davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-03-12
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. (MD)

Dear TransUnion, I am writing to formally dispute the presence of XXXX XXXX XXXX on my credit report. This account was opened without my knowledge or consent and is the result of identity theft. Enclosed, please find the necessary identity documentation to substantiate my claim. 
Despite the closure of this account, I have noticed that it still reports a balance each month. This is not only inaccurate but also illegal as it violates the Fair Credit Reporting Act. As you are aware, it is the responsibility of credit reporting agencies to ensure the accuracy of credit reports, and reporting false information is a violation of federal law. 
I respectfully request that you remove this account from my credit report immediately and take necessary steps to prevent such errors from occurring in the future. Please provide me with written confirmation of the account 's removal once it has been completed. 
Enclosed, please find a copy of my credit report highlighting the disputed account and the necessary documentation to verify my identity. 
Please direct all correspondence regarding this matter to the following address : XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Thank you for your prompt attention to this matter and your assistance in resolving this issue. 
Sincerely, XXXX XXXX Attachment discription Shows account was closed on XX/XX/XXXX Last reported : XX/XX/XXXX Transunion shows it last reported : XXXX XXXX XXXX  ( which is not accurate as it states it was reported on XXXX XXXX 
The FCRA, or Fair Credit Reporting Act, requires that credit reporting agencies, such as XXXX, XXXX, and TransUnion, ensure the accuracy of the information in a consumer 's credit report. 

Specifically, the FCRA requires that credit reporting agencies : Provide accurate information : Credit reporting agencies must use reasonable procedures to ensure that the information they collect and report is accurate. Transunion VIOLATED my rights!
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or deleted immediately for they are harming my credit : 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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (AL)

On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a Jeep, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (PA)

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 XXXX XXXX : # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  : # XXXX, Account name 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 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC (MD)

on the XXXX of XXXX, 2024, We requested XXXX XXXX  to pursue an auto loan with XXXX, XXXX XXXX, or XXXX. However, they instead applied to Global Lending Services. Upon discovering this, we promptly notified both Global Lending and XXXX XXXX  within XXXX hours to discontinue the loan process and instructed XXXX XXXX not to make any further applications on our behalf. The loan application was subsequently declined and closed, with Global Lending confirming the decline and closure of the loan application and offering their apologies in writing. 

In XXXX, we were taken aback to receive an invoice from Global Lending for a new loan, with a new loan account purportedly established on XX/XX/year>, while I was abroad. Global Lending claimed to have spoken with someone from XXXX XXXX  who identified as my husband, which is inaccurate. We believe that our personal information has been compromised and that XXXX XXXX conspired with Global Lending to fraudulently create this loan in our name, as we have never discussed any loan details with Global Lending at any time.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/scrub>XXXX XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith XXXX percent payments made on time for everything and show that my debt to income ratio is accurate.
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. (MD)

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 2024-11-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (VA)

I am writing regarding a recent credit report that indicates a collection reported in XX/XX/year> for a XXXX XXXX account. 
My family operates a small chain of XXXX restaurants, and I manage the technology aspects of our business. In XX/XX/year>, one of our locations experienced an internet outage for several days, which affected our ability to process card payments through our POS systems. To address this issue, I decided to use a XXXX XXXX hot spot device to restore our internet service. The nearest cellular store was XXXX, and I visited there just before closing time. Although initially hesitant due to the late hour, the manager eventually agreed to assist me after I explained the situation. 
I OPENED AND PAID FOR A ONE-TIME PREPAID ACCOUNT FOR A XXXX XXXX XXXX. This allowed us to resume accepting card payments after the outage. However, in XX/XX/year>, I discovered a collection listed on my credit report from XXXX, which negatively impacted my credit score. I believe this charge of {$220.00} is related to the prepaid account I opened in XXXX. I have documentation showing payment to XXXX on that day for {$370.00}. Greater than the amount XXXX claims I own. 
I am planning to apply for a mortgage within the next two years, and I am concerned that the collection on my record may affect my eligibility. It is imperative that I obtain the mortgage as I have a land contract for the house, I currently live in. Failure to secure the mortgage within the specified time frame may result in legal action against me for the full amount of the house and potentially me and my family losing our home. 
I believe this issue does not accurately reflect my creditworthiness or my commitment to fulfilling my financial obligations. Attempts to resolve this matter directly with XXXX have been unsuccessful, as they have transferred my case to a debt collection agency. I believe I am not liable for the debt claimed by XXXX, as it was a one-time prepaid account. 
Thank you for your attention to this matter. I hope XXXX can correct this situation and remove the collection from all three of the major credit bureaus ( XXXX, XXXX, XXXX ) and any other consumer reporting agency they may have In-accurately reported too.
Consumer complaint received 2024-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Debois, Inc. (OH)

On XX/XX/XXXX, my XXXX XXXX XXXX broke down while driving in XXXX, Ohio. After towing my vehicle to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was concluded that the XXXX XXXX XXXX that was purchased through ABC Motor Credit, financed through DBS Financial and covered by XXXX XXXX, needed a thermostat, oil pressure switch, and intake gasket. Thus, XXXX XXXX, ABC Motor Credit nor DBS Financial provided any warranty coverage for my vehicle ; instead, DBS Financial offered me a service loan. With my back against the wall ( not having transportation to work and pick up my XXXX XXXX XXXX XXXX  ), I agreed to receiving a service loan. On XX/XX/XXXX, I got my car out of the shop ( XXXX XXXX XXXX XXXX ), only for an hour later, my vehicle ran hot again, causing the car to break down ; consequently having it towed back to XXXX XXXX XXXX XXXX On XX/XX/XXXX, I got my car out the shop ; the temperature gauge would still fluctuate ; however, on XX/XX/XXXX, while driving on the highway, the wrench light came on and the vehicle consequently, broke down again on the highway. The following Monday, XX/XX/XXXX, I had the vehicle towed to XXXX XXXX XXXX XXXX ; after a diagnostic procedure, 49 different codes emerged. The fuel pump relay had melted, subsequently, there was a internal shortage in the battery. Again, DBS, ABC, and XXXX XXXX did not provide me with any assistance for repairing my vehicle ; only a service loan. With this in mind, I was unable to get to work and pick up my daughter from school for a total of XXXX XXXX weeks. After XXXX XXXX fixed my fuel pump relay, they indicated that my car still needed power steering coupled with several codes still emerging from a diagnostic test. In stark contrast, I could not afford to get the vehicle fixed on my own ; thus, DBS offered me a service loan. The vehicle still runs hot, and DBS, ABC Motor Credit and XXXX XXXX refuse to compensate me for the multiple XXXX  to work, and the financial and personal hardships that I endured with not having an adequate, reliable vehicle. Moreover, I receive threatening phone calls from DBS Financial XXXX that has caused me to be stressed. All in all, XXXX, at XXXX XXXX, conveyed to me, as a result of the diagnostic tests ran on the vehicle, that the engine was seriously damaged and the motor was going to blow soon, and that I am better off getting a new car. Equally important, XXXX stated that the vehicle is unsafe to drive and it is not because of something that I did ; the car was already in this adverse state and more than likely, they ( ABC, DBS and XXXX XXXX XXXX knew about this. Therefore, I should be compensated in some way.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, 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. (OK)

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NC)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information Name 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was sent a XXXX credit card I never applied for. I had a store card but never applied for their new capital card. It was just sent to my home! I do not want another credit card -- it is not the same as a store card and is much more vulnerable to fraud.
Consumer complaint received 2024-09-20
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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OK)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : credit inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. CAP ONE {$160.00}, XXXX {$0.00}, XXXX XXXX {$10000.00}, and XXXX {$0.00}
Consumer complaint received 2023-03-12
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2013 Experian on 10/01/2013and XXXX XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act convergent Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had and account that the company closed. When I reached out to figure out why and resolve the issue they told me it was due to two payments being sent back due to insufficient funds. I provided proof of where the payment came out of my account with no insufficient funds fees. I was told this information was verified but the account was still unable to be reopened because once it was closed it was closed.