davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-19
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. (TX)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : 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 Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX : Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I recently checked my credit report and noticed some inaccurate accounts reporting. 

There is inaccurate information on all creditors for last reported, active, open, and payment date doesn't align with each creditor. Late payments are also different as well when creditor reported it to the credit bureaus. 

There are so many inaccurate information that has been falsified and reported.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (OH)

My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have  gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later
Consumer complaint received 2023-03-24
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. (PA)

Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number 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 agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-19
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. (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 XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

The debt collection company XXXX XXXX sent a debt collection letter to an old address of mine. It was returned to sender as undeliverable, however I was able to see a scan of the front of the envelope via XXXX informed delivery service. I googled them and sent them a debt validation letter via certified mail and a means to contact me since I was homeless at the time. XXXX XXXX completely ignored my debt validation letter and filed a lawsuit without validating the debt or addressing my dispute. I am answering the lawsuit in XXXX XXXX civil court. I just wanted others to be aware that XXXX XXXX is blatantly violating the Fair Debt Collection Practices Act and that is a very solid defense.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 accounts opened at XXXX  XXXX XXXX  on XXXX XXXX with a balance of XXXX account number XXXX, XXXX XXXX opened XXXX XXXX account numberXXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXThese 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 XXXX 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 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I disputed this account and asked for proof from the original creditor of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

I. C. SYSTEM, INC with account # XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I leased a XXXX XXXX in XXXX Then I made my first payment in XXXX and configured auto pay. Then in XXXX, the auto pay did not process for some reason and I got a courtesy call in XXXX informing me that it was late. They allowed me to make the payment over the phone and configure the auto pay properly for me. In XXXX I got another call expressing my payment was late, I told them that I already spoke to someone and auto pay should have been configured. I checked my account and could see that auto pay was configured and no attempts to my bank account were made to collect the payment that month. They apologized and told me that they would fix the issue and process the payments. Then in XXXX I get another call for the same reason. This time they explain that the auto pay was just paying off my previous balance and letting the current month roll over. I expressed that I wanted the late payments waved ( since I made all my payments over the phone and it's not my fault they didn't take my money ). They agreed to wave the fees and I paid the full balance that was owed. Two months later I find out that they never actually waved the late payment and set up the auto pay to just pay the normal balance and they reported to my credit that I was behind on my payments. I called them this time and they agreed to wave the payment again, however, needed to get manager approval to wave the entire balance and fix my credit report. My account shows that they waved all but {$2.00} of my late fees and now this is rolling over again and I can see on XXXX that they updated the report to say I still have late payments, but the late payment was {$0.00} and both XXXX and XXXX are still showing late payments. This is not professional as every person I have spoken to from this company only does half of what they told me they would do and now I am trying to apply for a mortgage and suffering the consequences of this when I have done my due diligence to make sure these payments were made on time. When speaking with these people you need to follow up with them to make sure they actually did what was agreed upon or they will just tell you that they did when they really didn't.
Consumer complaint received 2024-07-10
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. (IN)

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 XXXXXXXX Account Number : XXXX and 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

I am filing a complaint against Macys- Citibank N.A . due to unethical credit reporting practices. 
I received notification that Macy 's incorrectly placed a 30 day late on my credit report for XX/XX/XXXX. I contacted Macys via telephone on several occasions to have this corrected and it was not. While my balance was paid in full, Macys added additional interest charges in XX/XX/XXXX for {$2.00}, which was then submitted to the credit bureaus as a 30 day late for not paying an interest charge which did not appear on my statement at the time of payment in XX/XX/XXXX. 
I contacted Macys on XX/XX/XXXX to have my store credit card closed. I submitted final payment on this account to pay the balance in full. I received notification from Macys that the account was in fact closed in XX/XX/XXXX. I received a statement from Macys on XX/XX/XXXX, indicating that a {$2.00} interest charge was added to this closed account on XX/XX/XXXX. Why would a closed account still be receiving statements and a random interest charge of {$2.00}? I am filing this complaint hoping that you will investigate the unfair credit reporting practices for Macys - Citibank N.A. as I'm concerned that many consumers are falling prey to their predatory practices of unfair credit reporting and invalid interest charges. They charge accounts extra interest and then report it to the credit bureaus as unpaid or paid late. This is unfair to consumers.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Kindly examine the enclosed documents. I strongly encourage the bureau to commence an investigation into these accounts, as I have consistently met deadlines, yet they are erroneously documenting me as being late
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (IL)

XXXX XXXX XXXX used my information and applied for a personal loan ( {$730.00} with interest, loan- {$650.00} ) to Affirm Inc without my consent. Affirm Inc. approved the loan without my consent or any additional verification. Affirm Inc. reported my account to XXXX and my XXXX score has significantly affected due to this wrong doing. Further, Affirm Inc. had sold my account to collection agency, XXXX for the recovery. I am requesting here to take strict actions agains XXXX XXXX XXXX to use my information and applying for the loan without my consent and against Affirm Inc. who approved the loan to XXXX XXXX, without any additional verification. Because of this wrong doing, My XXXX  score has significantly affected and hence, affecting it in my personal and professional life in several ways. I have also filed Identity Theft report. I also filed a dispute with XXXX on Affirm Inc. wrong doing. To your knowledge, I have never used any kind of services or products either from Affirm Inc. or XXXX XXXX XXXX with the given loan. Further, I have never signed any documents to approve this loan amount to XXXX XXXX XXXX.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> I attempted a mobile check deposit into my SoFi checking account for the amount of {$23000.00}. The check is for a loan I received from XXXX. The next day my account was frozen and I am now unable to access my funds. I also received an email informing me the check could not be deposited. I immediately reached out to SoFi to get an understanding of why my account was locked and they told me it was being investigated and there was no time table on how long the investigation would take to complete. It is my only checking & savings account and without access to my funds my bills wont get paid in a timely manner.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I sent this request that the credit Bureaus reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2017-11-08
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. (CO)

I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and XXXX and Experian is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these  investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.