davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-06-24
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. (AR)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (RI)

This is not a car dealership complaint. This is a Hyundai Corporate complaint. 

My wife and I decided to buy our leased XXXX XXXX XXXX in XX/XX/XXXX, and we were approved for a car loan for the buyout amount of XXXX. Our Credit Union mailed the check and odometer/mileage disclosure statement to Corporate Hyundai Finance and waited for the title and bill of sale to be sent to them, so I could register the car and pay the sales tax at the Rhode Island DMV . When nothing ever came after a month, I called Hyundai and explained the situation, and they told me it was sent, but the credit union said nothing ever arrived. I called numerous times about the status of the title and bill of sale and was transferred to different people, even being hung up on by customer service when I pressed for more information. The credit union then got involved by calling Hyundai and received the run-around about how the title was sent, which it was not, and even they were hung up on by customer service. After another month and numerous calls, Hyundai sent a " letter of no interest '' to the credit union, and we thought the DMV would accept it. When I went to the DMV to register my car, that letter was rejected, and they told me that according to the law Hyundai has to send the title to the bank along with an updated bill of sale. If they can't find the title, they would have to request a new copy from the DMV and then send that with the bill of sale to the credit union. As of today, XX/XX/XXXX, 8 months later, the bank still hasn't received anything and my options are few, and I need some major help. I sent a letter with accompanying documents on XX/XX/XXXX, explaining the entire situation to Hyundai Finance, and wouldn't you guess, the letter seems to have never been delivered to them. I am going to send out more copies of that material to every department I can find to see if anyone can help. After doing my research, it seems this is a tactic Hyundai has used on hundreds and hundreds of people. My registration expires in XXXX, and I find it incomprehensible that Hyundai would partake in this kind of business practice.
Consumer complaint received 2024-06-21
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. (FL)

" 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 US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 2024-06-24
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.I demand immediate action to remove these unauthorized inquiries from my credit report. Their presence is not only a violation of my privacy rights but also undermines the integrity of my credit profile.
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington took over the mortgage. I have no say so in who owns my mortgage which is a horrible way it works. They did not communicate or act to pay my flood insurance which they require to be paid in escrow. In 20 years of having mortgages have never had this issue and my insurer XXXX XXXX XXXX said they were the worst to deal with. They delayed the process I feel on purpose to make me buy their insurance and Jack my price up. Double what I was paying. The only notice we received said final Notice. Then they delayed a process that my insurance company says usually takes XXXX XXXX at most into XXXX XXXX XXXX Have not gotten anywhere with the company. Second issue is I pay through my bank. Every other company that buys the mortgage has been super easy to do so. For some reason when I try to pay Carrington its a XXXX to XXXX XXXX process. I feel they are trying to harass me because I have a super low rate and they know they can get more money out of someone else. Its an I fair practice, and as this is not the company I started my mortgage with I feel I have been forced into a sub par relationship with an aggressive and belligerent company
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-24
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. ()

You have all the previous complaints. As said above I asked the bank for reimbursement of money spent contacting them by long distance phone and also compensation for the difficulties it caused me by not having access to {$21000.00} of my funds and having my account closed and having to change my regular pension direct deposits which took a couple of months. 
All of this was the bank 's incompetent handling of my situation caused by them and they did not apologise nor give a reason for denying me reimbursement and compensation. When pressed they said the bank doesn't do that. Surely they should be accountable for their error which caused me great XXXX and difficulty.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (MD)

I would like to dispute these negative accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-06-24
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. (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 XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXXXXXX has violated my rights. Or a 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 2024-06-24
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. (TX)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-24
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have promptly reported this incident. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-06-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (NJ)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute Regarding Unauthorized Inquiries and FCRA Violations Dear Equifax Dispute Resolution Department, I am writing to formally dispute the resolution provided to my previous inquiry dispute dated XX/XX/XXXX. The inquiries in question are : 1. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX In my original dispute, I stated that these inquiries were inaccurate and unauthorized as per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). However, the response I received from Equifax merely stated that the inquiries were verified without providing any substantive proof or documentation supporting this verification. 
According to the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to 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 if it is found to be inaccurate, incomplete, or unverifiable. Your failure to provide sufficient evidence that these inquiries were indeed authorized violates this statute.

Furthermore, 15 U.S.C. 1681b ( f ) clearly states that a consumer reporting agency may only furnish a consumer report under specific circumstances and with the proper authorization. By not adequately verifying these inquiries and retaining them on my credit report, Equifax is in direct violation of this provision. 
The presence of these unauthorized inquiries on my credit report is causing harm to my credit score and financial reputation. As such, Equifax is liable for damages under the FCRA, and I am entitled to seek legal remedy for this harm. 
I request that Equifax immediately remove these unauthorized inquiries from my credit report and provide written confirmation of their removal. Failure to comply with this request will leave me no choice but to consider legal action for the damages incurred due to your non-compliance with the FCRA. 
Please respond to this letter within 15 days of receipt to confirm the actions taken to rectify this matter. You may reach me at XXXX for any further information or clarification. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-06-28
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. (TX)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-21
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. (AL)

To whom this may concern, this is one of the countless times I have attempted to report unusual activity on my consumer report, however, I seem to get no response. According to the Fair Credit Reporting Act, it is a violation of my consumer rights ( ref. 15 USC 1681 ) for consumer reporting agencies to report information of my consumer report that I didn't authorize nor permit to be on my consumer report. 

The following inquiries I didn't authorize on my consumer report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I WOULD LIKE FOR THESE ITEMS TO BE REMOVED FROM MY CONSUMER REPORT.
Consumer complaint received 2024-06-24
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. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.