davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
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) (GA)

ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in Consumer File Dear ChexSystems Team, I am writing to formally dispute the inaccurate information being reported on my consumer file regarding my account at XXXXXXXX XXXX  The details of my account are as follows : **Account Holder : ** XXXX XXXX XXXXBank Name : ** XXXXXXXX XXXX XXXXAccount Number : ** XXXX This inaccurate reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws.

Under 15 U.S.C. 1681a, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of this system. The inaccuracies present in my consumer report violate 15 U.S.C. 1681s-2, which prohibits the furnishing of information with actual knowledge of errors. This information undermines the integrity of the banking system and harms my financial standing. 

Therefore, I demand that your organization take the following actions : 1. **Cease and Desist Communications : ** Under 15 U.S.C. 1692c, I formally request that ChexSystems cease and desist all communications regarding this matter, including through my consumer reports.

2. **Correct the Information : ** Investigate and rectify any inaccurate information reported regarding my account.

Any continued communication or reporting of inaccurate information will be deemed a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) and may result in civil action against your organization. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation.

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Consumer complaint received 2020-05-02
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. (IL)

I have contacted TransUnion & explained that this account for XXXX & XXXX does not belong to me and is a FRAUD opened accounts. I have provided them with a police report & identity theft report with this information, yet they still continue to report this account. These accounts need to be blocked and deleted from my credit reports.
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-06-22
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)

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 an account without my written instructions.
Consumer complaint received 2022-07-04
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. (TX)

I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the Equifax data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and menstrual anguish, as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2022-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (PA)

I have wrote sallie Mae and sent them a letter ask them to release my co signer because I can afford to pay the loans off myself also since Im not in school no more I would like if they stop the payments until I can pay them off they also raised my payment
Consumer complaint received 2022-06-22
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. (FL)

ACCOUNT ISN'T MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT. I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT. 
XXXX XXXX -Opened XXXX {$73.00}
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting lates on my accounts for 2020. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Capital One please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.
Consumer complaint received 2022-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (VA)

I have a loan with GM Financial and I think it's a illegal repossession 1. I didn't receive a right to cure letter to even offer to bring the account up to date 2. when I called GM financial on XX/XX/18 on XXXX am the rep told me that no phone number was on my account, so they weren't contacting me. 
3. my account was XXXX XXXX past due at the time of repossession 4. I contacted the lender previous and asked about options to keep the account in good standings and they wouldn't offer me ANY help.. 

I will take this matter to court and sue GM Financial for their negotiations with my loan
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you that I have contacted XXXX XXXX regarding an account. According to XXXX, they have no knowledge of this account, nor do they recognize the amount associated with it. 

I have been a XXXX customer for two years, and I have consistently made my payments on time. All my accounts with XXXX are current. The reason for this report is that the erroneous information is negatively impacting my credit, and I would like to request that this issue be resolved as soon as possible. 

Thank you for your attention to this matter. 

XX/XX/2024 XXXX ( High Balance {$2400.00} ) ( Unpaid Balance {$0.00} ) XX/XX/2024 experian ( High Balance {$2400.00} ) Unpaid Balance {$0.00} )
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

15 U.S.C. 1681 section 602 A. States, i have the right to privacy 15 U.S.C 1681 section 604 a Section XXXX ; It 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX and 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 2020-05-03
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. (AR)

In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.19 years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with XXXX Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXXI want all to remove this merchant from my credit report because I have the letter where XXXX XXXX denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates (GA)

On XXXX XXXX, XXXX, I contacted Creditors Bureau Associates regarding an account that had been improperly placed on my personal credit profile. During this conversation, I was assured that the account would be removed. Additionally, XXXX XXXX provided a written statement confirming that the accounts would be removed from my credit report within 30-45 days. 

However, in XXXX XXXX, I discovered that the account was still on my credit profile. After being denied a bank loan to expand my business due to these negative entries, I contacted the agency again in XXXX XXXX. They claimed to have updated the XXXXr system to remove the fraudulent information. Despite these assurances, the items remained on my credit profile. 

In XXXX XXXX, I spoke again with XXXX XXXX XXXX who once more reassured me that all negative items had been deleted. However, I was subsequently denied an apartment due to these same negative reports attributed to XXXX XXXX and Creditors Bureau Associates. 

Despite repeated promises, these issues have not been resolved, and the account continues to appear on my credit profile. Furthermore, XXXX XXXX, Creditors Bureau Associates, and XXXX ( last name unknown ) of XXXX XXXX have acted improperly by : Falsely representing their actions, claiming they removed the fraudulent items when they did not. 

Failing to provide any evidence or explanation for how they obtained my personal information. 

Threatening to ruin my credit, which I perceive as an attempt to intimidate me. 

I have attempted to have a productive conversation with XXXX and her associates at XXXX XXXX, but they have been unwilling or unable to explain why they placed this account on my credit profile. Importantly, I have never signed a contract or agreed to any terms with XXXX XXXX or its representatives. There is no legal basis for this debt to be assigned to me personally. 

Their actions amount to fraud and misrepresentation, causing significant harm to my creditworthiness and financial reputation. 

Resolution Requested : I request that the CFPB take action to : Investigate Creditors Bureau Associates and XXXX XXXX for their improper and potentially illegal reporting practices. 

Ensure that all fraudulent and inaccurate information is immediately removed from my credit profile. 

Hold these parties accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter..
Consumer complaint received 2020-05-02
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I sent a dispute registerd mail with return receipt ( stamped received XXXX XXXX ) to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute was just opened today XX/XX/2022, after receiving previous Cfpb complaint about the investigation never being started
Consumer complaint received 2020-05-02
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. (IL)

FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Consumer complaint received 2020-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (KY)

I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.
Consumer complaint received 2022-08-19
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 had a credit card from XXXX XXXX  that had a XXXX balance and was never in default. I had a bankruptcy that went through in XX/XX/2021 which included tax debt but the XXXX credit was not included in the filing. XXXX has since submitted to the reporting agency that the balance was written off by the bankruptcy which is 100 % untrue there was no balance on the account. I have contacted XXXX on several occasions and they have said they would not correct there mistake in reporting and suggested i contact an attorney. How can a debt be charged off in a bankruptcy if the balance on an the account was XXXX? 

This was corrected with XXXX but still remains on Transunion
Consumer complaint received 2022-05-04
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. (AL)

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 2023-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
XXXX ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.