davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've filed many dispute compliants with Transunion for an old XXXX bill. The account was closed XX/XX/2010 and the collection company keeps it reaccuring on my credit report. Because the bill is so old XXXX could not issue me proof but did give me the account information. I asked them could they give me a letter and they said there system can not generate that either. The amount owed reported on my credit report is also incorrect, {$1300.00}. I've filed several disputes to Transunion and they said they investigated, but I don't think they have. They state the information is correct but it is not. This collection agency renews this account every year with Transunion as an active account. Thanks for any help you may be able to provide in this matter.
Consumer complaint received 2020-08-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (TX)

Please review attached documentation. 

First notice of dispute with debt validation request sent on XX/XX/2020 - no validation response from M & T Bank Second notice of dispute sent on XX/XX/2020 - no response from M & T Bank 2nd Debt Validation Letter sent on XX/XX/2020 - awaiting response from M & T Bank
Consumer complaint received 2024-10-28
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)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. (LA)

In Accordance to the Fair Credit Reporting Act, XXXX account number XXXX. 
XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXXt account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OK)

Booked travel tickets on a Monday thought they were booked. The following Sunday I tried to login thru the airlines no record of them. Called chase they said must have been a computer glitch. Talk to supervisor XXXX was going to added the extra points on since flights have went up.XXXX  asked me to send a pics of what the originally price was. So I went to my browsing history where I thought they were purchased and sent the email to her. XXXX hung up on me after getting all the booking info. Called back to be on hold for a good hour thank XXXX the lady was patience because we got another supervisor name XXXX on the line that hung up before being fully transferred. Waited another 20 mins to get transferred to XXXX who couldn't do anything and told me it was my fault. I ended up talking to a agent in customer service and said they couldn't do anything either even tho is was a computer glitch on there end and that a supervisor gave out bad information. So I ended up canceling both of my credit cards with them. Good luck. If you look at all there reviews not the best credit card to go with anyway. 

The tickets were originally XXXX for two tickets. I had XXXX points was going to use them all and paid the difference of XXXX. 
Now they are XXXX. So I ended up using all my points and then paying the difference of {$370.00} and XXXX Pt.
Consumer complaint received 2020-08-25
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: SYNCHRONY FINANCIAL (DC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-25
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: AFNI INC. (IL)

I have a loan with XXXX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and AFNI ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), and AFNI ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PREFERRED CREDIT INC (NV)

I had contacted Preferred Credit multiple times to resolve the issue of my debt and paid off the amount that they said I owed. The last statement that was given to me was invalid along with repeat phone calls from company stating that I owe them more then what I have already paid to them in full. 

The company continuously kept calling me 4-7 times a day unlimited with no detailed message or a appropriate phone voicemail. I repeatly had asked them to provide me with the correct amount that needed to be paid but all they keep on doing is trying to argue with me and make matters worse. I asked them to cancel the card on file that should of been cancelled 3 years ago but nothing. Everyday I been getting phone calls from different people stating that I owe more then what I was told. When trying to settle the problem the company customer service or representative starts to make assumptions and argue with me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I disputed a closed account discrepancy on my XXXX and Equifax credit reports. The account balance closed dates and last payment dates were different. I disputed through both portals and XXXX reopened the account and changed nothing. Equifax changed nothing.
Consumer complaint received 2019-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion continues to display inaccurate information on my credit report. specifically stating my employer is XXXX XXXX. I have disputed this information multiple times. Every time Transunion comes back with some bogus excuse. This time they said that my dispute was illegible. How can it be illegible when it was typed. A copy has been attached to this complaint. Also a copy of the bogus letter the sent me is attached.
Consumer complaint received 2024-10-28
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. (GA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. 

Here are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXX  Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Equifax informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information.

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. 

I asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. 

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am reques
ting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Equifax comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have a new vehicle financed with XXXX XXXX. I wanted to re-finance my vehicle and requested pay off quote from XXXX XXXX ; my financial institution for re-finance assured me that my re-finance would be approved. I understand that I did not make payment because I did not want to get pay-off letters again n again. 
On XX/XX/XXXX, I requested Pay off letter and submitted it to XXXX XXXX XXXX for re-finance. Refinancing institution was backed up on the loan processing, so they requested new pay off letter on XXXX XXXX. 
I let XXXX know about my current situation, If they clearly told me that my account would be reported late ; I could have paid all amount on that date but I was not aware, I assumed that re-financing would be done sooner. I also emailed XXXX XXXX before my account was 45 days past due. Nobody stated to me that 45 days late reporting can not be stopped and it would be done automatically. 
I spoke with XXXX XXXX -Customer representative on XXXX XXXX and requested to not send my account for credit reporting as I am refinancing and also at the verge of buying new house. He advised me to pay at least {$500.00} to cover penalties and pay rest of amount until end of XXXX to avoid credit impact. I have recording of that call with me that I requested that my re-financing is taking a while and if it would not be done, then I will pay all amount I owe before end of XXXX. 
I paid {$500.00} and rest of payment for {$1200.00} is done on XXXX XXXX ( as promised ) but I see that even before end of XXXX, XXXX already reported 60 days late for my experian report. 
In my two years of auto loan financing, my all payments were on time and it only happened this time while waiting for re-finance. As my re-financing consumed lot of my time and I am at the brim of closing house for Escrow, I do not want additional inquiry or late payment on my account. so I have decided to continue my auto loan with XXXX XXXX for the time being.
Consumer complaint received 2024-10-29
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. (VA)

My credit report is reporting a bankruptcy which XXXX still have not furnished me proof that this account was verified. XXXX XXXX We have reviewed the information from our Bankruptcy XXXX and determined that the data being reported is unverifiable. Dispute of Bankruptcy XXXX Under 15 U.S.C. 1681c ( 5 ), Reference Number : XXXX. Under 15 U.S.C. 1681c ( 5 ), which governs the maximum time that adverse credit information, including bankruptcy, can be reported on consumer reports, this entry is either inaccurately reported or has exceeded the permissible reporting time. Please conduct a reinvestigation into this matter. I request that the inaccurate or outdated bankruptcy entry be removed from my credit report, or that I be provided with verification from the original source showing that the information is still valid and meets all the requirements for reporting under the Fair Credit Reporting Act. I have been disputing these issues for 9 months. Dates that I sent a letter requesting these issues be hand or furnish me with the necessary documents XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. XXXX sent a notice on XX/XX/year> stating they verified this information.
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: EQUIFAX, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Consumer complaint received 2021-02-21
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: EQUIFAX, INC. (IL)

I received a notification in my email that XX/XX/XXXX completed their investigation into my dispute of the following accounts File XXXX XX/XX/XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX ) ; I have faxed this information and sent certified mail to both Equifax and XX/XX/XXXXin regard to these same accounts. I demand that XX/XX/XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS