davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX, XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX in XXXX, XXXX under the account number XXXX, an personal account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-14
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. (NY)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-09-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (GA)

Hello I have a payment from XXXX XXXX rental assistance around XXXX those funds were however stolen and I have submitted a dispute for this. I have been trying to get this account closed and a check mailed out to me but this copy refuses to accept my identity documents after I have sent them over and over. They request I reach out to XXXX XXXX but however I have reached out to XXXX XXXX and they are reporting back to money network. I need my remaining balance thats in the account which is the original amount deposited.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to formally request an update to my personal information as it is reflected in your records. Please ensure that the following information is accurate and is the only information associated with my accounts : 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 2024-09-14
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)

My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XXXXXXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still reporting.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have contacted equifax several time via telephone and 2 certified letters sent on XX/XX/XXXX and XX/XX/XXXX. With no response. 

I contacted XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and sent certified letters XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

My loan are paid in full but Mohela my loan services telling me that my refund request has been sent to the Department of Treasury but they are saying they don't have any information about my refund request. And I asking for a trace number from Mohela but they can't give me anything. And the Treasury department said that Mohela has to have a trace number to send anything to the Treasury that how they will identity my refund payment
Consumer complaint received 2024-09-14
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. (NY)

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 XXXX Account Number : XXXX  Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX 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 XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was told by the company that they will produce and remove the information but unfortunately, I received a hard inquiry on the day I called in to remove the hard inquiries. I had no idea about this so inconsiderate, unfortunate, and against the law.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

Consider this letter a NOTICE AND DEMAND TO CEASE AND DESIST. 
You have been dutifully and lawfully warned. 
I noticed a COLLECTIONS entry from XXXX XXXX XXXX trespassing on my XXXX, XXXX, and XXXX credit reports dated XX/XX/XXXX. 
You are erroneously reporting a contractual debt and that a civil dispute exists between us.

There is none to my knowledge. Produce the contract that exists between us, otherwise DELETE the COLLECTIONS trespassing-entry from my property. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 
If you are attempting to enter this alleged civil dispute without contract, with my expressed and written permission to include my wet ink signature, you are committing trespass ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I am not a corporation or any ens legis entit.

If you are the Fiduciary in this commercial Matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat against my private Property or my Person, including you and / or your agents reporting erroneous and harmful information to various credit reporting entities. 
Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signatory on the original Contract, you are a third party. You are a liability and no assistance in this commercial Matter. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an unqualified Third Party Interloper / Trespasser. 
In your next correspondence, please forward the instrument that establishes the debt obligation between XXXX XXXX XXXX and XXXX : XXXX plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ).

OTHERWISE you will be accepting my explicit offer to pay {$150000.00} per entry, for my permission to maintain the COLLECTIONS word on each bureau to include XXXX, XXXX, and XXXX. 

Hence, I, XXXX : XXXX, hereby declare that your non-removal of three COLLECTION entries constitutes your acceptance to my offer, a binding contract. I categorically emphasize that XXXX XXXX XXXX MUST pay a total of {$450000.00} for my explicit permission to maintain the COLLECTIONS entries on my name, my reports, my property. 
Be forewarned and hereby notified that this offer and your acceptance is contractually binding. My permission for XXXX XXXX XXXX to maintain three COLLECTION entries on the three credit reporting bureaus trespassing in MY property, XXXX : XXXX, is {$450000.00}. TAKE NOTICE : This is a Notice and Demand. 
***Notice to agent is notice to principal***
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, I am writing to dispute inaccurate information appearing on my credit report regarding the following accounts : XXXX Bank Account : XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX While reviewing my credit report, I noticed discrepancies in these accounts that are not accurate or complete. I am requesting a thorough investigation of each of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ) which outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information in their credit report. Essentially, the law requires these agencies to conduct a reasonable investigation to determine whether the disputed information is accurate. If the information is found to be inaccurate, the agency must delete it from the consumer 's file and provide the consumer with a corrected report. 

I would like to request that any inaccuracies found in these accounts be deleted from my credit report upon completion of the investigation. 

Please provide me with a written confirmation of the receipt of this dispute and an update on the status of the investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have several account that is reporting negative on my credit report I have already sent and spoke with the credit agent to verify theses account its has been XXXX  days nothing has been resolve.Please advise me on what to do .These account is damaging my credit profile.
Consumer complaint received 2024-10-03
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. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
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. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-03
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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 TransUnion 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

I have an auto loan with USAA. The funds are electronically transferred from my account with XXXX to USAA. This was done for the last required payment on XX/XX/2017. I received a letter in the mail from USAA on XX/XX/2017. I immediately checked with XXXX and reviewed my statements which showed the car payment had come out of my account and been transferred to USAA. I called USAA and they checked and it had not been posted to any of my other accounts. They requested XXXX fax them a copy of my statement showing the deduction from my account and the transfer form. XXXX did that the same evening, XX/XX/XXXX. I was told initially it would take XXXX business days to rectify the situation. It is now XXXX, XXXX days later and no resolution. I just got my email statement showing no resolution and that a late charge has been applied. I have had XXXX auto loans with USAA and never missed a payment. I also have a credit card and have never missed a payment. This is an in-house problem for USAA. My car payment should have been immediately credited to my account based on documentation XXXX provided, while USAA straightened out its own internal mess. I will not get an auto loan with them again based on this experience.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 2024-09-04
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. (CA)

In accoraance WiItn tne Fair Crealr Reporting acr. The List or accounts berow nas viorarea my reaerally prorectea consumer rignts o privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
debt Please do olak at hy didi te shoot rest atyhing ereceporti you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute IFYOURASS THS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-03
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$9700.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.