davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting 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. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (TX)

Wrong Inquires showing on my account on all the 3 credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, Experian XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* Experian Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : Experian website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : Name : XXXX XXXX XXXX  Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.
Consumer complaint received 2018-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (WV)

I traded my XXXX Honda fit in at a car dealership. The payoff was not made in time and the lender American Honda finance reported to the agency I was late and did not make my payment. This made an absolute terrible mark on my credit score. This trade in was nearly a month ago and since then the car has been paid off finally by the dealership on XXXX XXXX  2017. However American Honda finance has also never updated the report and they still show my account as being open although the car has been paid off which is still making a direct mark on my credit score
Consumer complaint received 2023-07-19
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: ALLY FINANCIAL INC. (PA)

Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$2300.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} XXXX XXXX Account number : XXXX Balance : {$2300.00} XXXX Account number : XXXX Balance : {$4500.00} XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AmeriHome Mortgage Company, LLC (CO)

I reached out to AmeriHome in XXXX of XXXX  to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take 10 business days for them to process the request to determine IF I was eligible for assistance. Consequently AmeriHome reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take 10 business days to approve when clients need assistance right away.
Consumer complaint received 2023-07-20
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: AMERICAN EXPRESS COMPANY (TX)

On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day.

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
Consumer complaint received 2023-11-06
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. (FL)

On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an alert about my social security number being compromised on the dark web and used to open a Bank of America account. I called their fraud department and submitted a claim on XX/XX/XXXX. The account had XXXX dollars in it and it was opened with my name and social security number. The account was closed on XX/XX/XXXX and a fraud alert was placed with the institution.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX Account # XXXX is showing past due 30 days for XXXX This is incorrect information I have the receipt showing I paid this account on XX/XX/XXXX which was my last payment on this account it should not be showing 30 days past due
Consumer complaint received 2023-07-19
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. (PA)

I'm having several issues with an account listed as XXXX  ' on my credit report from Equifax, identifiable by its last XXXX digits as XXXX '. Firstly, the 'Date of First Delinquency ' is recorded as XX/XX/XXXX. According to Pennsylvania 's statute of limitations ( Title 42 Pa.C.S.A. 5525 ( a ) ), this debt should now be unenforceable. Despite disputing this with Equifax, it hasn't been adequately addressed.

Secondly, the reported balance for this account stands at {$650.00}, which I have disputed. I requested Equifax to validate this figure under the Fair Credit Reporting Act ( FCRA ), but they have failed to do so.

Lastly, the payment history for this account is incorrectly reported. The account is listed as being 60 days delinquent for XXXX consecutive months from XXXX to XX/XX/XXXX, which is mathematically impossible. A XXXX delinquency should logically progress into a higher degree of delinquency if not addressed. This is a violation of section 623 ( a ) ( 2 ) of the FCRA, which mandates accurate credit information reporting.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (AZ)

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX. The lack of oxygen caused slight XXXX XXXX and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, TD Bank requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

After falling in the lake, I was in a XXXX XXXX XXXX for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.