davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The accounts I am disputing are problematic and need to be reinvestigated. It is your legal duty to address any disputes submitted by consumers. The furnisher has not provided proof of the accounts accuracy. Since the collector did not conduct the required investigation, this account should no longer appear on my credit report.
Consumer complaint received 2024-09-12
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. (TN)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.
Consumer complaint received 2024-09-24
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XX/XX/year> XXXX priority XXXX ran a credit check and had an outdated score. The dealership ran my credit XXXX times I can not get my loans or credit because of this deliberate act to attack a consumer. The dealership has refused to do anything about this neither XXXX Equifax XXXX... I do demand immediate removal of all hard inquiry or I will seek federal court for XXXX violation such as. Title XXXX title XXXX title XXXX. This has caused immediate harm to me and damages shall be recoup in XXXX to XXXX business days or I will seek out each CEO and and file a commercial lien against all assets. As well as federal charges
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (CT)

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 2024-09-11
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)

collection XXXX XXXX XXXX XX/XX/year> {$1800.00} I declare under penalty of perjury ( under the law of the united state, if executed outside of the united state ) that the foregoing is true and correct to the best of my knowledge. further, i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company -without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. all is being investigated by the FTC. 
I demand you to remove this account from all 3 of my credit report asap or i will file litigation against your company for furnishing a false account on my credit report
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (SC)

" 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  account [ 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 2024-09-25
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. (KY)

AFTER SUBMIT A COMPLAINT WITH COLLECTION AGENCY, BELOW WILL BE THEIR ANSWER XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a debt collection agency. The complainant has previously filed a complaint under Reference XXXX. The complainant alleges that the product or service is a payday loan in this current complaint. After a thorough review of our records, we can confirm that the complainant has no accounts with our office related to a payday loan. Should the complainant require further assistance or clarification, they are welcome to contact our XXXX XXXX XXXX, XXXX XXXX, at XXXX
Consumer complaint received 2024-08-29
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. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : XXXX  XXXX Account # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX XXXX ACCOUNT # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT : ( Original Creditor : XXXX  ) ACCOUNT # XXXX ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX ACCOUNT : XXXX, ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX ACCOUNT # XXXX
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, I had a certificate of deposit ( CD ) with Bank of America that expired on XXXX XX/XX/year>. I called in a week earlier, leaving the instruction to the bank to transfer the balance ( {$30000.00} ) to my current account upon maturity. The staff confirmed with me that the standing instruction was put forward and it will be carried out as I have instructed. 

However, I still have not received the balance after waiting for more than a week after the maturity date. So, I called Bank of America and enquired about the status. They told me that the instruction was still pending, and sent in another request on XXXX XXXX. Nevertheless, I have been making several calls every few days to check the status of the transfer, but the transaction was still pending and not processed. 

As of today ( XXXX XXXX ), more than XXXX weeks have passed since the maturity date of my CD, and I still haven't received the balance in my bank account, and the staff in Bank of America could not give me a satisfactory answer why it hasn't been processed. They told me to wait for a few days and called back. I have repeated waited and called back ( I made XXXX phone calls ) in total. 

I am currently stranded. Not only I am waiting for the money to pay for important bills and daily expenses, I am also losing money on the interest. I hope CFPB can look into this matter and protect the consumers right.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (DC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2024-09-24
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-31
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-13
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: JPMORGAN CHASE & CO. (PA)

JPMCB card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

JPMCB has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by JPMCB with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Cycle Finance, Inc. (FL)

My reason to complain about the same company I filed a complaint on. Its because theyre very disrespectful and its always some kinda threat. This time some guy called XXXX emailed me. Saying that I was lying about mi situation but they would still approve my deferment request. Everything was sarcastic and felt very disrespectful. I dont wan na work with them anymore I feel like theyre gon na make XXXX living for me the next periods.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

A few months ago, I tried to login to my XXXX XXXX app and I got a message saying XXXX and Equifax could not provide a credit file of myself. I do have a credit files, so I dont understand the mistake on the credit bureaus end. I had XXXX accounts in total on my XXXX credit report XXXX accounts on my Equifax credit report. I have attached proof of my claim. I contacted XXXX and Equifax and they both stated they didnt have a credit file. XXXX supposedly did an investigation for a week and added so much debt on my credit report that doesnt belong to me which not mine just to make a credit file ( which is illegal ). I contacted Equifax and they still havent given me information on why my credit score or account is refreshing. I called customer service at Equifax and they told me to provide my ID so I will be attaching that as well. XXXX XXXX and XXXX XXXX could not retrieve my credit information from XXXX and Equifax. 

I have been going through this tough time for months now with no response.
Consumer complaint received 2024-09-25
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-29
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. (CA)

I recently discovered that my identity was stolen and used to create fraudulent accounts. Fraudulent inquiries have also been made. I need your help to remove these items from my profile as soon as possible. 

The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX- This account is appearing on my Experian and XXXX reports. Although it seems to be the same account due to the open date, the account numbers differ. It is listed as XXXX in XXXX, XXXX in XXXX, and XXXX in Experian. The fraudulent account was supposedly opened on XX/XX/XXXX. Not only is this fraudulent, but the information on it is also inaccurate across the bureaus. Please remove this from my credit reports. 

XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX  - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. The XXXX XXXX account only appears in Experian. Please help me delete these fraudulent accounts. 

Also, please help me delete the following fraud inquiries : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I also need your assistance in correcting my address and name. My name should be XXXX XXXX and my address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX nothing else. 


I have attached here my FTC reports, proof of identity and proof of address. As a XXXX  in this country, this experience is very traumatic to me. I don't know much people who could possibly help me with this situation. The harrassment and stress that I have to go through because of this is unbearable. Please help me. Thank you.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!