davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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)

This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX XXXX of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, Equifax  and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX XXXX XXXX XXXX XXXX past due. Ive never been behind on my payment. I tried contacting the XXXX, Equifax and XXXX Credit Bureaus and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for XXXX XXXX accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maple Finance Company (NJ)

On XX/XX/year>, I visited a car dealership to purchase a vehicle. The owner of the dealership requested my personal information, which I provided. However, I asked repeatedly if the inquiry process would be a soft inquiry, and he assured me that it would be. 

After submitting my information, I received a notification indicating that the inquiry was a hard inquiry. I immediately filed a complaint with them, but they responded saying it was not a hard inquiry and implied that I didnt understand the process, stating that they make these types of inquiries every day. 

I insisted on confirmation that it was truly a soft pull, but they continued to insist it was not a hard inquiry. The discussion took place inside the dealership, and I would like to point out that there are several cameras that recorded the incident. I believe it is very unfair that they conducted this inquiry without my consent, which has negatively impacted my credit score without providing me with accurate information or giving me the opportunity to make an informed decision. 

I request that this situation be reviewed and that the necessary steps be taken to correct any errors related to my credit score due to this unauthorized inquiry.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have a credit card with XXXX XXXX XXXX  They always report to the credit bureaus on the XXXX of every month. on XX/XX/XXXX Experian showed that I had an increase in credit usage of 63 %, this is correct and true, and on XX/XX/2011 points were deducted from my report. This is when I had a problem, less than two weeks later Experian takes it upon themselves to check my usage again with XXXX XXXX XXXX my credit card reports only once a month, so I know they did not report again. On XX/XX/XXXX Experian drops my report XXXX more points stating I'm now at 93 % usage, again first premier did not report this! I received my statement for the month of XXXX, paid off the total amount of {$270.00}. The next month my total was {$0.00}, and Experian increased the report by XXXX points. they deducted a total of XXXX points for high usage then when I paid the full amount, they only returned XXXX points! I reached out to them by phone and by email. the email they never bothered to respond to and when I called, they had no valid explanation for why they did what they did. I believe it is retaliation for filing an FTC Report against them previously
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (MI)

On XX/XX/2022, I purchased a XXXX ' gift card in the amount of {$75.00} for a family member as a XXXX  gift from XXXX in XXXX XXXX, MI. Unfortunately, the card was never received and therefore was never utilized by the recipient as the XXXX delivery system was not operative. I spoke to the XXXX at XXXX who although, he was able to pull up my receipt and could clearly see status of the purchase via XXXX XXXX XXXX, he informed me that I would just have to take a loss or contact XXXX  to obtain a refund or get another gift card reissued because it is a XXXX card. I contacted XXXX who told me that I would have to contact XXXX as they are the ones who received payment for the gift card and would have to refund me. 

Each company is telling to contact the other and I am not getting a resolution. Please help. I will NEVER purchase a gift card from XXXX!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was stunned this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I always check my report regularly, but today I was shocked to see discrepancies out of nowhere. I even tried refreshing the page, hoping it was a glitch, but nothing changed. The wrong accounts stayed there no matter what I did. Because of this, Im urgently asking that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this issue.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello I have been trying to reopen a checking account with Bank of America and XXXX XXXX 
Both the banks had closed my account, due to suspicious transactions and my account were banned by XXXX XXXX XXXX XXXX XXXX XXXX.I had discussed with XXXX XXXX XXXX and there are no pending remarks against me. The XXXX XXXX  XXXX then asked me to get a report from Cfpb that allows me to open accounts effectively lifting out the ban on me. Please help with this as I am unable to open accounts. Thank you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy, however, this is not the case because Equifax is purposely violating my consumer 's rights by reporting late payments that are negatively affecting my creditworthiness.

I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not provide this, please UPDATE the alleged late payment ( s ) on my credit report and UPDATE the payment history to paid as agreed never late ( PANNL ) per 15 USC1681b.

Your company is in clear violation of the law. Under 15 USC1681b permissible purpose 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. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

UPDATE the above late payments from my consumer report to paid as agreed never late ( PANNL ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the referenced account, and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC 1681n ).

I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PANNL ). 

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

I need you to investigate these accounts : Account Name : XXXX XXXX XXXX XXXX | Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX | Account Number : XXXX Account Name : XXXX  | Account Number : XXXX Once you have finished your investigations send me an updated credit report to the address stated above. Thank you!
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank Of America closed XXXX checking and XXXX savings account because there had been fraudulent activity on XXXX of the checking accounts. I received a letter XX/XX/2021 saying that a check for the balance in each account would be sent to the address on file. Repeated calls by me and a visit to each of XXXX bank managers disclosed that the checks were written and being held by " XXXX '' : an investigator in Texas. I was told they would notify me as soon as the investigation was complete. Finally, in XXXX of this year the manager of the closest bank to me said that because it was a " third party deposit '' that had caused the fraud, they would hold up the checks as much as " XXXX years ''.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (CA)

I opened a reward checking account with Axos Bank on XX/XX/2022 and included the promotional code XXXX in the application for their promotion of {$300.00} Bonus. I deposited total {$7300.00} between XX/XX/XXXX to XX/XX/2022 into the account following their terms of " You must have these deposit amounts within a single calendar month during the first three ( 3 ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank brand account ) to receive bonus credit. ". I believe I have met all the requirements stated in the the terms but I have not still received the {$300.00} bonus as they promised.
Consumer complaint received 2022-12-22
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. (NJ)

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. 

Account name : XXXX # XXXX, account name : XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX,, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX account name XXXX XXXX  XXXX # XXXX, account name : XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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.
Consumer complaint received 2022-12-23
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX  XXXX  XXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

My credit report shows that I had a credit card with SYNC/AMAZON with late payments back in 2016. That is incorrect information.

I currently have another SYNC/AMAZON credit card that is in good stating.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX bal. {$0.00}
Consumer complaint received 2022-12-22
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}.
Consumer complaint received 2022-12-23
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. (TX)

The charges with XXXX should be properly investigated because they are incorrect. I am currently submitting a dispute via mail. 


We moved out of our apartment ( XXXX de XXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.