davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 XXXX 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 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please find attached : ( XXXX ) all pages governed by the XXXX  related to each parties contractual obligations to Account # XXXX, ( XXXX ) The current payment demand dated XXXXby Bank Of America, NA for {$280.00} XXXX all pages ) received XX/XX/2023, ( XXXX ) copies of that payment issued pursuant to and in accordance with this Debtor 's contractual obligations and that lender 's servicer 's agreed to terms [ now appearing to be modified without the consent of the debtor/borrower ] for {$760.00} sent by Certified U. S. Mail and Noticed as delivered on XX/XX/2023 XXXX XXXX ) the postal print out of the failures of BOA NA to retrieve that payment in a timely manner. This lender and servicer is acting, without exception with and in BAD FAITH at each and every turn ( XXXX ) is that demand of the Legal Department of Bank of America related to that necessary Loan Modification and assistance with their security interest in that Vehicle which collateralizes the debt, not only have they failed and refused to communicate they also failed and refused so execute the Return Receipt attached to that Certified Mailing causing a Chargeback to be had for that {$8.00} paid to USPS for the service they failed to perform and obtain. 
It is blatantly obvious there is but XXXX party bound by the terms of that contract and XXXX party that completely flouts the laws behind the contract making that relationship and contract unenforceable in law and fact.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I applied for the " XXXX XXXX XXXX '' with Chase Bank and was approved on XX/XX/23. I was advertised a promotional offer of XXXX bonus miles and XXXX XXXX XXXX XXXX upon spending {$5000.00} within XXXX months of opening the account. I received this offer via postal mail and online through my XXXX XXXX. I do not keep mail, but I was able to retain a printout of the online offer. 

Before I was approved for the card, I noted that the XXXX XXXX XXXX XXXX were not in the documents sent to me after I submitted my application. I promptly contacted Chase customer service through XXXX ( @ Chase ) on XX/XX/23 alerting them to this. At XXXX XXXX Chase responded with this message : " Good morning! Thank you for applying on our XXXX XXXX XXXX XXXX. I understand that you'd like to take advantage of the new account bonus offer where you can earn XXXX bonus miles and XXXXXXXX XXXX after spending {$5000.00} in XXXX months. Please provide your full name and zip code, so I can look into this and point you in the right direction. ^VP '' After a few hours, I had received notification of credit approval, but no mention of the XXXXXXXX XXXX  confirmed by the agent in the message above. 

I wrote back promptly asking them to rectify this. I was told it would take a few days for a " marketing team '' to consider my question. This was despite the fact that they already confirmed that was the offer I wanted. 

The following day, the marketing team responded and said that I was eligible for the offer but would only apply it if I would take a photo of a physical piece of mail that confirmed it. I informed them that I did not have the physical mail anymore, but I had screenshots of the website that confirmed the offer. And, the prior agent confirmed that I was eligible. They told me they would take another few days to consider. 

Chase now says that they will not honor that offer without me producing a physical piece of mail despite other, sufficient documentation that the offer was indeed what I applied for. In my opinion, this constitutes false advertising.
Consumer complaint received 2024-10-26
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 filing this complaint regarding incorrect late payment reports on my XXXX XXXX XXXX, issued by XXXX XXXX XXXX, for XX/XX/year> and XX/XX/year>. I have made several attempts to resolve this issue directly with XXXX XXXX customer service. Specifically, I have contacted their representatives on three separate occasions, explaining that these late payments are inaccurate and requesting that they correct the information on my credit report.

Each time, I was told that my case would be reviewed, and I would be contacted with a resolution. Unfortunately, I was never contacted, and the incorrect late payment remarks were added to my credit report. These remarks have negatively impacted my credit score.

Despite my attempts to resolve this issue directly with XXXX XXXX, no action has been taken to correct the inaccuracies.

I also attempted to dispute the inaccuracies directly with the credit bureaus, but each time I was told that the late payments were verified by XXXX XXXX, yet no documentation or evidence was ever provided to support this. To make matters worse, XXXX XXXX and XXXX XXXX were recently fined for incorrectly reporting information and mishandling customer disputes. I believe I am a victim of this same behavior, as my attempts to resolve this issue have been ignored, and the incorrect information continues to negatively affect my credit report.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX Equifax continues to report name, addresses incorrect on my credit report.
Consumer complaint received 2024-10-30
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. (CA)

I am writing to formally request that the following accounts be blocked and permanently removed from my credit report due to my status as a victim of identity theft. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information blocked from my credit report, and I request the removal of these items without delay. 
The fraudulent accounts I am disputing are as follows : XXXX. XXXXXXXX XXXX XXXX XXXXccount XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at XXXX. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.
Consumer complaint received 2024-10-26
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)

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXXXXXX XXXX XXXX  According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt. 
4. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tons of hard inquiries on my credit report, and I have no idea who they are from I have applied to none of these companies for anything. I have had my identity stolen before. I had personal information stolen when my car was stolen last year I am not sure if any of this has something to do with the inquiries. It appears someone has been inquiring on some types of loans or credit accounts. I was directed here while trying to file a report and make disputes. The following companies have made inquiries on my report and I don't even know who they are It seems to be around the time my car was stolen. I am looking for a copy of my police report, I can't locate it at the moment but I can get a copy of it if I need to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/year> XXXX Requested a copy of my Credit Report to open an account & was done w/o my permission & consent. I asked them to remove the Hard Inquiry because it was Fraudulently obtained with a Fraud Alert on my Report stating not to release my Credit Report w/o my consent or permission, but they did it anyway & w/o my consent & permission & cant get them to remove the Hard Inquiry because the Company want report it as fraudulent even tho they already stated a prior request was fraudulently obtained. All I want is the Hard Inquiry removed that I never requested to be done & was obtained w/o my permission or consent & this has been going on over 9 months & had no problem w/the companies removing any other inquiries because they determined it was obtained Fraudulently & Without my knowledge. Please help me get this Hard Inquiry removed because its messing up my credit & my score preventing me from obtaining a home loan & credit line increases on credit cards I actually obtained a few years ago! Please help me get this Hard Inquiry removed, so I can get my credit straight! Thank You So Much for any & all of your help! I only want my Hard Inquiry removed!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time there were sudden discrepancies. I even refreshed my browser, thinking it was a glitch, but nothing changed. Those wrong accounts stayed on my report. I'm now asking that the documents I've provided be carefully reviewed so I can stop worrying about this once and for all.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Subject : Complaint Regarding Charge-Off on Loan for XXXX XXXX XXXX To Whom It May Concern : I am writing to formally request the CFPBs assistance regarding a charge-off reported on my account for a XXXX XXXX XXXXXXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments.

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation.

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines.

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.