davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (FL)

For XXXX XXXX years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by XXXX  points. They never gave me XXXX  points when I was 4 straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just XXXX  points is outrageous but I never advanced with the 4+ years been timely. Please help me this feels unethical wrong.
Consumer complaint received 2024-08-13
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. (TX)

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

XXXX XXXX XXXX XXXX {$1900.00} Open date : XX/XX/year> The credit bureaus have also violated the following laws in this matter : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.
Consumer complaint received 2024-08-13
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. (VA)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX  XXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$5800.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$6400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$7600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$4200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX {$4400.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} XX/XX/XXXX
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name XXXX XXXX  Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

Company allowed me to sign up for a next day loan, and immediatly added egregious interest rates that caused the repayment amount to be unreasonable to pay back. Have been sending threatening emails.
Consumer complaint received 2024-10-28
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: WELLS FARGO & COMPANY (IL)

I have a fraud alert on my credit report which means creditors have to contact me to verify my identity when they perform credit check, which results in a hard inquiry on my credit report. On XX/XX/year>, I was contacted by Wells Fargo. I was informed they were contacting me to verify my identity because I have a fraud alert on my credit report. I verified my identity as accurate, as I did apply for credit with Wells Fargo. Upon verifying my identity, I checked my credit report a few day later an noticed I had XXXX hard inquires from Wells Fargo on XX/XX/year>. I contacted Well Fargo and informed them of this. Wells Fargo informed me XXXX placed an extra hard inquiry on my credit report. I told them that is impossible because XXXX will only place a hard inquiry when asked to do so and in this case they have Wells Fargo listed for XXXX hard inquires placed on my credit report on XX/XX/year>. They told me to contact XXXX. Upon contact XXXX, I was informed they will not place a hard inquiry unless contacted my a creditor. Besides, both hard inquires are listed for Wells Fargo. I contacted Wells Fargo and demanded they remove on of the hard inquires and they have been adamant that only XXXX inquiry is on my credit report. How can the creditor tell me what is on my credit report? I would like to know how can I take litigation against Wells Fargo for this matter?
Consumer complaint received 2024-08-12
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. (TN)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-12
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. (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. 

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 XXXXXXXX CO : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX 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 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 2024-08-13
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)

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX.
Consumer complaint received 2024-08-12
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. (AZ)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

I used the Truist ATM is make a cash deposit. In the process partial part of my deposit was denied and the machine spit out the money which I was able to get. However {$490.00} was not given back to me, it was not made available for me to get back ; and the branch nor the XXXX made effort to return the money to me. The ATM spit out a receipt telling me that the deposit didnt take and the money is being kept safe for me. I filed a claim the same day and no one could do anything. This is theft and Truist is not returning my money. Truist has stolen my money.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-12
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. (FL)

The accuracy of information associated with my credit report. The account in question is listed below, and despite a previous investigation, it continues to appear on my report with inaccuracies that are significantly damaging my credit score. I request that this item be re-investigated immediately. 

**Account Name : ** XXXX XXXXXXXX XXXX XXXXAccount Number : ** XXXX **Dates of Alleged Late Payments : ** XX/XX/year> It is reported that this account is 60 days past due, which is inaccurate as I have consistently made my payments on time. The persistence of such inaccuracies is concerning and must be corrected. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request the names and business addresses of each individual with whom you verified the information regarding this account. This will allow me to follow up on this matter directly. 

Additionally, please send me an updated copy of my credit report once your re-investigation is complete. 

I have attached a screenshot to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report accurate and complete information.
Consumer complaint received 2024-08-12
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. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX  distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments listed. I sent letters about this over 30 days ago but haven't received any response or satisfactory validation. I'm seeking help to resolve this issue quickly and effectively.
Consumer complaint received 2022-05-20
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. (NJ)

In Accordance with the Fair Credit Reporting Act, the company below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX claims that they have been in contact with me about a debt in XXXX, which is completely false. I've never spoken to or agreed to pay any amount to this company. They were not able to provide info stating that I spoke to or agreed by contract. Please have them provide information regarding this conversation. There is a collection on my credit report for XXXX in which they claim I agreed to pay.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XX/XX/2024. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written Communication. In this debt validation I am asking for detailed list of my history of payments on this account, the original contract with my signature agreeing to pay this creditor, proof that you have a chain of title to collect on this debt, also asking to see if there had been Insurance claims filed on this account. With out Providing proof, these accounts should be removed from XXXX, XXXX, and XXXX ; immediately.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (GA)

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX Carmax
Consumer complaint received 2024-08-12
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. (LA)

Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.
Consumer complaint received 2024-08-12
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. (TX)

Received letter from XXXX stating my application for a credit card had been declined because of negative report provided by XXXX. I DID NOT apply for a XXXX card. When I pulled credit reports I did find the XXXX request on XXXX I called XXXX and they would not provide information about the false application but said they would report the fraud to XXXX. I contacted XXXX and they said I should file this report. I also checked Transunion and XXXX. Neither had a hard inquiry from XXXX but both had one from XXXX XXXX which I had not applied for. I contacted XXXX. They would not provide any information about the application and were not cooperative. I called Transunion and they said to file this report and mail them a copy. I have not called XXXX but I assume they will tell me the same thing. I have frozen my account at all 3 agencies.