davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Inaccuracy an privacy violation Due to Data Breach Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report that I believe have arisen as a result of a recent data breach involving my personal information. My dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information contained in consumer credit reports. 
Details of the Dispute : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Description of the Issue : I was informed that my personal information was compromised in a data breach at the credit reporting agencies, XXXX XXXX Experian XXXX XXXX XXXX This breach has likely led to the erroneous reporting of information on my credit report, including but not limited to inaccuracies on my credit report also a violation of the FCRA and my rite to privacy in leaked information as my social, address, account information and more. 
Requested Action : I ask that these following accounts be remove from my credit report immediately XXXX  XXXX account # XXXX XXXX Account # XXXX Premier XXXX/XXXX  XXXX  account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX I request that you investigate this matter and ensure that any inaccurate or fraudulent information related to this data breach is corrected or removed from my credit report. I also ask for confirmation in writing once these corrections have been made. 
Please provide me with a written response detailing the actions taken in this matter within [ reasonable timeframe, e.g., 30 days ] as stipulated by the FCRA. 
Thank you for your attention to this matter. I trust that you will act promptly to rectify any inaccuracies that have resulted from this unfortunate breach of my personal information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
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. (CA)

I write a letter with my dispute to Equifax and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with their Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

am submitting a complaint regarding inaccurate personal information on my credit report. My correct address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and my correct date of birth is XX/XX/year>. However, my credit report contains incorrect personal information, including wrong addresses and incorrect dates of birth. The accounts that are charged off on my report have wrong DOB & streeXXXX address that are not mine. As senior citizen this violating my rights This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ), which requires credit reporting agencies to maintain accurate personal information. I request that any accounts or information associated with incorrect personal details be promptly removed or corrected. 



Please investigate and ensure that my credit report reflects accurate and up-to-date information, and that any false data is deleted immediately, in accordance with the FCRA.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2024-10-17
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. (IL)

PLEASE ALL ACCOUNTS! AS PER THE THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX ACCORDING TO XXXX DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
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. (GA)

I need your assistance with the incorrect account appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your help. These accounts are being reported unfairly, and I want them removed.
Consumer complaint received 2024-10-17
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. (IL)

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX in The XXXX District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports!
Consumer complaint received 2024-08-28
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-12
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. (DE)

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. 
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 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
Consumer complaint received 2024-10-16
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-10
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. (UT)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for XXXX or XXXX home equity loans based on a XXXX XXXXXXXX XXXX XXXX XXXX  score of XXXX. 
My home bank declined me stating my trans credit score was in the XXXX. On credit karma, my XXXX XXXX score is over XXXX. XXXX XXXX XXXX XXXX would not give me my XXXX XXXX score. I called XXXX XXXX customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XXXX upon information and belief an account was opened in my name through Capitol One, NA. this account was charged off and sold to a collection agency and then sold again to XXXX XXXX in XXXX Virginia. I have disputed the account on a number of occasions with XXXX through XXXX XXXX. They response comes back the same that they debt is valid and has been verified. I have disputed this multiple times with the same above response until this last time I disputed the account and XXXX came back and advised that the account had been previously disputed and they refused to investigate the dispute again. I contacted XXXX on or about the XXXX XXXX XXXX XXXX XXXX and was advised that they did not have any applications, or documents associated with this account and therefore could not provide these requested documents to me that I needed to contact Capitol One. All along they have alleged the debt as valid when disputed. I also on or about the XXXXXXXX XXXX XXXXXXXX reached out to Captiol One and advised them this account was a fraudulent account and that I was not responsible for it. Once I advised this they refused to provide me with any documentation. They advised that the address I gave them through XXXX XXXX was the address of the account when it was opened. I just gained possession of this home in XXXXXXXX XXXX XXXXXXXX after a long investigation by the federal bankruptcy court. Captiol one advised that they had the debt in their system as a fraudulent account and that they would escalate it to a higher dept and someone would be in touch with me. I have heard nothing from capitol One. I was in a bankruptcy from XXXXXXXX XXXX XXXX and it was dismissed as a no asset distribution. This is not my account and I did not benefit from this account in any manner. I did not authorize this account to be opened in my name by any parties. Now both Capitol One and XXXX refuse to delete and remove this account from my credit report. It is damaging my credit and I am suffering both financially and mentally having to keep dealing with this account. XXXX advised they were authorized to settle the account for {$320.00} and that was the only way that it would be deleted from my credit report. This is not my account and I am not paying it.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AZ)

It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.
Consumer complaint received 2022-03-08
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. (NY)

I have submitted disputes through XXXX  and equifax. The loan shows as closed on my XXXX  report and it was paid off in XXXX of 2021. On my Equifax report the loan is still open with an unpaid balance. Both are incorrect.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

Account Ending : XXXX According to a rep in Discover Bank security dept/fraud by the name of Sunny, an amount of {$140.00} was sent to XXXX XXXX as part of a fraud claim. This amount was sent to XXXX XXXX and not myself I believe in error, attempted to obtain check number and or image of check, unable to do so. Further, I attempted to clarify account balance which showed overdrawn according to previous reps in the amount of $ XXXX, it now shows overdrawn in amount of $ XXXX according to Discover letter dated XX/XX/XXXX. It appears Discover made an error in calculating closing balance, it was not overdrawn prior to closing. The amount of {$140.00} is part of a fraud claim made in the amount of {$690.00}, prior complaint made in re, unresolved to date. This amount was also supposedly sent to XXXX XXXX, whom is unable to locate as far as I know. I've attached both letters showing different closing balances for reference. As for current overdrawn amount of $ XXXX, please advise Discover this appears to be an error and will not pay it, if sent to collections agency, they will be advised of account balance before closing and various different amounts thereafter which do not add up.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company XXXXXXXX XXXX XXXXXXXX received our loan after it was sold to them by XXXXXXXX XXXX 

We are an absentee owner and XXXXXXXX XXXX  failed to notify us at the correct address of record. Without proper notice they reported a delinquent status on our credit report and that resulted in a massive drop in my credit score.

S

ection 12 CFR 1024.32 ( a ) of the RESPA provision states the duty of the servicer and that the borrower must receive notices at their correct addresses. 12 CFR 1024.33 ( b ) ( 1 ) of the RESPA provision states that the mortgage servicer is in a breach of obligation as they must use the borrower 's correct address and confirm it as such.