davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

On   XXXX   XXXX  , 2017, I received a letter from Home Depot stating that my credit card issued through   XXXX   XXXX   XXXX   had been closed due to an adverse credit score. I checked my credit report and it was excellent. I called them and was told that hundreds of letters had been sent out by mistake informing customers of account closures due to poor credit. They refused to re-open my account as I requested and stated that a warning letter had been sent out prior to closure informing me that my account would be closed due to inactivity if I did n't use it.I told her that I never received such a letter. She still refused to re-open the account. On or about   XXXX   XXXX  , 2017, I spoke with a supervisor named  XXXX  who admitted that no warning letter was ever sent as previously indicated even though it was company policy, but again refused to re-open the account. My credit score has dropped more than   XXXX   points as a direct result of their negligent and incompetent handling of my account by closing it without notice or consent. This has had a devastating effect on my ability to become employed in my field. My credit score is very important to me as it is closely scrutinized on a regular basis as a first responder. I engaged a lawyer who found case after case of case law of situations that dealt with " covenant of good faith '' that illustrated a clear violation on the part of Citibank of this concept in Arizona law. I will be happy to provide a copy of that letter which was sent to Citibank on my behalf urging them to re-open my account. Yet again, they refused. Citibank needs to follow Arizona law, " implied covenant of good faith and fair dealings in every contract. The duty arises by virtue of a contractual relationship. '' They have acted in bad faith and caused me significant harm by not being faithful to the agreed upon common purpose of the contract thereby preventing me from receiving the benefits and entitlements of my account agreement.
Consumer complaint received 2024-10-02
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. (GA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2024-10-02
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX Account XXXX XXXX 2. Please remove this information from my credit report XXXX Account XXXX XXXX 3. Please remove this information from my credit report XXXX XXXX Account Number XXXX Please remove it from my credit report. 


4. Please remove this information from my credit report XXXX XXXX XXXX  Account Number XXXX 5. Please remove this information from my credit report XXXX XXXX Account Number XXXX 6. Please remove this information from my credit report XXXX XXXX  Account Number XXXX 7. Please remove this information from my credit report XXXX Account Number XXXX 8. Please remove this information from my credit report XXXX XXXX  XXXX Account Number XXXX 9. Please remove this information from my credit report XXXX Account Number XXXX 10. Please remove this information from my credit report XXXX XXXXXXXX Account XXXX XXXX 11. Please remove this information from my credit report XXXX XXXX Account Number XXXX 12. Please remove this information from my credit report XXXX XXXX Account XXXX 13. Please remove this information from my credit report XXXX  XXXX bankruptcy XXXX Reference XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
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 requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-28
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. (PA)

I made multiple attempts at disputing multiple items on my file with consumer agencies. A few of these items have been deleted from one or two of these agencies while the same account reflects on other reports. The accounts that should have been deleted but were then updated from close to open or have updated without any payment history nor validation of debt itself. I havent finished to these debt any permissions to check review any of my personal information with that being sad these companies have violated my rights and the reporting agencies arent in compliance with the rights afforded to me based on 15 U.S.C 1681. These accounts should be removed effective immediately.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Consumer was notified that in XX/XX/XXXX, a home equity line of credit was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for an amount of $ XXXX $ XXXX. 

Consumer was notified that a home equity line of credit was opened in her name around XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for an amount of $ XXXX $ XXXX. 

Consumer was notified a mortgage loan was opened in XX/XX/XXXX in her name under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX was notified a mortgage loan ( unknown company ) was opened in or around XX/XX/XXXX with monthly payments of $ XXXX {$1300.00}. 

XXXX was notified a mortgage loan ( unknown company ) was opened in her name around XX/XX/XXXX with a payment of $ XXXX {$2300.00}. 

Consumer was notified of retail credit cards in her name for XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified that a mortgage loan was opened in her name in XX/XX/XXXX belonging to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was notified an auto loan/lease was opened in her name in XX/XX/XXXX with monthly payments around $ XXXX $ XXXX. 

Numerous unknown addresses have also been reported ( photo attached ). 

NO AUTO/MORTGAGE ACCOUNTS NOR CREDIT ACCOUNTS BELONG TO CONSUMER XXXX XXXX XXXX AND ARE IDENTITY THEFT/FRAUD NEEDING IMMEDIATE INVESTIGATION. 

