davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , D.C. XXXX Subject : Complaint Against Equifax for Discriminatory Practices Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Equifax regarding what I believe to be retaliation practices in their handling of my credit report/credit score and related services. My name is XXXX XXXX XXXX Issue Description : I discovered that my credit score has been dropping, Ever since i been filing complaints against there company about inaccuracies that need to be corrected. My credit score shouldn't have dropped all of my accounts are in good standings, no derogatory marks, payment history- High impact, Credit card usage- High impact, Hard inquiries- Excellent.

that I believe reflects as retaliation. unfair treatment, such as discrepancies that relate to my race too Despite my efforts to correct these inaccuracies, including [ mention any steps taken, such as submitting documentation or contacting customer service ], my concerns have not been adequately addressed.

**Attempts to Resolve** : I have reached out to Equifax multiple times, on XX/XX/year>, XXXX of correspondence ], and have provided documentation as well. 

However, I feel that my concerns have not been treated with the seriousness they deserve, and no satisfactory resolution has been offered. 

**Desired Outcome** : I am seeking your assistance in investigating this matter and ensuring that Equifax adheres to fair practices in their credit reporting. It is crucial for consumers to receive equitable treatment, free from discrimination, retaliation based on personal characteristics. 

I appreciate your attention to this serious issue and look forward to your response regarding the steps that can be taken to address this complaint. 

Thank you for your support in promoting fairness and accountability in the financial services industry. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 
XXXX XXXX XXXX
Consumer complaint received 2021-02-14
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: EQUIFAX, INC. (NJ)

I contacted Equifax on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft! 
XXXX XXXX XXXX {$710.00} *XXXX XXXX XXXX {$6600.00} To date XX/XX/XXXX, Equifax failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX ). Equifax 's response on XX/XX/XXXX was : " Please be advised that an investigation with the furnisher of information has been initiated ''. It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ). 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc. (FL)

This violated my XXXX rights, made me pay an illegal down payment, I've been misled and deceived into making payments even though the finance charge in pursuant to 15 USC 1605 clearly states that the finance charge is the sum of all charges it also states that the insurance is included in the finance charge and pursuant to 15 USC 1605 cleary explain my right to rescind over charged me and made me pay for 3rd party insuranofce 2x. and now they illegally repossed my car with a court order in pursuant to 15 usc 1692 ( f ) 6 which states : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.they had no right to come take my car. they take advantage consumers because they know most people are not aware of the law. I AM XXXX AND WAS XXXX XXXX XXXX XXXX  IN PURSUANT TO15 USC 1611 knowingly failing to provide information which they're required to disclose they shall be fined not morethan XXXX or in prisoned for not more than XXXX year,
Consumer complaint received 2024-08-14
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. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

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 2024-11-14
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. (NY)

XXXX XXXX XXXX  must be removed from my credit report. I was denied credit due to this fraudulent account on my XXXX, transunion, and XXXX credit reports.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : TRANSWORLD SYSTEM INC XXXX
Consumer complaint received 2024-08-14
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX, After EQUIFAX completes XXXX investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( XXXX ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Consumer complaint received 2022-11-13
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. (TN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXX XXXX XXXX XXXX  # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXXXXXX XXXX  Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXXXXXX XXXX  # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

XXXX XXXX XXXX XXXX XXXX TX XXXX PNC Bank Blocked my XXXX access. 

I am writing to formally express my concern and dissatisfaction with the recent blocking of my access to XXXX through my PNC Bank account. I have been a loyal customer of PNC Bank for years 14 years now and have utilized XXXX for a variety of personal and financial transactions without issue until now. 

On XX/XX/year>, I attempted to access my XXXX account, only to find that my access had been blocked. I have not received any prior communication or explanation from PNC Bank regarding the reason for this action. This sudden restriction has caused me significant inconvenience, as I rely on XXXX for timely transactions and payments. 

I kindly request a detailed explanation as to why my XXXX access has been blocked and the steps required to resolve this issue promptly. It is crucial for me to understand the reasoning behind this action, especially since I have not been informed of any violations or issues that would warrant such a response. 

Furthermore, I expect PNC Bank to take immediate action to restore my access to XXXX or provide a valid reason for its continued restriction. Transparency and effective communication are essential in maintaining customer trust, and I am disappointed by the lack of information provided in this situation. 

Please consider this letter as an official complaint and address the issue as soon as possible. 

Thank you for your prompt attention to this issue. I look forward to your immediate response and a swift resolution.
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. (NY)

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/year> which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I recently disputed this information several times with Experian and the Auto Lender. Experian will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that Experian didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.