davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-25
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation (OR)

I get calls from them every day, even after a payment plan is set. So I decided to save the three months up before paying. I got an email in XXXX XXXXXX/XX/XXXX to get current. I called on the XXXX with was the XXXX. They told me my account was charged off on XX/XX/XXXX. I asked how when I got an email days after that apparent date to become current. They proceeded to tell me that is all the information they have. I asked if I could send payments, until caught up, they said it did not matter. I asked again where to send the payments they did not provide that info. This is also after removing my access to pay online and access payment history for the loan. They did not send any written notice to let me know the account was charged off the entirety of this situation. I also asked if I could get info so I can make arrangements to surrender the car. I was told the specialist would call me for that. I never received a call. They instead towed my car, I finally got the info on where the car was. So I called to see what I could pay or settle for to the tha car. The balance had then rose XXXX XXXX, I asked how. They rep said they didnt know but the amount was only good until end of business day. I asked what it would be tomorrow, they said they didnt not know. I asked was there a percentage rate the amount was being charged against. The rep said they did not have that info. Ive continuously have asked for info or access to remedy this situation. The company has done nothing but withhold information and deny payment or remedy, so they could over charge me. I believe they are trying to over charge me so I can owe them more than the car is worth.
Consumer complaint received 2024-09-23
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. (NY)

To whom it may concern, I want to dispute an inaccurate, untrue, incomplete, untimely, non-compliant, and possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or elsewise compliant to every single one even each any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2023 This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

" 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My identity has been stolen and fraudulent items are on my credit report. I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX XXXX  XXXX XXXX presumed that no proof of the alleged debt therefore any such debt in fact exists. ( please remove these accounts before i seek litigation for defamation of character ).
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from XXXX to XXXX. I noticed that my Experian XXXX XXXX dipped recently, and upon investigating I found that both XXXX and XXXX were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my Experian credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with Experian asking that the XXXX accounts be removed, as my loans were being double reported. On XX/XX/2023, Experian closed the dispute without removing the superfluous XXXX accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.
Consumer complaint received 2024-10-28
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. (PA)

After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days. 
These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-23
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 am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EQUIFAX credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. 

I am requesting that the CFPB ensure EQUIFAX complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (TX)

XXXX XXXX provided me a loan for 7 years. I have had two extensions during that time for trauma related reasons, that were coaxed into fruition, by the billing department. Claiming they would be helpful to me. Claiming it would change nothing on my loan, simply move the payments to the end- as if they never happened. I purchased the motorcycle in the 3rd quarter of XXXX. My interest vs principal is never consistent. Sometimes, there is no explanation for payment application. Sometimes all of the payment goes to interest. Sometimes, {$95.00} goes to principal- but never is it consistent. It is mid XXXX, and at this time, I owe 29 payments, at best, on this loan- Im sure its probably many more. I can not get a clear answer, why this is happening, or any help to stop it. I am seeking legal representation to sue for the balance of the loan. This has been an absolute wretched experience. They are extremely crooked.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-28
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. (CA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

Starting in XXXX of this year I called both the vendor and the issuer of the credit card to attempt to resolve this matter. Each of the persons I spoke to over the phone appeared interested and willing to help resolve the issue. Never heard back from either the vendor or the issuer of the card. On XX/XX/XXXX I sent by certified mail a letter and packet of information describing to the issuer of the card the items that I returned, showing from the vendor 's website under my account the items clearly marked " Returned ''., and one item that they never shipped to me but that they took the money for. They also charged me {$1000.00} for an item I ordered on XX/XX/XXXX but never received. The actual cost of that item was {$140.00}. I received a phone call from the issuer stating they had received my certified mailing about 4 days after I sent it. On XX/XX/XXXX they sent me a digital letter stating that they had received no proof to show that I am not responsible for the returned items, even though the information I sent them clearly shows that. The copied all of the credit bureaus on their letter.
Consumer complaint received 2024-08-01
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. (NM)

i have recently checked my current credit report and there are many accounts on my report that do not belong to me, after investagating i have realized that someone has stole my identity to obtain services and goods using my personal information., i have filed a ftc report and reported the incident with my local police dept, i am willing to work with law enforment to captuere the people responsible for stealing my identity.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX