davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (VA)

On XXXX-20, attempted to register with XXXX XXXX and was told that identity could not be verified and to call Equifax.

On XXXX-20, attempted to talk with Equifax on the phone 2 times but was hung up on during the information verification process. Then attempted to file a dispute on their website online and encountered an error saying that I need to call Equifax customer care.

At this time, can not access my credit report and can not reach Equifax to resolve the issue.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc. (TX)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (NC)

Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XXXX XXXX XXXX XXXX XXXX I explained these payments were late because of not working because of COVID-19
Consumer complaint received 2024-08-23
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. (MO)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 15 USC 1681s-2 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. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Account ( XXXX XXXX XXXX ) XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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: Bread Financial Holdings, Inc. (LA)

This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2023 Funds were taken out of my checking account without my consent. I am currently in XXXX. I have been here since XX/XX/2023 and do not return until XX/XX/2023. This is information I provided chime and information I provided proof of. Funds were taken out and put into a " XXXX XXXX  '' account. I DO NOT have a XXXX  account. XXXX is not even allowed to be used where I am located currently, in XXXX. I reported these charges RIGHT AWAY to Chime and literally in less than a few hours after reporting they denied my claim. I then had to report this again and provide more information and told them these charges were COMPLETELY UNAUTHORIZED, THEY ARE FRAUD. I DO NOT have my debit card with me. I am in a location where it would literally be impossible to make transactions such as these. When I reported it again, they sent a confirmation email saying they're investigating and temporary funds would be added to my account by XX/XX/XXXX. Then right after receiving that email, within a few hours of reporting AGAIN, they denied the claim. They are not taking into account any of the information I'm providing. I even offered to sign a statement that states that these transactions were not done by me. I provided proof of me being in XXXX and can provide even more proof if needed. I need my funds back ASAP. They are absolutely not doing ANY sort of investigation and just blindly denying my claim despite overwhelming evidence in my favor.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (PA)

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with Upstart, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. Upstart is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Consumer complaint received 2024-08-23
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. (CA)

I received a copy of my consumer report on XX/XX/year> and there is some incomplete and non accurate information reporting to my report! According to he FCRA when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! These accounts ( XXXX ), ( XXXX ), ( XXXX  XXXX ), ( XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), Are incomplete and REPORTING inaccurate!
Consumer complaint received 2023-10-25
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. (NC)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am disputing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-10-25
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. (IL)

STUDENT LOAN : ALL XXXX XXXX XXXXXXXX/ XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I got a letter from data X stating that on XX/XX/year> there were some type of Internet inquiry or loan taken out with XXXX landing XXXX XXXX XXXX XXXX. This is not me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (GA)

I have been requesting for the past few months that the account be appropriately reported on my credit report by the three credit reporting agencies and XXXX XXXX  account XXXX the credit card company. My credit report has erroneous information from all three credit reporting organizations. and the results of each inquiry I request are consistently accurate and validated. In actuality, though, my credit record shows that it is blank with one agency and a collection on another that is OK with another. As a protected consumer, I demand that my credit report 's accuracy be fixed. It is making me less worthy of credit. 

The Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) became effective on XX/XX/year>. The FCRA is designed to regulate the consumer reporting industry ; to place disclosure obligations on users of consumer reports ; and to ensure fair, timely, and accurate reporting of credit information.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am filing this complaint to bring to your attention the failure of XXXX to properly investigate a dispute I raised regarding inaccuracies in my credit report. On XX/XX/XXXX, I sent a certified dispute letter to XXXX. In response, I received an automated reply, which clearly indicates that my request was not thoroughly reviewed. It has now been over XXXX months, and I have yet to receive any further communication or resolution from XXXX regarding this matter. 

XXXX 's actions are in clear violation of 15 U.S.C. 1681e, which mandates that " 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. '' Furthermore, they have not complied with the requirements set forth in 12 CFR Part 1022 ( Regulation V ), which obligates furnishers to : A. Provide information about accounts or other relationships with a consumer that has integrity.

