davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
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: ALLY FINANCIAL INC. (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2024-03-13
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. (NJ)

I am writing to you to address a concerning issue regarding my credit report. I recently contacted TransUnion to discuss several fraudulent inquiries appearing on my credit report. I called Transunion on Friday XX/XX/XXXX and I was told that these inquiries could not be removed. The rep and a supervisor I was transferred to were no help at all. They asked if I wanted a fraud alert, which I do not at the moment, and continued to rattle off some script about inquiries being a statement of fact. No one can make a statement of fact on my credit report if I am denouncing it as being true. 

The fraudulent inquiries in question are XXXX XXXX, XXXX, and XXXX XXXX XXXX all dated for XX/XX/XXXX. I have thoroughly reviewed my credit history, and I can confirm that these inquiries were not initiated by me, nor do I have any association with the companies listed. 

I take the security of my personal information very seriously. Discovering unauthorized inquiries on my credit report has also impacted my credit score negatively. It is imperative that these fraudulent inquiries are promptly removed to prevent any further damage to my credit profile. I am planning on applying for a mortgage in the next couple of weeks as I am XXXX XXXX XXXX and want to be in the best position possibly credit wise. 

I kindly request that TransUnion thoroughly investigate these fraudulent inquiries and take immediate action to remove them from my credit report.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies.

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts.

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Consumer complaint received 2024-03-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (OH)

This phone number has made repeated calls since XXXX XXXX XXXX XXXX XXXX 
This date is a Sunday, and also called on XXXX XX/XX/XXXX, XX/XX/XXXX. On these Sundays this number called at XXXX XXXX XXXX and XXXX. Between XX/XX/XXXX XXXX this number called seven times. All these calls were made without anybody leaving a message on answering machine nor caller ID. 
A message was first left on answering machine on XXXX XXXX XXXX XXXX XXXX XXXX XXXXhen again on XXXX XXXX XXXX XXXX XXXX These are the only messages left, and the first time identifying that they were calling from Ally Services. 
Between XXXX XXXX XXXX XXXX XXXX, they have called nine times at various hours and only identifying themselves twice. 
On XXXX XXXX  they called aXXXX XXXX XXXX, I answered and told them to stop calling especially on Sundays ; and I was going to file a complaint. I did inquire what the call was about and they said it was about an auto loan. 
I'm the cosigner on the auto.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX 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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2019-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (GA)

I AM A VICTIM OF MY IDENTITY THEFT. XXXX MEDICAL BILL THAT I DO NOT OWN HAS BEEN DELETED, BY XXXX  XX/XX/XXXXAND XXXX PUT THE SAME ACCOUNT BACK ON THE MY CREDIT REPORT, I ALSO FILE A POLICE REPORT THAT WAS ATTACH TO ALL NEGATIVE REPORTS
Consumer complaint received 2024-06-26
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)

Dear TransUnion Credit Reporting Agency, This complaint has been 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened aXXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account # XXXX, an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal charge card account opened at XXXX on XX/XX/XXXX XXXX the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, and a debt buyer account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Affidavit # 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. 
Please confirm in writing that the aforementioned fraudulent information has been blocked and provide me with an updated copy of my credit report. I thank you in advance for your rapid response to this matter. 
Note : Do not response back that the company needs time to process this matter. As it will be taken as causing harm as it will be. In which it will result in legal actions requesting compensation relief.
Consumer complaint received 2024-03-13
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-30
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. (IN)

Urgent Request for Reinvestigation and Deletion of Accounts My name is XXXX XXXX, and I am writing to you regarding my credit file. I have reached out multiple times to your reporting agency concerning several violations that have occurred in relation to my records. I want to express my concerns clearly and urgently, as this matter has persisted for an extended period of time. I am a victim of aggravated identity theft ; I dont know who these entities are or how they were able to obtain my personal information. Attached to this email, you will find documents that I have sent over the past few months, which outline the specifics of the violations I have experienced. I have made numerous attempts to resolve these issues amicably ; however, I have yet to see any resolution or adequate response from your agency. This is my final attempt to address this matter before I consider pursuing further action. I kindly request that you reinvestigate my credit file thoroughly and take the necessary steps to delete all accounts that have been inaccurately reported. It is crucial for me to have my credit file reflect accurate and fair information, and I hope that your agency will take this matter seriously. Thank you for your attention to this urgent matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-26
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. (SC)

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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 

156 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
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. (MO)

Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : XXXX. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX  XXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report.

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission ( FTC ), under reference number XXXX, against both Trans Union and XXXX  XXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

XXXX. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the XXXX. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the XXXX. 

XXXX. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

XXXX. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting.

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account to be removed.

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. 

XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (NC)

A collection agency named Tek Collect Inc just reported a {$2400.00} collection account on my credit report. Before this account appeared on my report, I did not receive my written 30-day notice to dispute. By reporting this debt without providing notice, Tek Collect violated the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OR)

I was told by 2 different representatives that I would be getting an email to select where my credit balance refund is going to go prior to Chase mailing a paper check. I noticed my account had already deducted the credit balance refund from my account and I never got an email to elect my electronic credit balance refund. I then spoke with a supervisor and they told me that Chase is moving providers on who sends those emails and arent even sending them out right now and only doing paper checks. I was lied to by 2 customer service agents and was given false hope that I would be allowed an electronic credit balance refund but then a paper check was mailed anyways.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I took out a loan and went back to pay it off and take a new one the next day. This is a process I have used before. When I made the payoff it was a lot higher than it usually is and the person at the store couldn't tell me why but said I was not the only person who was complaining about it being higher but the company had not released any info to the public or them about any changes. I then went in the next day to talk to the store manager and she told me she didnt have any access to my loan info only what my last pay off amount was but no details on the current or older loans to help compare. She then gave me the number to the customer service over the phone for the company I called them and they couldn't give it to me either they said the store is the only one who can provide this info. My last attempt to get the info was speaking to the area manager who told me he would get with the loan dept and find out why it was higher and get the info on the interest, When he called back all he said they were able to give me was the reason the prior pay off was less is because i took out a smaller loan which has nothing to do with what I was asking for. I mentioned it was a violation of the truth and lending act to not share the details of the loan with me when requested and if he cant get it the store cant get it the customer service number cant get it and the loan team doesn't have access how in the world can I get the info he simply apologized and said it was all he could give me. I still had to take out another loan as I wasn't financially prepared to pay it all off at once and not take a new one so I am currently making installment payments on the loan now and they cant give me info on this loan either.