davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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. (MD)

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX TransUnion XXXX XXXX Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is reporting late notations for 2020 and I ask they please remove them. I had some hardships with the pandemic during this time, much like anyone else. I went without work for some time and was unable to get on my feet. I did not expect this and did not mean to be late and I ask that America First Credit union please take some leniency on these lates. No one expected what happened in 2020 and this would really help me being able to buy a home. Thank you.
Consumer complaint received 2021-01-30
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: OneMain Finance Corporation (NJ)

One Main Financial ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and XXXX credit reports.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair credit reporting act XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
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. (CA)

I recently satisfied a balance on my credit report. I was under the impression that the item would be removed from my credit but it hasnt. Out of goodwill and faith, I kindly ask that this account be removed from my credit. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-06-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (MN)

On XX/XX/XXXX I went through their website to receive a payoff quote and then I did a balance transfer on my credit card to send them a check to pay off the loan. On XX/XX/XXXX I noticed an e-mail that said the payoff was not completed because the check was mailed which directed me to call and finalize the payoff amount. Which I subsequently did on XX/XX/XXXX and the representative I spoke with assured me the amount quoted would pay off the loan. The company is now refusing to honor thr payoff quote. I call and they hang up on me.
Consumer complaint received 2022-04-20
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. (MO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX* DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1681 section 602 A : states i have the right to privacy.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) states : 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 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage at XXXXXXXX XXXX opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXXXXXX XXXX  opened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

I bought out my lease from Hyundai on XX/XX/XXXX. Hyundais website stated I would receive the title within 20 days business days. After 25 days on XX/XX/XXXX, I called Hyundai to inquire about the title and was told it shipped out on XX/XX/XXXX. I called back on XX/XX/XXXX and was told it was returned to Hyundai as undeliverable on XX/XX/XXXX. When I asked what address it was sent to the Hyundai rep told me my street address but a different city and zip code. I have had the same address in their system for 10 years. I called back on XXXX and XX/XX/XXXX and was given the same wrong address answer with no change to correct the address or escalate my issue, each time they gave an additional 10 day window. I called on XX/XX/XXXX spoke to a supervisor who said he could see I had called but no action had been taken. He also said he was escalating to his manager and that it would take another 3 to 5 business days for that request to process before the title would be sent and then we would need to wait an additional 10 days for it to be delivered. It has now been 46 days or 32 business days since we purchased the vehicle and still the title has not been sent and it has been 8 days since it was apparently returned and Hyundai has made no effort to resend the title. This new 13 to 15 day process window is unacceptable.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX 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 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
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Subject : Violation of Timely Response Requirements Under FCRA and CFPB Standards Request for Deletion of Accounts Dear CFPB, I am writing in regards to the handling of my complaint, filed on XX/XX/2024, concerning inaccurate credit reporting by XXXX XXXX XXXX. Both the companys and CFPBs responses reflect violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) 's complaint handling guidelines.

1. Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency ( CRA ) must investigate a dispute and report the results within 30 days of receiving the complaint. Extensions to 45 days are permissible only if additional information is provided by the consumer during the investigation. 
My dispute was submitted on XX/XX/2024, and as of XX/XX/2024, I have only been informed that the company is still working on my issue. This exceeds the 30-day period stipulated by the FCRA, making the company non-compliant with its obligation to promptly resolve or provide the results of the investigation. 
2. CFPB Complaint Handling Process Violations The CFPBs policy requires companies to respond to complaints within 15 days. The companys response, as of XX/XX/2024, simply indicates that they are still working on the issue, with no final resolution. 
Allowing an additional 60-day period for a final response, as indicated by the CFPB, contradicts both the CFPBs timeframes for handling disputes and the FCRAs 30-day maximum timeline.

3. Request for Immediate Action Account Deletion, Not Closure In addition to the violations listed above, I am demanding the deletion of the inaccurate accounts from my credit report, not merely the closure of these accounts. It seems that XXXX has closed the account after my demand to have it deleted. Closing accounts, especially when they were never valid or authorized, does not fully resolve the damage caused. Deletion is necessary to ensure these incorrect records are permanently removed from my credit history. 

Summary of Requests : Immediate Conclusion of the Investigation : I request the company be directed to complete the investigation without further delay and provide a final response in compliance with the FCRAs 30-day requirement. 
Permanent Deletion of Accounts : I demand the complete deletion of the disputed accounts, not just closure, to fully resolve the inaccuracies. 
Response Within 5 Days : I require these actions to be completed within 5 days from the date of this communication to avoid further escalation. 
Escalation of My Complaint : The CFPB should enforce compliance with its own policies and federal law to prevent further delays. 
Thank you for your immediate attention to this matter. I expect the deletion of the inaccurate accounts and a final resolution within 5 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my fiance and I booked two roundtrip tickets XXXX on XXXX for XX/XX/XXXX through XX/XX/XXXX via Chase Ultimate Rewards Travel Portal totalling {$970.00} but paid with XXXX points. On XX/XX/XXXX, the airline unilaterally cancelled our flights and issued travel credits. After unsuccessful attempts requesting refunds from both parties, I submitted a DOT complaint on XX/XX/XXXX and both Chase and XXXX continue to deny our repeated requests despite the DOT regulations. Chase deflects to XXXX saying they are following the airline 's ( unlawful ) policy and XXXX deflects to Chase saying I must work with the travel agency regarding this booking. 

On a recent call with Chase Travel on XX/XX/XXXX, the representative stated that a supervisor will be reaching out to the airline directly to request a refund and that I would hear back via email. The following day, we received an email response from Chase detailing the conditions of use for the travel credit and nothing about the refund request. 
Due to the tickets having been purchased using points, I am unable to file a chargeback and am at the mercy of the OTA Chase Travel representing me against the airline. 

Lastly, on that same call with Chase Travel on XX/XX/XXXX, the representative revealed that XXXX and Chase are refunding customers on request for tickets booked after XX/XX/XXXX but consumers who booked earlier, even before major COVID disruptions began are left with only vouchers.
Consumer complaint received 2023-03-23
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}. Please delete this ASAP.
Consumer complaint received 2024-09-03
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. (NY)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (OH)

I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # 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 Bur # XXXX. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Solutions # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  ( # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to report to my credit report 2 times is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization.1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Ct XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I am writing to dispute the following information that is on my report. I have contacted the banks to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex systems report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, [ Your name ] Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-02-03
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. (CA)

XXXX XXXX XXXX Balance : {$170.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX Balance : {$1500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX Balance : {$1000.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : {$700.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$510.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXX Balance : {$370.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$100.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$100.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$100.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX Balance : {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX  XXXX Balance : {$0.00} - his account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.