davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for XXXX, XX/XX/2022 for Experian, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for XXXX XX/XX/2022 for Experian XXXX/XXXX/202 for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.
Consumer complaint received 2023-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (OK)

Auto loan opened without authorization due to Identity Theft. Reported to all 3 major credit bureaus as well as Elan Financial and they have refused to accept and remove. I have provided police report as well as identity theft documentation from the Social Security Administration.
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nair & Levin, P.C. (CT)

I have received a document from the Law Offices of Nair & Levin P.C. of XXXX XXXX XXXX in XXXX Connecticut XXXX phone number XXXX The letter sent to me states that they are attempting to collect a debt that I owe XXXX XXXX XXXX for {$2900.00} XXXX pay my medical bills to the facilities directly via a personal check regularly. I do not have any desire to work with this debt collector and do not need to. I am writing the CFPB to help mediate this issue and asking that Nair & Levin P.C. from here on Cease & Desist in contacting me, by phone, mail or email and in all matters regarding collection of this alleged debt. They are not my original creditor, and I have no desire to work with them in any capacity. As previously stated I take care of my medical bills with my original creditors, and will continue to do so. If my credit report is damaged from any reporting by this firm I will contact my state representatives for FCRA respresentation and violations.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (GA)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX 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 XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-14
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. (MS)

On XX/XX/XXXX, I contacted XXXX  to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Consumer complaint received 2022-09-20
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXXXXXX Balance : {$3100.00} XXXX DP OF EDUC  XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-20
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. (NY)

I made and uninformed decision when I applied for this card. It wasnt clear to me ( Law 15 USC 1602 ) So the agreement is fraud and a violation Also They dont have permission to report on my consumer report with out my permission. ( Law 15 USC 1681b ) 1. XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX  XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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. ''
Consumer complaint received 2022-09-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Companies reporting on my Equifax credit bureau reporting multiple duplicate accounts. 
these entities are as follows : XXXX XXXX : Account # XXXX, An Inaccurate charge-off can not be on bureaus After closed. 
XXXX XXXX XXXX, XXXX  : account # XXXX Blatantly inaccurate account! duplicate collection account. 
XXXX XXXX XXXX : account # XXXX Blatantly inaccurate account! duplicate collection account. 

All Companies displayed on all XXXX of my credit reports for the SAME accounts. 
I dont understand how you can say that this collection was verified, when I havent seen any documentation whatsoever. This is a violation of my rights under section 609!

By disputing this debt and exercising my rights under UCC 1-308.

Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. 
Companies placed different information on all 3 major credit bureaus.
Consumer complaint received 2022-09-20
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: CREDIT ACCEPTANCE CORPORATION (FL)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Consumer complaint received 2022-11-17
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. (MO)

Hello I sent a letter off to you guys on XX/XX/XXXX, To remove personal information that I dont want on my credit report.According to XXXX XXXX XXXXNo financial institutions are to SHARE!!, my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (IL)

The loan was taken on XX/XX/2022 in the amount of {$2600.00} with an interest rate of 509.46 %. I made a total of 7 bi-weekly payments of {$490.00}, a total of {$3400.00}. Due to financial harship, I am no longer able to make these outrageous payments. I had them remove the ACH withdrawal from the account, but they claim that they will collect the debt aggressively unless the full amount, over {$11000.00} dollars is paid immediately.
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On several occasions now I have had holds placed on my mobile deposits that have lasted on average 5 days. The account was opened using a check from this same business. It's an property investment company that is incredibly successful, the account holder has a net value of XXXX XXXX plus. I've complained everything, being told that it's the computer, they have no control over it. On another occasion I reached out on XXXX and oddly and a bit scary, my.phone rang within a minute of my tweet. The social media outreach team member was incrediy aggressive and rude, told me that he wasn't allowed to tell me but it looks like there maybe insufficient funds to cover the check. What he failed to realize is that I had gone to the check writer and told them there's a hold. They pulled up their banking app on their cell phone and I saw an amount that made my eyes pop out. But then he scrolls and shows me the line item of where ,2 days prior Bank Of America had deducted the money. So this guy I'm on the phone with is lying to me, they already deducted my {$8000.00} from his account days prior and he is slow playing me. A other time still, they just tell me that the amount was too high and they needed to hold to make sure it was real. That the institution that the check came from was not reputable and they neexed ti make sure it was above board.Now there's a missing XXXX refund. I should add a critical piece of Info. In all instances of bank of America putting holds that lasted days, even the one with a less than reputable bank on the other end, the bank that the check was written off of was no e other than Bank of America. From an account that was opened at the same branch I opened mine at just 35 years before me. If I walk into the bank, after waiting an hour to stand in a line to talk to a single teller, I can present an in house check and know it hS sufficient funds in under a minute. This is just a deceptive business practices they can use my money for days at a time. It's cost me work, credibility and a real toll on my mental health
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

In XX/XX/2022 my two federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and Equifax through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Consumer complaint received 2024-09-23
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. (TX)

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.

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.