davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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)

I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-08-12
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. (CA)

I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (NV)

Please see attached additional documentation from XXXX refusing to allow me to redeem my money so I can put it back in my checking account. Refer to compliant ID XXXX.as continuation of the case matter. 

Thank you, XXXX XXXX, XXXX
Consumer complaint received 2022-08-12
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)

In accordance with the Fair Credit Reporting act 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

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 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDNELNET, XXXX  XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (OH)

Consumer Financial Protection Bureau, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in 2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Consumer complaint received 2022-08-12
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SYSTEMS, 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 an account without my written instructions
Consumer complaint received 2022-08-12
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 2019-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I was taken a look at my XXXX XXXX report and I see I have a collection debt account for {$470.00} from TRANSWORLD SYSTEMS for XXXX XXXX XXXX I have no knowledge of this company account with TRANSWORLD SYSTEMS for XXXX XXXX XXXX taken in XX/XX/2016 This is the only collection on my credit report and I would like it removed
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I took out a loan with TOWER LOAN/XXXX XXXX in XXXX LA XXXX on XX/XX/XXXX ... .I am constantly trying to make payments each month and this company is REFUSING MY PAYMENTS IF THEY ARE PARTIAL!! I spoke with the management XXXX XXXX on XX/XX/XXXX in the office. I told her I CAN meet the payments they have in place ON TIME by DEBIT CARD over the phone each month. The manager stated to me they can ONLY ACCEPT PARTIAL PAYMENTS IN CASH AND IN THE OFFICE IN PERSON!! THEY WOULD NOT TAKE MY PAYMENT FROM MY DEBIT OR CREDIT CARD UNLESS IT WAS THE AMOUNT THEY WANTED!! I asked her to place this in writing please, she refused to do so and told me the company would not allow it..She offered to come to my home and collect any payments I had but they had to be IN CASH ONLY SHE SAID OTHERWISE SHE COULD NOT ACCEPT!! I have XXXX XXXX children and I can not continually go to their office and make payments because they REFUSE MY PARTIAL PAYMENTS OVER THE PHONE!! She stated to me on XX/XX/XXXX that the the SYSTEM WILL NOT ALLOW HER TO TAKE ANY PARTIAL PAYMENT FROM ME THAT WAS NOT IN PURE CASH!! I asked her if she would place this in writing as well... she refused this also and stated there is no point and the company would not allow it. I am trying to keep my account current but I am being charged COUNTLESS LATE FEES MONTHLY because they WILL NOT ACCEPT MY PARTIAL PAYMENTS!!! I can not travel to get cash each month to give this company due to XXXX of my children XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BUT I CAN PAY OVER THE PHONE!!!! I explained this to this company thoroughly and she refused to assist me in any way further. She told me it was my responsibility to get to their office WITH THOSE XXXX  CHILDREN!!!! They also called me and my family a told of 42 times in 1 month repeatedly!!!! I asked on XX/XX/XXXX that this company would stop the excessive calls to myself and third parties on the application because it is beginning to become harassment. The manager refused and stated this is what has to be in order to collect payments. I asked if calls were being documented because the company even calls BEFORE DUE DATES ... the manager stated calls ARE BEING DOCUMENTED!!!! Including all calls total to third parties as well..this company has called a total of 68 times in 1 month!! I have each date and time to each person they have called!! It's ridiculous and causing me financial stress and strain!!
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (AZ)

My mortgage was originally serviced with Suntrust, which merged with Truist officially sometime between March 1-5 2022. Truist claims during the servicing transfer that there will be no late payments charged for 60 days following the transfer and no derogatory reporting to the bureaus for 90 days following the transfer. My mortgage autopay was cancelled during the transfer and the XXXX payment was not made. Truist claims they sent me a letter in the mail on XX/XX/XXXX notifying my of the late payment but I never received such a notice in the mail. I also never received a call or email from Truist regarding this. On XX/XX/XXXX I received a call stating my mortgage was 30 days late and I immediately made 2 months mortgage payments on the phone ; however, was told that although the late fee can be removed from my balance, they couldnt help me with the negative reporting because it was already reported to the bureaus. I have been trying to get a hold of anyone at Truist who can help me correct this derogatory from months now. Wait times on the phone were pushing 2 hours at times for me just to talk to someone. Every rep I talked to at Truist confirmed with me that yes, the transfer happened the first week of XXXX, and that I should be covered under the XXXX grace period for non-reporting of derogatories to credit bureaus ; however, none of these reps could ever provide that info to me in writing. They refused. They confirmed that they have had a large amount of customers claiming that payments never went through following the transfer and that I was not alone. Every phone call ended with the rep initiating a dispute with Truist to get the late payment removed, and every time i received the same template document in the mail stating that my account is accurate as reported.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently pulled a copy of my credit report after disputing with the credit agencies and noticed they are still reporting addresses that I have never lived at. they are also not reporting legally my name as it is on my California Drivers license and Social Security card. I have written them several times with this matter and they refuse to delete the incorrect information from my credit file. 

this is the correct way my name should appear ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX are addresses that I have never lived at. Please remove this inaccurate information
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2022-08-11
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (ND)

My name is XXXX XXXX and I originally financed my vehicle with TD auto finance with an account number of XXXX. I refinanced my loan with XXXX and they paid my loan in full to TD auto finance XXXX XX/XX/2019. However, Every time I check my account it still doesnt reflect that it was paid and they even charged me monthly payment automatically for XXXX XXXX. I called multiple times to resolve the issue and they always reassure me that it is already being taken care. It is now XXXX and I am still getting a bill from TD auto finance and they even have the nerve to say that I am two months overdue and now being charged late fees. This is getting ridiculous! This bank brought me nothing but pain and inconvenience. They are the once who owe me late fees for poor service. Please assist.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (PA)

Fraudulent account identity theft XXXXXXXX XXXX XXXXl Open XX/XX/18 Amount XXXX This fraudulent account was previously deleted from credit report but continues to reappear Equifax sent me a letter stating the creditor doesn't show on my report but the creditor still is showing
Consumer complaint received 2022-08-11
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. (FL)

in accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : 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
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # 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 2022-08-12
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX