davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (FL)

I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency XXXX that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. There was never a late payment given on this account. 
XXXX Account Number : XXXX Please update to paid as agreed never late. 

4. Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX  XXXX  Account Number : XXXX Please delete immediately. 

5. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting a balance. 
XXXX XXXX XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

6. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately. 

7. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX  XXXX Account Number : XXXX Please delete immediately. 

8. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately.
Consumer complaint received 2024-08-19
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. (MD)

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 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 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 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 2024-07-10
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)

TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY BEHALF. PER 15 US CODE 1681S2(A)(1) (A(&C) AND `5 US CODE 1681-B OF THE FEDERAL CREDIT REPORTING ACT (FCRA) THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT
BE REFLECTING ON MY CREDIT REPORTS AS THEY VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER THE FCRA LAWS
PROVIDED, THEY SUMMARIZE THAT IT IS NON-PERMISSIBLE FOR A CONSUMER TO REPORT ANYTHING UNDER ANY CIRCUMSTANCES,
WITHOUT MY WRITTEN CONSENT OR INSTRUCTION TO DO SO. NO CONSENT CONSTITUTES AS IDENTITY THEFT. AS A FEDERALLY PROTECTED
CONSUMER, I AM DEMANDING THE REMOVAL AND DELETION OF ALL THE LISTED ACCOUNTS IMMEDIATELY.
Consumer complaint received 2024-07-10
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)

I am a victim of identity theft. Experian has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Experian has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XX/XX/year> I made a purchase for {$1000.00}. It caused my account to be overdrawn. Immediately afterwards the same day a deposit was made into my account covering the negative balance I had. The following day AFTER the grace period for that transaction had expired which the grace period expired at I believe XXXX XXXX XXXX XXXX I used my card again because I looked at the time before I used the card again and it was past the grace period time to have expired and I was still charged a {$20.00} fee!. The {$20.00} fee can be waived if you deposit money to cover the negative balance before the 24 hour grace period. I live where it is XXXX XXXX XXXX The fee should've been waived. On XX/XX/year> an auto payment was taken out of my account from a merchant in the amount of {$4.00}. I deposited funds back into my account again to cover that amount as well before the grace period had expired but yet I was also charged a {$20.00} fee for this also that should've been waived. Since the fee wasnt waived for the XXXX transaction it caused a dominoe effect for the other fee to be added. I have tried to contact them and nothing has been done. This company well the supervisors at this company that Ive dealt with are Extremely Helpful when it comes to issues like this! Its the ones on the chat that give you a hard time if there was an error or misunderstanding. I just want this to get resolved quickly and fairly. Thank you!
Consumer complaint received 2024-07-10
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-07-10
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. (MD)

Despite my three prior demands, the unverified items below still tarnish my credit report, blatantly violating Federal Law. In their so-called responses to my dispute letters, they claimed these items were verified but couldn't even produce the documents used for this so-called verification, despite my clear request.

Their failure to provide these documents proves they can't and didn't verify any of the disputed accounts as they falsely claimed. Their refusal to delete the disputed accounts after three written demands shows a blatant disregard for Federal Law.
Consumer complaint received 2019-12-02
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. (VA)

I am writing to follow up on a prior CFPB complaint with XXXX XXXX with Complaint ID XXXX-XXXX. 

In my previous complaint, I had indicated that XXXX XXXX continues to falsely report a late payment for XX/XX/XXXX on my credit report. In their response, which is attached, they have failed to address my complaints or pay heedance to the facts surrounding my account, or ; the evidence I have repeatedly submitted to them. 

XXXX XXXX starts off her letter with the statement " As it is my intent to provide our customers with quality service ''. Clearly, XXXX XXXX had demonstrated a low bar for " quality '' service as they continue to damage my credit with false and erroneous information despite repeated attempts to resolve this issue. 

I have never had a late payment with XXXX XXXX. XXXX XXXX, in her letter says " As stated in our letter dated XX/XX/XXXX, we are unable to locate a Bill Pay payment made on or around XX/XX/XXXX, for {$78.00}. We have requested that you verify with your bank that the correct XXXX credit card account number and payment address were listed on the payment in question. ". I have attached a screenshot of the payment. XXXX XXXX clearly misplaced the check my bank mailed in. XXXX XXXX can not continue to damage my credit when it is their responsibility to process payments correctly and promptly. 

XXXX further states " While we were unable to remove the 30-day delinquency reported to the Consumer Reporting Agencies ( CRAs ) for XX/XX/XXXX, we were able to reset the delinquency on your account for XX/XX/XXXX as a courtesy. ". I never had a late payment in XX/XX/XXXX. There is no courtesy or favors being extended here. Fortunately, this was removed from my credit - but not as a courtesy, but because it was a mistake XXXX XXXX made. 

I have also attached an export of the history of my payments clearly demonstrating their was no late payments in XX/XX/XXXX. 

They must immediately remove the late payment from my credit report.
Consumer complaint received 2024-09-29
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. (MA)

i recently checked my report and noticed that this account had some inaccuracies on my account. this account is hurting my ability to obtain credit it is my understanding that you will investigate this item for me to ensure accuracy here is the item Iam asking you to verify as accurate XXXX Account # : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint against XXXX University for the ongoing inaccurate reporting of late payments on my credit report. Despite my repeated attempts to resolve this matter, including contacting XXXX University and the credit bureaus several times, the issues remain unresolved. 

Here are the details of my situation : Creditor : XXXX University Account Number : [ Your Account Number ] Inaccurate Late Payments Reported : XXXX entries since XX/XX/XXXX In XX/XX/XXXX, I received a letter from XXXX University confirming that I do not owe any balance. However, they continue to report multiple late payments to the credit bureaus, which is causing significant harm to my credit score. 

I have disputed these entries with the credit bureaus ( XXXX, Equifax, and XXXX ) on several occasions, but the inaccuracies persist. The continued reporting of these late payments is not only incorrect but also potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy, and 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. 

The actions of XXXX University and the reporting agencies have violated my rights, and I request that the CFPB investigate this matter and help facilitate the correction of my credit report. I believe that I have taken all necessary steps to resolve this issue directly with both XXXX University and the credit bureaus without success. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide in rectifying this situation.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-10-23
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-27
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 am writing to formally express my concern regarding the inaccuracies in several accounts listed on my credit report, which I have previously disputed multiple times. Despite my ongoing efforts and requests for a thorough investigation, these issues remain unresolved, causing significant damage to my credit file and affecting my ability to live a normal life. 

The erroneous information continues to negatively impact my financial standing and has resulted in severe hardships. I kindly request that you conduct a prompt and detailed investigation into the reporting of each disputed account and take the necessary steps to rectify and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for regaining control over my financial well-being. I sincerely urge you to prioritize this matter and take swift corrective action. 

Thank you for your immediate attention to this issue. Your support in resolving it promptly will be greatly appreciated.
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: ENOVA INTERNATIONAL, INC. (TX)

My account with Net Credit was shown charged off on my credit reports and was managed by 3rd Party ( XXXX ) in XXXX of XXXX. In XXXX, I reached out to them to try to settle the account that showed a balance and charged off, due to purchasing a home. I requested a 1099-C, but was told the account is in collections and the debt has not been charged off. I shared with them that the account was originally charged off in XXXX. Net Credit has violated my rights under the FCRA to accurately report items to my credit report. Currently, Net Credit is showing Collection/Charge off on this account with an open balance.
Consumer complaint received 2024-10-23
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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

Company is alleging I owe $ XXXX in debt. They have contacted my uncle who is not on my lease. And discussed me. I went to court with XXXX XXXX XXXX, they are falsely saying they are XXXX XXXX I do not have a contract with said party. Also, the debt total is XXXX not XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

WAS MY PREVIOUS DISPUTE EVER UPDATED AND HONORED? 

XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX MY XXXX ID # XXXX I SEEN FALSE INFORMATION ON MY CONSUMER REPORT INACCURATE INFORMATION : name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX EMAIL XXXX All rent information is false All employers info is false All income information is false ALL INQUIRIES ARE FALSE ALL EMAIL information is false I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT ALL FALSE AND INACCURATE INFORMATION BE REMOVED AND UPDATED WITH ACCURATE INFORMATION ACCURATE INFORMATION NAME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EMAIL XXXX XXXX The Fair Credit Reporting Act ( FCRA ) protects the privacy of personal information collected by Credit Reporting Agencies ( CRAs ) . The FCRA was enacted in XXXX  to promote fairness, accuracy, and privacy for consumer credit reports, employment background checks, and consumer investigatory reports. The FCRA requires companies to remove unverified information from consumer reports if it's disputed. Companies must also notify the credit reporting company if they can't verify the information, stop reporting it, and meet specific requirements for information that can't be verified 26 U.S. Code 7213 - Unauthorized disclosure of information
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (LA)

On XX/XX/year>. I contacted robinhood support about disputing and potentially blocking a merchant that erroneously charged my account. The support agent I talked to via chat, asked me if I would like them to monitor my account for the next couple of days, and I said sure, as I didn't see the harm in it. I figured they'd be making sure the charge didn't happen again. The very next morning, my account was restricted, I contacted support again, requesting a reason why, they wouldn't tell me. I asked them what documents could I provide to prove it's my account, as I need access to the funds that is in it. They wouldn't give me an answer. All in all, any question I asked, was met with a " we can't help you '' response. A few hours passed, after multiple attempts to contact their support, to get some type of answer. I got a notification stating my account was being closed. I honestly didn't care at that point, I just wanted my money. Money that I'm obligated to pay back, as some of it was a personal loan. I regularly got direct deposits from my job placed into that account. I don't care if they close the account, as I'll never trust them with my money ever again, but I am entitled to the money I worked for, and earned. I want it back. They're actively stealing from me and refuse to give me a reason why. That is unacceptable, it's theft, any other person or entity on earth who did that would be placed in jail, how are they getting away with this? Judging by my research, I'm not the only one, apparently they regularly do this to people and get away with it. I am begging for someone to help me get my money back.