davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Consumer complaint received 2022-05-05
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus 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 statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken.

I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Consumer complaint received 2022-08-22
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. (WA)

In the previous 3 to 12 months, I have disputed XXXX BANK through ALL XXXX major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX BANK put this account into collections and subsequently CLOSED this account. However, according to ALL 3 CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became homeless from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX BANK erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX BANK has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the XXXX, XXXX and Experian to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )
Consumer complaint received 2022-05-05
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: Fidelity National Information Services, Inc. (FNIS) (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX bank and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I had a credit card with Macys with {$100.00} limit and I had it on an autopay but after I left the country for a vacation the autopay was disabled and I never received a notice in my email or phone number about the due date and before I returned it was already reported to collections so I believe this was intentional as I already had a few issues with Macys where they sent a threat emails using XXXX account. also, they reported to the credit without sending me any notification or options to payoff. It appears like they rushed to report to the credit bureau
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (MA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-11
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. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group (GA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX balance is {$6800.00}, and account # XXXX
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance {$2800.00} account # XXXX 30 days late in XX/XX/2020.
Consumer complaint received 2022-08-22
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. (GA)

Hi I am submitting this XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Since XX/XX/XXXX and XX/XX/XXXX, I have disputes that Bank of America are refusing to to reward me, one for {$380.00}, {$100.00} and {$100.00}. I have given bank of america over 90 days to resolve several claims, a adequate amount of time, yet but thy have yet to resolve them. I spoke with several supervisors informed me on XX/XX/XXXX that customers have a due date to file them but the bank has no date to resolve them, and they just now sending the merchant info 2 weeks ago, and she stated bank of america allows 6 months to resolve these type issue when i asked for documenation if that is the correct process then it needs to be equal to the customers filing date because no date to resolve them is not right for the customer who is waiting on the claim that was filed, with that being said, I was hoping this would get the attention of an agency more experienced in this type situation because If the customer is supposed to receive a check because then that should be issued to me, but the supervisor stated that bank of america allows a 6 month process when disputing a claim... Which is not my policy nor do I think or have seen anything documented that is is their policy
Consumer complaint received 2022-05-05
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 XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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 2022-08-22
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)

Hi I am submitting this 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 heck 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-04-27
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. (NC)

I, XXXX XXXX XXXX, have watched Experian lie to this entity about their practices and how they break the law, 605B FCRA. As a CRA, Experian is supposed to obey the law not reinterpret rewrite, or break the law. As the CFPB knows, Experian is to block the information I identify that occurred from identity theft. 
As a consumer, I have to provide 4 items to start the 4 business day clock to block the fraud info on my file. 
After blocking, Experian is to notify the furnisher of the blocked info they blocked from identity theft. 
Then Experian awaits a reply within 30 days of notification. If no reply is timely, the info remains blocked forever. 
Then if a reply is made, they are to determine reasonably that 1 of 3 things happened. 3 separate and distinct things. Error. Material misstatement of fact. Goods or services or money were obtained from the blocked accounts. It has to be real and proven, not just guessed at. 
I have identified my info clearly That needs to be blocked in 4 business days or less. Experian lied and said I did not provide it. Laughable and stupid. They got the police report, its clear in their also. So do not let them lie any more.
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

In accordance with the fair credit reporting act XXXX  Account Number XXXX has violated my rights. 

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/ loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-19
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)

1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

CREDITORS BUREAU USA contracted me by phone trying to collect on a debt I do know owe them. When CREDITORS BUREAU USA initially contacted me, I explained to them this debt was supposed to be paid to them by the surgeon who performed my XXXX. I sued the doctor who performed my XXXX and won my case, in that settlement agreement all bills associated with this debt were supposed to be paid by the surgeon. Instead of getting the information from the original creditor, CREDITORS BUREAU USA decided to purchase this debt. After, they decided to harras me about this debt I don't owe them, then finally, furnish inaccurate information on my consumers report. After contacting me, CREDITORS BUREAU USA did not send me a debt validation notices to alert me about my right to request proof that a debt is valid or dispute the debt, which is required by debt collectors. CREDITORS BUREAU USA has chosen to supply inaccurate and false information to credit reporting agencies all while knowing this inaccurate reporting would have a significant impact on my consumer credit score.CREDITORS BUREAU USA still chose to furnished the information after knowing this debt is not obligated to me. CFPB requires debt collectors to furnish accurate information on consumers reports and CREDITORS BUREAU USA is doing the complete opposite.They have not handled this debt correctly as 12 CFR 1022.41 ( d ) states it should be handled.12 CFR 1022.41 ( d ) states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

CREDITORS BUREAU USA is in direct violation of this code and many more, Not only is this account not supposed to be being furnished on my consumers report they are reporting different/inaccurate information to all credit bureaus. I have attached a photo to this complaint showing all the inaccuracies CREDITORS BUREAU USA is reporting on this account. There is different information being reported on the day this account was opened, the date last active, last reported, the credit amount etc.CREDITORS BUREAU USA did not handle this account with accuracy and integrity, this account is not furnished to minimize the likelihood that the information may be incorrectly reflected in my consumer report in which this information is INCORRECT!