davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (OH)

I reviewed my credit score through credit karma and my score seemed to be oddly low when I paid off my car note in full just recently and then I realized a car loan that I didnt establish like who even give you guys permission to report such things you should know its fraud all the inquiries on my file as well as the acceptance car loan is fraudulent as well My information may have been impacted by the Equifax Data Breach and XXXX XXXX breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 15 USC 1666 ( a ) A creditor may not treata payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.
Consumer complaint received 2023-06-29
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. (AL)

In Accordance with the Fair Credit Reporting Act : The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681. 

XXXX XXXX -- XXXX, XXXX XXXX XXXX -- XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX -- XXXX, XXXX XXXX -- XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 A Reporting information with actual knowledge of errors. 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
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. (CT)

Company : Experian My credit keeps getting frozen by Experian and I am unable to reach a person to inquire as to what is going on. I am unable to access my credit report because I can not sign in to my account. 

I am unable to access my account because all resets are sent to an e-mail I no longer have access to ( XXXX ). 

I try calling and only get the automated system which eventual kicks me off. When I call other numbers a human transfers me and I eventually get disconnected. I have maintained my composure, but this is very frustrating and unfair to the consumer. 

It is a continual loop trying to get help with zero success.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - REMOVAL OF CHARGE OFF Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 
After reviewing my credit reports I noticed that you are alleging that the above-mentioned account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive reached out to Transunion, XXXX and XXXX stating I opened a XXXX XXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
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. (TX)

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 ( XXXX XXXX XXXX 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 2024-07-17
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: Experian Information Solutions Inc. (MD)

This letter serves as a formal and urgent follow-up to my previous correspondence regarding the inaccurate negative accounts on my credit report. It is unacceptable that despite multiple attempts to resolve these issues, these erroneous entries continue to tarnish my credit profile.
Consumer complaint received 2023-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Received a notice of a decrease in credit score from Transunion, from XXXX to XXXX. On checking the site, the score did not show a decrease. Called the number listed in the email notice. Spoke with support staff who explained that the discrepancy was the result of a technical glitch; said that I would receive a letter by mail confirming this ; that it was not possible to send me confirmation of the content of the phone call. 

I have not received the promised letter. There is no phone number on the site to speak with anyone ; the online options under dispute do not pertain to the problem ; and the chatbot seems not to recognize the issue or to be able to connect me with a human being. 

I've received emails saying that the dispute has been resolved. It has not. Two requested corrections were made, but the main problem ( the credit score number ) was not resolved.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is an addendum to CFPB Complaint XXXX, filed on XX/XX/2023. Bank of America, hereinafter BoA, used the same flawed automated fraud filter, which incorrectlty froze unemployment benefits, ( XXXX XXXX. XXXX ), to determine that no fraud had occurred in my dispute. BoA engaged in unfair acts or practices by not conducting a fair investigation and denying my due process rights to present favorable evidence, allow me to examine and challenge the evidence the merchant submitted to BoA, in violation of the Electronic Fund Transfer Act and Regulation E. I urge the CFPB to investigate and confirm BoA 's use of the flawed automated fraud dispute filter in deciding my dispute.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC. (NC)

I have an Ally Credit Card and have been using it no problem for the last 6 months. Last Month they initiated a process to integrate their website so that Credit Card users and Bank users will go through Ally.com to access their account. As part of this process I lost access to see my account on card.ally.com and had to re-register on the banking website ally.com. I went to the page and entered my information, it then prompted me to send me a registraction code to my phone number or email. The number and email it showed though were both a very old email and phone number that I no longer use so couldn't recieve the code. I called the bank on the number provided and spoke to customer service at the credit card company. They told me they saw what the issue was and had opened a ticket and that it would be fixed in 5-7 days and someone would reach out to me. I went away on vacation and over the time, neve was responded to or provided any fix. After I got back, I called the number gain and I spoke with a manager. She told me that they had sent the information to the bank side which managed the system and thought they had changed it, but obviously it hadn't. She mailed me a letter as they don't email or call with issues, this seems like a silly policy, that said they created the ticket. She said that it should be fixed in 5-7 days, that was a week ago. I also called the Bank number and was told that they can't help me as I don't have a bank account, I said I ahve a credit card and that the Credit Card company said that the bank had to apply the fix. I filed a complaint and gave a very low review on the customer support line. I then called the Credit Card company two days ago. They said that they are working on it, but it still hasn't been resolved but someone would contact me within 48 hours. Nobody has reached out to me yet. I still can't access my account on the website, I was able to pay my bill online, but I need to be able to access my information to manage my account. I attached screenshots of what happened, I don't have the letter yet, but can provide that when I do.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2023-05-17
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX XXXX., ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-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.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NM)

I'm trying to find out what I need to do I have been kicked out of my apartment and I'm living one the streets because I can't seem to figure out what I need to do to gain access to this account I've been fighting with my accounts and having trouble for months already and can't seem to get help anywhere I have lost all of my stuff because I don't have any family willing to help me I just want to know what is going on so I can see what my opinions are my son is having to stay with he's friend because I don't have anywhere to go I've been on the streets walking around with no car trying and hoping and praying I can't get help anywhere but I keep getting no where and nothing seems to be going through for me I don't live in the best part of town and I'm afraid I may not be able to make back to my son the longer I have to be out here two times already I've by the grace of XXXX have gotten away from some bad people trying to take me and I afraid next time I just may not be so lucky please help me
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (TX)

XX/XX/23 visited XXXX auto sales to see a XXXX XXXXXXXX listed for {$28000.00}, started the application to finance the truck, sign documents and was asked to get insurance and the truck could be picked up Monday XX/XX/23. The truck had a check engine light and was told by XXXX from XXXX it's a small thing, the part has been ordered you'll have to bring back the truck and we will fix it. 
XX/XX/23 purchased insurance and sent it over to the dealer. 
XX/XX/23 arrived at dealer to pick up the truck, was asked to sign some more paperwork to be able to leave with the truck, upon getting in the truck and turning on, the check engine light was still on, I asked to reassure that it will be fixed and was told to bring it back on Thursday XX/XX/23. 
XX/XX/23 returned truck to begin repairs. 
XX/XX/23 picked up truck after being repaired, asked to speak to XXXX XXXX about some of the finance, the contract that we received shows the amount financed XXXX we were told that we should get a call from XXXX when she became available but did not hear from her the rest of the day. 
XX/XX/23 check engine light came back on, contacted the dealer again to inform that the check engine light came back on, XXXX told me to bring the truck back on XX/XX/23 to reassess the situation. 
XX/XX/23 brought the truck back over to get it checked, ask to speak to XXXX XXXX once again since we have not received a call from her, we were told the she was busy and would receive a call from her later, did not receive any call from anyone at the dealer. 
XX/XX/23 arrived at XXXX auto sales to ask to unwind the deal since we were having problems with the truck, was told by XXXX that she would not do this and if she was to take the truck back it would be a reposition and it would hit my credit, every business day there after have ask to unwind or flat cancel the deal, contacted the bank to ask to unwind the deal and been told that XXXX auto sales will not unwind the deal. 
XX/XX/23 still do not have the truck, have asked nicely every time to flat cancel the deal and have been told no every time.
Consumer complaint received 2023-05-17
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. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX