davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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. (MI)

Equifax has exhibited a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Equifax has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Equifax has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Equifax has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Equifax received several detailed dispute notices from Consumer apprising Equifax that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and reinvestigations, Equifax has persisted in reporting the false, misleading, inaccurate information in the files Equifax maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Equifax purports to have finished its initial investigation and reinvestigations by XXXX XX/XX/XXXX. Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Equifax maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) ). Consequently, Consumer has suffered harm.
Consumer complaint received 2024-08-01
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: LEXISNEXIS (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 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 2024-07-30
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX 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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My credit report is showing a charged off account from Capital One auto, and I know according to the law I was supposed to receive a XXXX form when this debt was charged off by the IRS. Therefore I am requesting the XXXX form. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. According to 15 U.S Code 1681b A consumer report can be furnished if the consumer provides written consent. This ensures that consumers have control over who can access their personal credit information in which this case I did not provide, this account needs to be removed immediately.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (AZ)

On XX/XX/XXXX I disputed inaccurate credit reporting to both XXXX and XXXX. Wakefield and Associates collecting on behalf of XXXX XXXX XXXX is reporting a balance of {$1000.00} however, a recently make a payment of {$530.00} directly XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>.
Consumer complaint received 2024-07-09
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. (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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXcount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

I was in Louisiana visiting my mom and my Citibank debit card was locked 2 times and now they closed my account I have not deposited no checks no nothing, I have bills to pay on the XXXX or Ill be evicted from my apartment I can not afford to wait 30-60 days for a check I have bills to be paid. No branch will help. Not even a branch I opened my account, I have spoken with several fraud department supervisors who said they could remove the hold if the bank would allow it, I really just need my funds back asap.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-01
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: CITIBANK, N.A. (CA)

CitiBank kindly responded on XX/XX/year> they will remove hard inquiries on my end after I filed a complaint with CFPB. 

On XXXX XXXX, CitiBank sent an email informing they can not delete these hard inquiries because they claim I have made this inquiry myself to apply for a CitiBank XXXX XXXX XXXX. 

They attached another email that mentioned I have applied for the card. However, the address they sent to was not the correct address. I am not sure why they decide to conclude I was not a victim of identity theft despite all evidence given. 

I tried to call them back twice and was promised to get a call back from them, but they have not returned my phone call.
Consumer complaint received 2024-07-09
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. (NY)

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year> ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for several days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion & # XXXX XXXX XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-07-09
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. (CA)

The account for XXXX XXXX that shows on my credit report for all the agencies is a company account for a company that I don't own. I have sent all companies the police report and the FTC report and it keeps coming back thats its me. I have even pointed out that this is a buniess platinum account and they tell me that XXXX is reporting it as a personal account. I have told all three agencies that I called XXXX and they told me that it was a company account. I have done everything to get this removed but due to XXXX having my info on file even though it was stolen and they do not have a vailed ID on file they will not help me. My Ca DL starts with a XXXX the credit agencies have told me point blank that they don't care about the ID on file. When XXXX confirms my XXXX, XXXX and or name thats enough for them to keep it on my report. This can not be how things are handled. If my info was stolen and used then yes its going to come back as confirmed, if my info was stolen how am I supposed to get this off my reports? The only information that I have ever gotten from XXXX was after I started the ID theft claim and they told me that they show payments posted to the account from a XXXX bank account, I don't nor have I ever banked with XXXX.
Consumer complaint received 2024-07-09
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. (NJ)

Please check the documents I've sent regarding this matter. I always my check my credit report during mornings and I noticed that there are inaccurate accounts appearing. I don't know why they're appearing but please do remove and block them.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (IL)

On XX/XX/XXXX I was diagnosed with XXXX XXXX XXXX and XX/XX/XXXX diagnosed with XXXX. Due to astronomical amount of bills ( home, personal, medical ) and reduced income I was no longer able to make my mortgage payments on a timely manner. I am seeking an approval for a short sale of my property.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I always check my credit report during mornings and I notice that unauthorized inquiries are appearing. I don't know why they're appearing but please do remove and block them. Please check the documents I've sent regarding this matter.
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (WI)

On XX/XX/2023, we purchased the Vanilla Visa gift card because it states it can be used anywhere online and it also states online that it can be used with XXXX, which is what we needed to use it for to pay a bill. However, when we went to pay the bill XXXX needed our zip code, which is a very common thing that is needed when you enter your info online to pay a bill. We entered our zip code and it didn't work. So we looked up the Vanilla zip code and that wasn't correct either. So we called Vanilla and got a person with a very thick accent who we explained the entire situation to and when we got done he said " so you are having trouble using your card in store? '' which is not at all what we had just said. And when we got done explaining all over again, in even clearer terms he said " oh you can't change your zip code '' without even looking it up to make sure he was correct. 

We had just paid {$6.00} to get this card and didn't have a lot of extra money to buy the correct card so we asked for a supervisor to make sure he was correct since he didn't seem like he knew what he was talking about. He said that the supervisor would say the same thing but put us on a hold line for over XXXX minutes and never got us to a supervisor. I'm not even sure he put us on a line for a supervisor, I think he just put us on hold and then went on to someone else. 

We had to do research online to find out that it was something they used to do but now per XXXX they don't change the zip code anymore, so you can't even use this card on XXXX. So saying on the packing and online that it can be used " anywhere online '' is absolutely false advertising as if you can't even use it on XXXX, the world 's largest online retailer, then it's not true that it can be used anywhere online. Also, I understand that there is going to be a language barrier with people in XXXX, but the person on the other line should be able to to at least understand what is going on well enough to understand our predicament. This person didn't even seem to grasp the very slightest bit of English. That is not ok if they are going to be working with mostly English speakers and need to be solving problems.
Consumer complaint received 2024-07-08
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-07-09
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. (NY)

I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these negative items.
Consumer complaint received 2019-08-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

Hello, I am writing & complaining about, " XXXX XXXX   Company '' ... 
This company did insure my vehicle in the past. Opened file auto insurance showing XX/XX/2018. I decided to not continue having my longer vehicle insured by this company " above mentioned '' any longer!!! Decided to go with another insurance company!!!! 
XXXX XXXX Company was notified of this in a time frame matter before another bill was to come at me. XXXX XXXX Company are also able to communicate with other companies to work with the customer and find documentation in system or even DMV for their own records to be updated and not assume & submit wrong information. However did not seem to be completed or done by them, due to me getting my credit score lowered and fausly accused of non-payment or a remaining balance of [ XXXX XXXX XXXX XXXX XXXX dollars ] This has been submitted, opened and now sent to COLLECTION. 
THIS HAS IMPACTED ME & MY FAMILY, FINANCES MENTALLY, EMOTIONALLY, & PHYSICALLY EVEN PUTTING A STOP OR HOLD ON MY DAILY LIVING FOR A FUTURE AND DELAYED PROGRESS IN LIFE! 
I AM URGENTLY ASKING FOR ASSISTANCE, GUIDANCE, HELP FOR THIS TO BE FIXED. I DO NOT OWE " XXXX XXXX Company '' ANYTHING & THERE IS PROOF TO BE SUBMITTED AND REVIEWED IN A CORRECT MATTER!!!!! PLEASE LOOK INTO THIS FALSE AND MISLEADING NOTICE THAT IS ON MY RECORD. 

THANK YOU,