davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX I, XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2023-04-14
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. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Uplift, Inc (MI)

I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor Uplift, Inc.provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. 

I have reviewed my consumer report from XXXX and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for Uplift , Inc. account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. 

To Uplift , Inc. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.
Consumer complaint received 2024-11-14
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-04-14
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)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following remaining items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-14
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. (SC)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$470.00}, XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FC HoldCo LLC (GA)

XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use. 

After receiving the banks information, I called Flagship and asked if it could be reversed and they could push it through, since they used my information. XXXX stated it was unfortunate that they could not.
Consumer complaint received 2023-04-14
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX XXXX .... Date opened XX/XX/2012 Balance : {$5000.00}
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (WY)

I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.
Consumer complaint received 2023-04-14
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. (MO)

I am formally requesting by submitting this CFPB complaint to remove the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I am submititng this Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 

XXXX XXXX XXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX XXXX : {$0.00} I need to dispute charge off accounts that are still being reported on my credit file with a XXXX balance. These accounts have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (FL)

I traded my vehicle in 2021 and it was paid in full. A loan release statement never reached me and now I'm trying to get a mortgage but the loan is still showing on my credit report. After 5 calls now to try and get a statement from them to state the loan was paid I'm still unsuccessful. I am told each time that the file has been archived and they can't access it. It's reckless to archive a file without updating the credit bureau. I stand a great chance now of losing my home loan due to this as it increases my debt to income ratio.
Consumer complaint received 2017-12-06
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: WELLS FARGO & COMPANY (NV)

On XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, Wells Fargo Card Services reported a two hard inquiries on my XXXX Credit Report that I did not authorize. I sent them two certified letters on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiries. While they are still being reported on my credit report.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Still fail to see how a breakdown in YOUR security is grounds for keeping my money from me. You say you can't prove I didn't have a hand in it, and I don't have information because I am the one who got robbed blind. this isn't going to be an instance where I just lay down and except Wells Fargo denying the responsibility you have to protect me. in order for a scammer to get access to my account, would mean that they had already compromised your system which is in no way my fault. and I have done everything to a T that was asked of me. its time for Wells Fargo to step up to the plate and make this right. I shouldn't have to go to the FBI and go down a rabbit hole with them that won't yield any result, you know it as well as I do. I've filed with FTC, CFPB, local law, local news outlets and attorney general. at what point will this Bank make right what is clearly its fault and for once do what's right and take care of a customer who has been faithful for 20 years. I will not let this go and I will drag it out until such time as it is made right by wellsfargo.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My payments are due on XXXX of every month After I made a payment and the last day of the month ( XX/XX/XXXX for XX/XX/XXXX payment ) it was due and payment credited, XXXX XXXX reported me over 30 days late when I paid the payment prior to the new payment becoming due now since they reported this inaccurate my credit drop 65 plus points
Consumer complaint received 2023-04-14
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-17
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020
Consumer complaint received 2023-04-17
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. (MI)

This credit agency the high balance on my loan shows {$8200.00} when in fact the original balance was {$12000.00} that's a huge difference and that's a violation of the Fair Credit Reporting Act I don't feel I should have to take my time and provide screenshots if everybody was doing their job properly I'm a very busy person since I had my car repossessed this is so unfair one of my credit report says the account was open the other one says it's closed XXXX XXXX says totally different I would like to know what method they're using to verify because something is way off here and I'm not liking it and it's forcing me to take a legal action and if something is not done with us that is what's going to happen because that's that's a violation of my rights completely like I said I should not have to provide screenshots if everybody gets together and Compares things with the proper method they will automatically see that I'm right in this
Consumer complaint received 2023-04-14
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)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I owned a business back in 2008 that I took a credit card out from capital one with a credit limit of XXXX everything went well for the first 6 months then I started getting charged over the limit fees each month in the amount of XXXX each month i called and was told they would not remove them after a year i gave up paying on it they had doubled what i owed them raised my interest rate now they have hired an attorney which has put XXXX judgement 's against me for it XXXX on my checking account XXXX on my state taxes and the XXXX XXXX is on my house which has a mortgage on it all for the amount of XXXX this is outrageous for such a small amount since then I have lost my business due to the economy