davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

On XX/XX/21 First Investors Financial Services Group performed a credit check without my consent and it resulted in a hard inquiry on my report. 

My husband has an auto loan with this company. However, I DO NOT. Nor am I a cosigner, nor do I have anything to do with my husbands vehicle loan. I am also not car loan shopping as I already have a vehicle. 

First Investors Financial Services Group had not a single reason to be pulling my credit report. I want this THOROUGHLY investigated as to why this company felt it had any right to view my credit WITHOUT my permission. 

Or I would like to see something IN WRITING, giving them permission to pull my credit, because I did not grant any such permission for any reason. 

I am in the process of applying for a mortgage and this hard inquiry has done great harm in my ability to receive a home loan.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A fraudulent set of 3 ach transactions were debited from my account on XXXX The amount was {$28000.00}. The fraud was detected immediately while the transactions were on hold and still processing. 

The ach transactions should be easy to recover because there were to XXXX XXXX, XXXX XXXX, and XXXX 

Bank of America debited these ach transactions refuses to credit these transactions to iur account for 90 days. 

These funds are needed to make payroll this friday for my employees. This Frida is also the date of the company XXXX XXXX
Consumer complaint received 2022-07-21
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. (TX)

id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.
Consumer complaint received 2021-03-08
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. (LA)

XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only XXXX XXXX ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (LA)

I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

Hi -- I have been contacting Equifax for 8 months since XX/XX/2020 on some fraud items. I have filed tons of disputes to get rid of some inaccurate information. After several months of calling every day of the week sometime 3 times a day, they managed to resolve half of my issues. Months later, I tried to reach them again because my dispute was still open for other inaccuracy and they would say 10-15 days. I would call again weeks later and they would denigj that I have filed a dispute and so many time would say our system is down and can not look up your ticket number. After a few other months, the same fraudulent account came into my report again in XX/XX/2020. Since then I have filed another 2 disputes, and an investigation as to why this could happen when I have been a victim of fraud before and have that alert on my account. This fraudulent account was able to report 3 times on my equifax again and again. I HAVE PAID OFF ALL MY DEBT IN 8 MONTHS. I Have been trying to buy a house for my family since and the only thing stopping me is equifax and their neglectful customer service. By now my score should be so high, however it is sinking from these inaccurate accounts. They are playing with my life. It has been 8 months since I put my hard earned money to changing my life, and nothing has been done. Why is my score not climbing I even got a credit card and have been paying on time since XXXX so it can help my score. Please help me!
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with Transuion, XXXX and XXXX. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.
Consumer complaint received 2020-12-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.
Consumer complaint received 2020-12-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following infor

mation : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2020-12-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

XX/XX/2020 Deficiency Notice is Void and unenforceable, please read attached. 
No Notice of Sale on XX/XX/2020 ( 10 days prior to sale ) and voluntary repossession was not commercially reasonable for reasons stated in the attached. Deficiency Notice is void and unenforceable.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XX/XX/XXXXaspirations. As a dedicated and driven XX/XX/XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XX/XX/XXXXendeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XX/XX/XXXXjourney. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX I spoke with XXXX XXXX via chat to report fraudulent charges after my wallet was stolen. Those unauthorized charges were reversed and I heard nothing else until on XX/XX/XXXX, a letter sent to me stating that my dispute case was investigated thoroughly and found to not be fraudulent and that those charges would be reversed back. I called on XX/XX/XXXX, spoke to a representative, and asked her what was investigated for USAA to claim these charges were mine when they are not, I was told it was because XXXX. My debit card was not missing, and XXXX. A pin number was used with no failed attempts. I explained to her that is inaccurate, that my wallet was stolen with my card inside it and it was reported to USAA over a month previous, so that card ending in XXXX most definitely is NOT in my possession. The rep said she would add notes to that case, that in fact I do NOT have said debit card in my possession and again these are not my charges. The very next day on XX/XX/XXXX, another letter sent to me, this time they removed that the debit card was still in my possession, but claim a pin number was used with no failed attempts so that charges are not fraudulent and on XX/XX/XXXX reversed all the charges that were reported. 
Now, I am getting my own documentation together to reach out to you to let you know about these unauthorized charges, also provide you with documentation to prove that I contacted USAA and did everything correct on my part, and ask you to look over this dispute again, and replace the funds to my account. Also, upon looking thru the chat record of my initial dispute on XX/XX/22, XXXX XXXX made several errors, and when I pointed them out to her she told me she was amending the report, and also initiating an Enterprise Fraud Case Report since my whole wallet was stolen. Now, I am seeing, it looks like she never amended the report that she made the errors on, and I feel this is why the investigation was not able to be completed accurately. 
XXXX also including the XXXX letters dated XX/XX/XXXX, and XX/XX/XXXX stating that the charges were thoroughly investigated. Reasons were that a pin number was used for said transactions and no failed attempts made on them. I, personally have contacted the fraudulent charge vendors asking about how debit card payments are taken, etc and I was able to find out that out of XXXX listed fraud charges, only XXXX of them were possibly to be used with a PIN number ( not surprising of no failed attempts, due to a brain injury and memory problems my pin is in small numbers on my card ) as XXXX of the charges are with companies that do not allow the customer the option to use a pin number it is always ran as credit purchase. 

All transactions are dated 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 2020-12-04
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. (MD)

Dear CFPB, On XX/XX/2020 i had sent certified mail with return to XXXX, Experian and XXXX about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
thank you.
Consumer complaint received 2022-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

i have disputed this medical collection before and it was removed, however now XXXX  months later it back on my credit as a collection in all three-credit bureau. I don't understand how or who this collection company DRS why do they have my personal information. they have called family relatives asking if i was there and they would not provide any information. FURTHERMOR, IN ACCORDANCE WITH THE FAIR CREDIT ACT PUBLIC LAW 91-506, TITLE VI SECTION 611, SUBSECTION A-D, I DEMAND THAT THE COLLECTION COMPANY PROVIDE ACTUAL PROOF THE INFORMATION WAS VERIFIED, NOT A COMPUTER-GENERATED CONFIRMATION. 

1 -- THE NAMES AND BUSINESS ADRESSES OF EACH INDIVISUAL WITH WHOM YOU VERIFIED THE INFORMATION WITH ABOVE, SO THAT I MAY FOLLOW UP.

2 -- DATE YOU CONTACTED THE INDIVISUAL FURNISHER 'S INFORMATION 3 -- THE METHOD OF COMUNICATION THEY USED TO VERIFY THE INFORMATION I WOULD ALSO LIKE TO KNOW IF THE FURNITURE PROVIDEDED YOU WITH MMY SSN, ADDRESS OR DATE OF BIRTH
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 TRADECOMMISION 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO 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.