CONSUMER CONTINUES TO GET NOTIFICATIONS ABOUT DARK WEB DATA BREACHES AND CAN NOT LOCK HER SOCIAL SECURITY DUE TO THIS MASSIVE IDENTITY THEFT UTILIZING CONSUMER 'S NAME.
Consumer complaint received 2017-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax,  XXXX  and   XXXX   XXXX   continue to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.
Each continue to list the dismissed bankruptcy on my credit file due to their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years.
However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, each of the   XXXX   reporting agencies have no right to maintain information which the government has deemed nonexistent.
Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, [ all   XXXX   ] must delete this information from my credit report and send me an updated copy when this action is completed.
I previusly provided each of the three agencies with Court Order related to the public notice filings, to wit : Attachment # 1 : CASE NO.  XXXX  was DISMISSED on XX/XX/XXXX  and therefore should not be on my credit reports. Attachment # 2 : CASE NO.  XXXX  was DISMISSED on  XX/XX/XXXX . Attachment # 3 : CASE NO.   XXXX    FINAL ORDER discharging the Trustee and closing the case without a bankruptcy discharge and/or any other relief.
These Court ORDERS should be sufficient in supporting my contention that each of the   XXXX    Credit Bureau s, Equifax,   XXXX  and   XXXX   XXXX   should immediately remove these Public Notices from my credit reports and provide me a clean report.
Consumer complaint received 2024-10-02
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. (LA)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " XXXX  '' in the payment history/summary consecutively for the last 8 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stuart-Lippman and Associates, Inc (IL)

The debt was not discharged in bankruptcy. It was forced off by personnel from the Illinois Attorney General 's office. The agency ( former ) of XXXX XXXX XXXX XXXX XXXX, of the XXXX XXXX XXXX XXXX instituted theft of alleged account base that I had developed in Statutory employment XXXX IXXXX  XXXX which had some start up costs to develop account base ( s ) for commission earning purposes. After some deception of broker of record letter solicitation there persisted an agreement unsigned by the general agent factor and following termination in writing, the agency evidently hired a XXXX XXXX of XXXX, Arizona to persist in collection harassment of a contractually unsupported debt that persisted on the credit report of my own during which my Mother XXXX and during quite the estate challenge, from an impounded resource after three correspondences occurred from an attorney. The attorney whom had reviewed the contract of my own had corresponded three times in writing, which have, about removing the debt from said credit report in time for a family gather and in time for return to licensure employ which eschews any debt type of the agency owner for future employ and thus ruins licensure. Although the first attorney dropped matter as it coincided with important planning, it has been so hard to obtain an attorney qualified to speak about unlawful debt reporting, yet I 've observed in the law library which laws were broken and attempted partship myself, yet there was no accounting and no explanation of what the amount consisted of and why they persisted so long after the XXXXXXXX XXXX had been told three times in writing that the debt was n't contractually supported. This has caused a lot of uphold on my part, and it has imploded resources, not wanted. There are so many letters inquiring of what a full contract dispute looks like adept to the US DOJ, and something must be done my angle. It 's a long time to be on my credit report without contractual support and being a financial services company, commission related ailments should be documented over and not credit report harassment alleged.
Consumer complaint received 2024-10-02
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. (VA)

I recently reviewed a copy of my credit report and noticed that I had some fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts nor have I gave consent or approval to these accounts in which are held by a third party that i do not have a contract with
Consumer complaint received 2024-10-02
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. (LA)

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. ) My Full Legal Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX. ) My Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these inaccuracies and update the address with my above mentioned true accurate undeniably valid current correct address. 

My only phone number is ( XXXX ) XXXX - Delete any and all other phone numbers. 

I demand that my social security number and date of birth be removed from being displayed on my credit file for privacy reasons and data breaches. 

Please remove all alleged employers that are listed on my consumer 's credit report. 

Pursuant to the FCRA 15 USC 168 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy and FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy.. Not granting me my rights is a direct VIOLATION of 15 USC 1681 and all its subsections.

I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or possibly lead to fraud if it has not already. 

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. 

Attached are my latest XXXX driver 's licenses which proves that I have been living at my current address " XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX '' for over 8 years.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections the result of identity theft and fraud.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

I had a collection acct removed off my report that was not mine the company that reported it put it in the wrong person 's credit report. The acct was not in my name nor was it attached to my ss # number. I had this removed from my report back in   XXXX   XXXX   2017. The credit bureaus put a fraud frezze on my report without my consent. Then in   XXXX   XXXX   I applied for a home loan and   XXXX   was unable to pull my Equifax report due to a fraud alert. I called   XXXX   XXXX   and had them remove it. Since then  XXXX  has tried to pull my credit  XXXX  times for a mortgage and  XXXX  and  XXXX  pull forward and Equifax still will not pull forward. I have made over 42 phone calls faxed several documents as well as the bank and  XXXX  the Thrid party company has contacted Equifax. We are getting no where everyone keeps telling us there is no block. But my report continues to say blocked from Equifax. This has put a tremendous hardship on my life I 'm unable to get my home and now have no home to live in. I 'm living in my fifth wheel due to us not getting our home loan. This is unfair and has put me in the hospital once for chest pains. I need this fixed and right away I do n't know how to get it resolved so I have filed a complaint here the attorney Generals office and the better business bureau and I feel i need a attorney and sue for stress and hardship and health issues this is causing as well as my family is basically  XXXX  due to this credit bureau blocking my report without my permission Thank you