davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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: Open Dealer Exchange, LLC (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report XXXX -700 creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On or about XX/XX/year>, I received an alert from a credit reporting agency that an account was being reported as 30 days past due. 
I logged in and noticed that XXXX XXXX XXXX was reporting this information. I called to inquire and they indicated it was an error. However, they needed to wait until all the credit bureaus received the information before they would attempt to correct the erroneous submission. 
This entry alone has lowered my credit score by XXXX points. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-27
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 writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Hello and good day, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

I received a promotional email on XX/XX/XXXX for a Citi Accelerate Savings Account. The bonus amount was {$450.00} for a new account opened online, if {$50000.00} was deposited within the 20 day deposit period and held for 60 days. I opened the account on XX/XX/XXXX and funded that same day with {$200000.00} and held it the required time. I was told the bonus would be paid on XX/XX/XXXX, after the 60 days plus 20 days had expired. I did not receive my bonus as I should have. I have called Citibank on multiple occasions to resolve this and was told it would be resolved multiple times, and it has not. The latest attempt was a chat on XX/XX/XXXX where they opened a dispute case for the onus, XXXX. A week later, it is unresolved. I called again and they said them mailed me a letter ( I did not receive it ). They said I was not eligible because the bonus is for targeted customers only and I needed to have an email. I explained I was sent the email invitation on XX/XX/XXXX with invitation code # XXXX. Upon opening the account the promotion code listed was XXXX. Many agents agreed I was entitled to the bonus. Subsequent agents I spoke with don't read the notes and give false information. 

Citibank has committed fraud. I have requested they correct the bonus and credit {$450.00} to my account ending in XXXX. I also requested an ADDITIONAL {$450.00} due to spending several hours trying to resolve their mistake. I had three separate accounts that would have been eligible but understand the promotion was only valid for the account ending in XXXX. 

I called on XX/XX/XXXX and they opened a new dispute case on XXXX. They are stating I need to mail them the email letter. This is absurd.
Consumer complaint received 2024-09-09
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. (CO)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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)

This is a follow-up to my prior complaint ( CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX against Equifax for violations of the Fair Credit Reporting Act ( FCRA ). Despite my previous complaint and the CFPBs involvement, Equifax has continued to demonstrate a pattern of non-compliance and obstructive behavior, which has caused further harm to my credit file and financial well-being. 

Summary of Recent Developments : Equifaxs Contradictory Responses and Failure to Conduct a Reasonable Investigation : In my latest dispute, Equifax responded with a letter dated XX/XX/year>, stating that they were unable to locate my credit file in their database using the information I provided. This claim is completely inconsistent with their previous responses, in which they verified disputed accounts on my credit report using the same identifying information. 
Equifaxs continued claims of being unable to locate my file, while previously verifying accounts, strongly suggest either an inability to maintain accurate records or an intentional refusal to investigate my disputes properly. This behavior violates FCRA 1681i, which requires a reasonable investigation of all disputes submitted by consumers. 
Equifaxs Use of Stall Tactics and Bad Faith Delays : The recent response requesting additional identifying information is a stall tactic, as I have already provided all necessary documents, including my full SSN and proof of address, in previous disputes. Equifaxs repeated inability to process my disputes correctly despite having the required information is a direct violation of the FCRA and demonstrates their unwillingness to comply with the law. 
Equifax has now repeatedly sent conflicting responses regarding their investigation of my dispute. They previously verified the disputed items, but now claim they can not locate my file. This pattern of behavior is causing unnecessary delays and financial harm.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC (NJ)

On Fri, XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX regarding an alleged debt. On XX/XX/XXXX, I requested validation and further information. 

On XX/XX/XXXX, they provided a random string of numbers, dates, and numbers with no association with any specific persons name, address or signatures, no specific legally binding documents, contracts, etc. 

My name has been involved in data breaches by big corporations and as a result is imperative to corroborate any alleged debt. 


I requested proper and valid documentation. I have reached to them already 6 times via XXXX. See below tracking numbers. 


Number 1 On Friday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX  XXXX Number 2 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXXXXXX XXXX  XXXX Number 3 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX XXXXXXXX Number 4 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX XXXX Number 5 OnThursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX Number 6 On Wednesday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXXXXXX I can provide copies of all communications And all inquiries have been ignored by D & A Services. 


An individual is given 35 days to properly respond, otherwise the alleged debt become validated by default. 

But this company has ignored repeated requests for validation and the submission of proper documentation for more than 100 days. No validation or proper answers to any of my inquiries have been received. 


I specifically requested to XXXX XXXX XXXX XXXX that, as a result of lack of validation, all alleged negative reports to any and all credit reporting agencies, credits risk agencies, financial institutions and subsidiaries, are officially requested to be retracted, and expunged based on the lack of proper legal validation. 

But despite failing to provide any valid documentation, XXXX XXXX XXXX XXXXXXXX XXXX has improperly reported this alleged debt to the Credit reporting Agencies. if D & A Services can not properly and legally validate an alleged deb, how come they dare to report it? 

I really appreciate the help and guidance to solve this matter. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX D & A Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX Toll Free XXXX XXXX account number XXXX.
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
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 (AZ)

I have a XXXX XXXX XXXX that I wish to sell. Over a span of months have called and talked to their financial company XXXX different times. Sent an email to their head of customer service. No reply. Every time hear that's too old to be on our system will get it some other way and send it to you. Last person I talked too ( XXXX ) said she would find it and send it to me. Nothing. 
I filled a request with Hyundai motor XXXX headquarters in XXXX XXXX, CA. They said nothing they could because it was a separate division. Not even send my request over. No followup calls from anyone at Hyundai finance. Completely stonewalled and in the mean time I can't sell the car to generate money I need
Consumer complaint received 2023-07-09
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. (CA)

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 Number : XXXX has violated my rights. Or 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

15 USC 1662b Timing of 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.

- As a consumer, I am requesting original documented proofs from your company, to reflect thus consumer was late or did not make the payments? Did each creditor have reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date?

Accounts with Adverse Information XXXX XXXX XXXX XXXX$740.00} XX/XX/XXXXXXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$510.00} I XXXX XXXX, the consumer , and living being, demand that all accounts and credits be positively adjusted with no harm and the consumer credit allowed to be extended should these documents not be able to be produced.
Consumer complaint received 2024-09-09
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

The following information on my credit report are in correct and I want them deleted immediately. The following addresses on my credit report are incorrect and should be deleted immediately : These addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (MA)

This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1 ) A personal credit card account opened at XXXX XXXX on XXXX under Account # XXXX : 2 ) A personal credit card account opened at XXXX XX/XX/XXXXon XX/XX/year> under Account # XXXX ; These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report maintained by your agency, showing the aforementioned fraudulent items. 

I do not recognize the accounts, collections, or hard inquiries as reported. None of the accounts, collections, or hard inquiries appearing on my consumer credit report were opened, made, or initiated by me. All of these are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint ( private case number ) as proof from the U.S. Federal Trade Commission that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I need all false information removed from my report. I have repeatedly advised and submitted the affidavit stating that addresses, work info and information that is incorrect or not me. It has not been removed. The agency, XXXX has removed some of the fraudulent items but not all. This continues to be a great burden on my name and reputation as a consumer. Stating that items came back verified simply means that it was verified that the thief actually made these transactions. Not one person or entity contacted me, my friends or family concerning this. So who actually verified this fraud?