B. Ensure that information furnished about accounts or other relationships with a consumer is accurate.

C. Conduct reasonable investigations of consumer disputes. 

According to the XXXX XXXX XXXX XXXX ( XXXX ), it is also required that consumer reporting agencies adhere to Metro 2 compliance standards when making lawful reports. It is evident that Experian has not followed these standards or the laws that protect consumers like myself. 

Given their failure to address my dispute adequately, my next step is to file a lawsuit against XXXX. I am serious about holding them accountable for not adhering to their legal obligations, and I request that the CFPB intervene to ensure that this matter is investigated properly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-18
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. (NV)

This credit reporting agency is reporting inaccurate information. I am a victim of Identity theft and have reported this to the bureaus sent in the documentation and nothing has happened to resolve this matter. I have attached the identity theft report with misinformation and accounts opened fraudulently. 

According to the FCRA, Information shall not be furnished without my written consent. No one has my written consent to furnish inaccuracies that result in negative items being added to my report.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Santander Consumer USA Holdings Inc. (IN)

RE-INSERT ALL ACCOUNTS INTO MY CREDIT PROFILES WITH  XXXX  OR BE SUED IN CLASSACTION EFFORTS.     THE CREDIT FURNISHER PAY   XXXX   MILLIONS IN FEES AND NOW ARE PUTTING YOU BANK IN JEOPARDY!     YOU HAVE 15 DAYS TO COMPLY OR BE SUED ALONG WITH  XXXX .     THEIR A  RE 100+ CONSUMER REPORTING AND CLIENT REPORTING LAWS BEING BROKEN.
THE DODD FRANK ACT EQUAL CREDIT OPPORTUNITY
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am filing this complaint to bring to your attention the failure of XXXX to properly investigate a dispute I raised regarding inaccuracies in my credit report. On XX/XX/XXXX, I sent a certified dispute letter to XXXX. In response, I received an automated reply, which clearly indicates that my request was not thoroughly reviewed. It has now been over XXXX months, and I have yet to receive any further communication or resolution from XXXX regarding this matter. 

XXXX 's actions are in clear violation of 15 U.S.C. 1681e, which mandates that " 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. '' Furthermore, they have not complied with the requirements set forth in 12 CFR Part 1022 ( Regulation V ), which obligates furnishers to : A. Provide information about accounts or other relationships with a consumer that has integrity.

B. Ensure that information furnished about accounts or other relationships with a consumer is accurate.

C. Conduct reasonable investigations of consumer disputes. 

According to the XXXX XXXX XXXX XXXX ( XXXX ), it is also required that consumer reporting agencies adhere to Metro 2 compliance standards when making lawful reports. It is evident that XXXX has not followed these standards or the laws that protect consumers like myself. 

Given their failure to address my dispute adequately, my next step is to file a lawsuit against XXXX. I am serious about holding them accountable for not adhering to their legal obligations, and I request that the CFPB intervene to ensure that this matter is investigated properly. 

Thank you for your attention to this matter.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (TX)

I was referred to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX by my mother. She previously purchased 2 cars from them and was satisfied. She referred me to a sales person XXXX XXXX. I explained my situation and provided her with my personal information XX/XX/2019. I was upside down by XXXX and trusted them to provide me with the best solution. On XX/XX/2019, I go into the dealership, they have a car ready for me, a XXXX XXXX, they sale me on the fact that the car comes with a tax credit. I wasn't going to go with the deal because the payment was more than I anticipated which was {$770.00} per month. XXXX then takes me in the office with her Finance Manager XXXX, XXXX says that he tried to get Honda 's in house finance department to lower my rate to 2 % but couldn't, however, if I make my payments on time for 1 year. I should call Honda and get a modification to lower my interest rate to 2 %. I move forward we the deal with the understanding that I can call and lower my rate in one year. One year later, I reach out to the financial manager XXXX to inquiry about to program to lower my rate to 2 % and I haven't received a response. Then reach out to Honda financial and they inform me that this program doesn't exist. Not only does it not exist, but they can't even refinance me. They are not a bank and don't refinance. Due to the negative equity that I rolled in and the negative equity that come with this particular model. There is no way for me to refinance without paying it all upfront. I was totally mislead and was put in a worse situation than I started in.