davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I opened a credit card with bank of america, and the card arrived. When I try to activate it, the agent can not send the text message to my phone number. Then he try to use personal question like my car model to verify me. It is ok that time, but he can not activate it. The next several agent all asked me to go to a branch while in my state there is no branch at all. And it is impossible for me to drive 100 mile in weekday for that. Then I call them again, this time I just asked them to close the account. They can not do that either, so weird.
Consumer complaint received 2024-10-09
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. (WI)

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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is a formal request for re-investigation because XXXX ( XXXX XXXX  XXXX ) remains in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires data furnishers to report accurate and complete information to credit reporting agencies. Despite the balance on this account being settled and reported as {$0.00}, the payment status continues to be inaccurately reflected as " Charge-off. '' This incorrect reporting misrepresents the true status of the account, which has been fully resolved. The failure of XXXX to correct this reporting is a violation of their legal obligation under the FCRA. Additionally, under FCRA Section 611, I have the right to dispute inaccurate or incomplete information on my credit report. The current charge-off status is misleading and should no longer apply to this account. It is imperative that this status be deleted, as it incorrectly portrays unresolved delinquency despite the account being paid. 
Furthermore, FCRA Section 609 entitles me to verify the accuracy of all information being reported. Upon reviewing the information, it is evident that XXXX is not in compliance with its obligation to maintain accurate and up-to-date records, and the charge-off status must be corrected. Reporting this account as a charge-off after it has been settled and closed is harmful to my credit and incorrect. I am requesting an immediate re-investigation and that the inaccurate charge-off status for XXXX ( XXXX XXXX XXXX ) be removed from my credit report. This status is both inaccurate and incomplete, and its continued presence violates the FCRA. I look forward to receiving confirmation that this charge-off status has been deleted.
Consumer complaint received 2024-10-22
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)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-02
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)

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.

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX  US DEPT EDXXXX XXXX XXXX XXXX US DEPT EDXXXX US DEPT EDXXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-09
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. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-22
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. (FL)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I had a background check done with a company I am starting a position with. LexisNexis reported that I have a misdemeanor on my record! It was merely a minor traffic violation - a speeding ticket over 14 years ago! ( which should be expunged from record anyway ). 
It happened on XX/XX/XXXX. Court case # XXXX. Court disposition date XX/XX/XXXX. This was in the state of VA, I did not go to court as I was traveling from XXXX - visiting my sister, back to XXXX, XXXX. I paid the fine through mail. 
My ex-husband is a XXXX and even states this should not be listed as a misdemeanor, there was no criminal act or accident or damage done. It is a speeding ticket! 
I called LexisNexis on XX/XX/XXXX as soon as I was shown the record. I was transferred all around by non-english speaking reps and basically told thats what it shows and a dispute would take 40-60 days. This is for employment starting in 2 weeks and it is false!
Consumer complaint received 2024-10-09
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. (OH)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Consumer complaint received 2024-10-22
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. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2023-06-21
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. (TN)

As I were trying to apply for a home, I noticed damaging information on my credit report with fraudulent accounts. I have sent numerous letters and called numerous times to have these accounts removed. I even filed TWO FTC reports, and No one has helped me. They told me to contact the creditors and each time I did, I was told to call the credit bureaus. According to 15 U.S.C 1681, there should be no damaging information. It is a defamation of character and It is affecting my ability to do anything. This is affecting my life really badly and I Need this removed Immediately!!!!
Consumer complaint received 2024-10-09
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)

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/2024 Close Date : Inaccurate XX/XX/2024 Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the name of the business is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I discovered a check when I was going through company account that had been cashed that we had never sent to the person that cashed the check. The check amount was {$16000.00} immediately I called the company that I sent the check to and asked if they had an employee with that name they responded no, my next step was to go to Huntington bank in XXXX and report the fraud to them and I brought proof that it wasn't a check that we had written, it was something that somebody had made and then put the same amount that we had written the check for to our vendor. In the meantime, I checked my statement analysis to ascertain that I still had a security suite in place with Huntington Bank which I verified. I have been charged {$70.00} a month for fraud protection t since XXXX. Huntington bank told me that they had to do a fraud investigation and there was a good chance that I would not get my money back and I said why and they said well the security suite that you have didn't cover check fraud I was livid then I said why am I paying for this and asked them well what's it for? They really did not know so I think they made something up just so they wouldn't have to pay me. I said you guys have insurance for this type of thing and I would expect that I am going to get reimbursed. So they said they had to do a fraud investigation first which now it is coming up on two months I was told the check was cashed at a XXXXXXXX XXXX and XXXX XXXX won't contact them to discuss reimbursing Huntington that is not my problem I can not I can not afford to lose {$16000.00} because the two banks don't want to pony up the money. I personally think Huntington doesn't think that they should be accountable for this. My phone number is XXXX XXXX
Consumer complaint received 2024-10-22
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (DC)

Over the past few weeks/month, I have been receiving a number of phone calls from numbers claiming to be " Harris and Harris '' debt collectors. Looking at my caller records, I received calls from XXXX on XXXX XXXX, XXXX on XXXX XXXX, XXXX on the XXXX, and this morning from XXXX, all claiming to be Harris and Harris. This is extremely suspicious to me since all these calls are from different numbers, and one of them, the most recent one, is a Michigan area code, when the rest are XXXX - I looked up the number on line and one website says that this is XXXX, collections for some Michigan energy company. The first two calls left robot voice mails that simply said " This is Harris and Harris. We are debt collectors. Call us back '' or something to that effect, and the most recent two voicemails have been human and similarly laconic in information. I am only XXXX XXXX XXXX, have no credit card, and no debt other than my student loans that are n't even due for payment until 2019. I am not sure if this is a case of mistaken identity and the agency is legitimate or if there is something more fraudulent going on. I am afraid to call these numbers back and ask if this is just a case of mistaken identity, because if it is in fact a scam, I do n't want them somehow having access to my personal information. The fact that every call has been from a different number is immensely suspicious to me. I filed online informal complaints with the FCC earlier today but considering I did n't go through my phone records at the time, I missed the detail that every number has been different, and I want relatively immediate action taken so I can stop receiving these calls, and any issue of mistaken identity can be resolved.