davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (FL)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX, XXXX are reporting incorrect information on the account listed as XXXX account number XXXX. The information is not consistent among the credit bureaus which means they have not performed a reasonable investigation into this account. 

Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$170000.00} {$170000.00} {$0.00} Payment Status : Unknown Late 60 Days Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Debt included in or XXXX through Bankruptcy XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  FHA mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-17
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)

As of XX/XX/year> XXXX XXXX auto finance had been under Cease and desist order for communication by all means and had violated by reporting transaction history of account to third party agency who is not an authorized affiliate Which is a violation of my federally protected consumer rights
Consumer complaint received 2020-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I went to purchase a car in XX/XX/XXXX. I was coerced into a predatory loan and finaced by Santander Consumer USA Inc. The interest rate is 23 %. My monthly payments are {$600.00}. I can not afford that payment. The Company knew that i did not have much income at the time of purchase, yet it qualified me somehow and stick me with this high payment that is on the road they calculated for default.
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

Hello, On XX/XX/2020 and my XX/XX/2020, my bank account was my Chase Bank checking account was withdrawn for the amount of {$1800.00}. 
XXXX by my mortgage company XXXX XXXX XXXX. 
When I contacted the mortgage company, they said that they were only able to refund a single payment for {$1800.00} because they only received one payment. The mortgage company has said that Chase bank stopped payment on the other, so it never showed in the mortgage system and thus doesn't exist. 
At this point I called my bank to report and resolve the error. Chase representative was quick to issue a credit. However, once a review was done on the account Chase saw one credit for {$1800.00} and reversed their initial credit from my account. So at this point I am back to having two debits for {$1800.00} and a single credit from the mortgage company for {$1800.00}. 

XXXX XXXX XXXX remains to state they only received a single credit, which they refunded, so a payment for XXXX was still due and I had to send them another payment to remain current for the correct mortgage amount of {$1700.00}. Chase Bank on their side informed me they filled the initial dispute incorrectly and was going to resubmit for the credit to be placed back to my account. 

Now, over a month later ( XXXX XXXX, 2020 ), Chase informed me that they are not going to help or correct their error and they consider that the matter is resolved. Meanwhile, I and missing a total of {$1800.00} that no one is willing or trying to locate. Its vital for my livelihood and my young family that this matter is taken seriously and resolve with locating my funds and adding them back into my account.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2024-09-25
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. (AL)

My social security, name, address, old addresses, and other information has been placed on dark web using different addresses and telephone numbers. I have placed a freeze on my credit but someone is constantly using my information per my credit reports. I asked for a freeze and fraud alert on my credit. Also someone got an EIN number using my information with a company name XXXX XXXX XXXX. Ive already reported it as well and have not received any response. I need help. Please see these numbers listed on my credit report now ; XXXX, XXXX, XXXX. Also this name and address appeared on my credit XXXX XXXX XXXX with the address XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, and XXXX XXXX, XXXX, AL. Please assist me with protecting my credit that has been compromised.
Consumer complaint received 2024-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/year> it shows that Capital One Bank USA made an Hard Inquiry on My Credit Reports without XXXX, XXXX, & XXXX without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding XXXX other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON XXXX XXXX XXXX XXXX XXXX Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from 1yr - 6yrs & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly 20 points & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY 3 CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the Hard Inquiry & Capital One Bank USA pulled this Hard Inquiry on XX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccurate.
Consumer complaint received 2024-09-20
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I recently checked my credit report and noticed that I had false or fraudulant late payments on my accounts. My account for XXXX was always paid on time as well it was paid off and it needs to be removed. It is hurting my ability to obtain credit grealty, please help.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

Without any proper notice I was informed that my account was placed on restriction. I only found out because my card kept getting declined when I knew I had funds available. So I called them. I called and they informed me that the state informed them to do that due to the unemployment fraud. I was told to submit and Id/ss card for verification purposes. I did that I was then informed that it would take 3-5 business days for funds to be available after documentation was submitted. They do not have any physical branches, just online backing so I had no access to my funds. This has been over a month and not be able to utilize my money. After 5 days my card still was declining I called back again. They then informed me that it would take an additional 10-15 days to remove a hold. I never received proper notice in addition unemployment never said they allowed this. I was informed that the  bank was its only institution. They dont operate together. Like US reliabank stated. Ad of today I still dont have access to my funds. Its been over a month.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$990.00}
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
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. (NY)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2020-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is suffering a systemic breakdown during their mortgage software conversion. I have had to contact B of A 7 times with typical hold times of over an hour. The result of these calls leads to no action by B of A. 

B of A has made 5 incorrect entries in my account within the last month, they have corrected 4 of them. 

On XX/XX/20 I made my normal monthly payment, {$220.00}, and B of A immediately reversed it labeling it as " Misapplication Rev '' and adding it back to my outstanding balance. 

In essence I paid it and not given credit for it.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.