. This encompasses both the information reported to third parties and any correspondence initiated by ChexSystems. 

Further, I explicitly require ChexSystems to cease and desist from : Reporting disputed and inaccurate information to third parties, including creditors and financial institutions.

Communicating with me via any medium except written correspondence.

Failure to comply with this request may constitute a willful violation of the FCRA and other applicable laws, as suggested in XXXX and other relevant cases. Should these inaccuracies remain unresolved, or if my cease-and-desist request is ignored, I will explore all legal remedies available to protect my rights, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please confirm receipt of this letter in writing and provide a case reference number for my dispute. I expect a prompt resolution and full compliance with federal law. 

Sincerely, [ XXXX ] All Rights Reserved Without Prejudice
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I had made purchases at Victorias Secret online for my daughter for bathing suits. I set up a payment but then she decided to return some. I think that when the return hit the system, it cancelled out my payment. They went two months without contacting me via phone or email stating my account was going to be past due or delinquent or anything UNTIL they reported it to the credit companies as 30 or more days late. They never once tried to call or contact me at all until after it was reported to the credit bureau. This is not ok, not in compliance with the fair credit rules and has dropped my score 53 points. I have never been late on payments for this card or any other and you can check my scores to see that. 

I want the 30 days late taken off my credit reports, all three reports need corrected. This was glitch with a refund cancelling out my payment.
Consumer complaint received 2021-12-10
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: Experian Information Solutions Inc. (TX)

My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-07-07
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. (CA)

I have reached out to Trans Union many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports. 
( a ) In general Subject to subsection XXXX c XXXX 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 NEVER Gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Yes, I have a balance out of nowhere from bank of America for like XXXX dollars. And I have a negative balance of XXXX dollars plus my reward for XXXX dollars, which they arent allow me to use!! they could at least mail me these amount of money to me!! And each time I tried to get in contact with them to bank of America. They always send me this one uneducated employee who doesnt even have a clue on how to help!! I want the Consumer Financial Protection Bureau to help me out! Please help me someone.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to formally submit a complaint regarding inaccurate information on my Equifax credit report. The report shows that I have 60-day and 90-day late payments for one of my accounts, but there is no corresponding 30-day late payment listed. This is an inconsistency, as it is typically not possible for a payment to be 60 or 90 days late without first being 30 days late. 

Details : Account XXXX XXXX XXXX XXXX XXXX : Equifax Issue : Inaccurate reporting of late payments ( 60 and 90 days late ) without a prior 30-day late payment. 
Dates of Late Payments : XX/XX/2024 & XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), all information reported on my credit report must be accurate and complete. The absence of a 30-day late payment, followed by 60- and 90-day late notations, suggests that the information being reported is incomplete and inaccurate. 

I have disputed this matter directly with Equifax, but the issue has not been resolved. I am requesting that the CFPB investigate this issue and assist in having the inaccurate late payments removed from my credit report
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I reached out to the company National Credit Sytems concerning an account for {$150.00}, along with the bureaus to address this issue. Although I have furnished proof with a police report, received no validation of the debt by the original creditor or the bureaus. I have received no traction on a debt that does not belong to me. I have provided proof on my end and the companies are not being held responsible for truly validating this debt. I filed with identitytheft.gov # XXXX along with CFPB # XXXX. 
I am a victim but am being punished. According to FCRA 623 prohibits information furnishers from providing information that they know or have reasonable cause to believe is inaccurate In accordance with the Fair credit reporting act National Credit Systems has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF ED/XXXX XXXX  XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

16 U.S. Code 1681i ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX these accounts are being reported inaccurately.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (WY)

On XX/XX/year> I sent dispute letters to XXXX XXXX and equifax regarding inaccurate and unknown things on my credit report, also I attached an ftc report # XXXX it's been over 60 days and I still have no response to these inaccurate/fraudulent accounts being reported.i informed them that Im a victim of identity theft and to remove the following accounts ( 1. ) XXXX XXXX XXXX XXXX balance of {$170.00} ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXX balance of {$63.00} ( # XXXX ) .XXXX XXXX XXXX XXXX balance of {$1400.00} ( XXXX. ) XXXXXXXX XXXX  account XXXX XXXX balance of {$26000.00} and XXXX XXXX account XXXX XXXX  balance of {$5300.00} its been over 60 days and they are stil reporting these aforementioned accounts.i am attaching the ftc report as well as the identity theft Affidavit.