davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

So Equifax wants to close my complaint because they lied. EVERYONE HAS A FICO SCORE. The bureaus don't want to delete all those negative items removed from my account. How you close my complaint when EVERYONE has a FICO SCORE. You have my information and you font want to fix the issue. By law you have to delete due to lack of communication in a 8 month period. Please delete those negative items. You have my address I just got a letter from you. So Equifax lied I have proof they have my correct information. Please advise and delete every negative items. You can contact me directly if you like i have the proof here..
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act XXXX  Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions.
Consumer complaint received 2022-07-15
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. (TN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus June 29, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$110.00}
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

XXXX XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX  XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$37.00} XXXX XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$10000.00} {$260.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXXNo Data XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} 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 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 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 2024-10-31
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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 the public confidence which is essential to the continued functioning of the banking system. 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 und the following circumstances 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 consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-02-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows my address : there should only be one. 
Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached a recent copy of my ( Bank statement, utility bill, ) for your verification.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: I.C. System, Inc. (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-18
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian contiunues to defy authority of CFPB and US Government in refusing to address issue raised of its false and inaccurate calculation of revolving utilization ratio and credit score. 

To be crystal clear, NO sources of information outside of Experian are under dispute, and NO authorization has been given by myself to initiate any dispute on any sources of information or any individual item on the credit report. 

The ONLY investigation authorized is internal procedures using accurate data where Experian is inaccurately calculating utlilization ratios and credit score, resulting in false reporting of both revolving credit utilization ratio and credit score data. 

Any attempt to address any subject other than stated above would constitute a criminal attempt of Obstruction of Justice under Federal law
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Our company was charged {$120.00} on XX/XX/XXXX by XXXX on a Bank of America credit card that was closed in XX/XX/XXXX. The charge was erroneous, XXXX set us a refund via check in XX/XX/XXXX. We were unaware that the charge originated from a Bank of America credit card since our account had been closed since XX/XX/XXXX. 

The Bank of America representative we spoke with on XX/XX/XXXX told us on that companies can make pre-authorized charges to credit cards via " adjustments '' regardless of whether such an account has been closed. 

Is such a practice allowed? If so, why is it permissible for a credit card company to accept such a charge despite closing our account? 

We are being charged interest for this which the bank refuses to waive because it's not a " bank error ''. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paramount GR Holdings, LLC (CA)

Hard checked my credit twice. XX/XX/XXXX and XX/XX/XXXX. I had already received a loan with them from the first check, but they then gave me another hard check. It is completely an error on their part, as they checked it under their business, Goodleap, and through another service provider that confirmed Goodleap requested the info. Goodleap refuse to take the 2nd fraudulent check off my credit report, even though it was a mistake on their end. 
Called 2nd week of XXXX, but I did not write down the date. Was told I would get a call back from " XXXX '' about what happened. Never received a call, so I called XX/XX/XXXX where I was transferred to nowhere twice. XX/XX/XXXX I called again, and was told that they thought it would be easier for me to report it and do the work of getting the fraudulent check off myself than for them to request it. They refused to even try, stating they don't have people who fix these errors.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (OK)

{$720.00} from XXXX XXXX Which got sold to credence resource management. XXXX XXXXXXXX is when it showed up on my credit report. I filed a FTC report for identity theft. I have no recolect of this account. 

USC 1681 I have the right to privacy account did not send proof of my account
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (KY)

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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I have read several reviews about fifth third bank not knowing who they were until after I signed the agreement application for car loan to find out so many people have been complaining about this bank they have even been sued why are they allowed to continue mistreating people and taking their money.i am currently trying to get my credit union to take over my loan so that I don't have to deal with others are dealing with .and noone is doing anything about them.i and I'm sure others work too hard to get the run around about their money this is why people are taking it out on one 's like them in a bad way .they should really change their way or something bad may happen to those working for this bank .this day and time is very rough no time for nonsense ..should be great fun to have a job. America allows to much mess to go on with out serious punishment .the reviews I read they all would be fired ..I want out before getting the same treatment. I don't know how I would handle it .I will drive there .since noone else can seem to stop this terrible nightmare behavior.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (MI)

{$870.00} Medical bill was paid off by me to original creditor, XXXX, invoice # XXXX. Then a credit collection agency, Credit Collection Services ( CCS ), put the same unpaid bill on my credit report as a collections account in XX/XX/2022 ( reference CCS file # XXXX XXXX XXXX ). I called CCS phone XXXX to talk to CCS on Tuesday XX/XX/2022 and spoke to representative named XXXX XXXX and then spoke to CCS XXXX XXXX XXXX XXXX. They both stated that they will update my credit report to show the CCS account as paid in full. Their CCS records show the account has a XXXX balance already. I told them the CCS account should be deleted because CCS can not collect on a debt I paid off with the original creditor. CCS staff refused to listen to me and said my account will not be deleted on my credit report. I kept telling me to delete that collection account off my credit report because they have nothing to collect from me and the original creditor already has the money from me.
Consumer complaint received 2022-08-25
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha account without my written instructions
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (ID)

I have received advertising from the " XXXX XXXX XXXX '' general fraternity organization and " Rocket Mortgage '' that appears to be a RESPA violation. They are offering Cash back to mortgage applicants for referring them to Rocket Mortgage. I believe this is a clear violation of RESPA kickback regulations and this email has likely been distributed to thousands of members of the fraternity. Both Rocket Mortgage And the XXXX XXXX XXXX  general fraternity organization should be penalized for participating in RESPA violations.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (WI)

Ive contacted I.C. Systems several times asking for debt validation and other remedies yet i've never received any response nor notification. I.C. Systems is in violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', as well as many other violation under the Fair Collections Practice Act.
Consumer complaint received 2022-08-23
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. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.