davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (FL)

I have submitted over XXXX letters over XXXX XXXX requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. XXXX XXXX XXXX XXXX XXXX has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (MD)

I will refer to the former complaint XXXX. After still fighting for 3 years to get this account closed for good, it has come to my attention that JPMorgan Chase Bank may have violated the Servicemembers Civil Relief Act ( SCRA ) given that I was XXXX from the XXXX until XXXX. According to their documents, " Your rights under the Servicemembers Civil Relief Act ( SCRA ), similar state laws, and/or Chase Policy will guide what happens with your account. During your active service and for 180 days after, Chase will not repossess the vehicle without your written consent unless it is at risk of loss or damage ''. The vehicle was never at risk of loss or damage and seeing as I never received their correspondence, I also never gave them my consent. I have also come to find that I can file a complaint for this to the US Justice Department. I just want to be let go from this account. This account was even actually closed previously but then they reopened it. I failed to make the payments, yes, the car was repossessed, causing HUGE life-shattering effects, and caused even more hardship and still impacts my ability to apply for loans and mortgages to this day because for some reason the reports say that I am too pay {$5000.00} a month.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AR)

When I got the vehicle the monthly payment amount wasn't discussed because if they would of said {$790.00} a month I wouldn't of got it and now I can't pay the whole monthly amount so I talked to one of their agents and we set it up for XXXX a month so I've been making the payment but they failed to tell me that since I haven't been paying the whole amount every month my credit score gas been getting hit and now that I'm so far behind if I do miss a payment they can take my truck without saying anything to me and I can't get it refinanced because they said I have to be caught up on my balance which is {$6600.00} knowing that I wouldn't be able to do that it's crazy. And my truck was only {$23000.00} at the dealership and after it was all said and done they are saying I owed {$54000.00} that's more than double of the truck and this truck isn't even worth that much brand new how can they do this to people and get away with it
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Equifax Inquiry XXXX XXXX XX/XX/XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

These creditors XXXX XXXX is charged off and closed and still reporting as an active debt and affecting my credit negatively after being resolved. I have outstanding delinquencies on this alleged debt. I am requesting this to be removed or for the debt collector to provide the original documentation and details about this debt. 







This account XXXX XXXX is reporting inaccurately with delinquencies for 90 days. The details state I was never late so the delinquencies negatively affecting my credit score are not true or accurate. I need this updated immediately or soon as possible.
Consumer complaint received 2024-09-12
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. (PA)

Consumer Name : XXXX 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 TransUnion, XXXX, and XXXX 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 a personal credit card account opened at XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # XXXX, DATE OPENED : XX/XX/XXXX, CREDIT LIMIT : {$33000.00} XXXX. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DATE OPEN : XX/XX/XXXX, BALANCE {$19000.00}, CREDIT LIMIT {$16000.00} That appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent appearing on my consumer XXXX credit report. I've attached a list of copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, the collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, this collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2023-04-08
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. (GA)

In accordance with the Fair Credit Report Act XXXX  XXXX From 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 an account without my written instructions.

This company tried to collect debt under my name and my SSN, I have sent several dispute letters to this company and no action has been taken to investigate this matter. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Failure to conduct a reinvestigation ; request for damages under the FCRA
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I noticed a recurring transaction for {$280.00} sent to XXXX. Given this purchase was unrecognized by me ( I had no recurring payments to XXXX  in the past ), I contacted Wells Fargo and stated that this website had my debit card information stored during the free trial and charged my account for it's annual fee without my authorization and stated that the service was unused. I had a similar claim ( # XXXX ) for a XXXX subscription that was refunded back to me on XX/XX/XXXX. I contacted Wells Fargo requesting why the XXXX  claim was denied and was not given an explanation aside that they concluded it was denied. 

On XX/XX/XXXX, I placed a claim for a merchandise purchase to XXXX XXXX XXXX for {$260.00} because the item was unreceived ( package was lost, and not delivered to my house ). I contacted XXXX XXXX XXXX as well in this matter, and did not receive any assistant in this matter ( package said it was delivered, but clearly to an unknown address ), which is why I filed a dispute with my bank but this was denied ( again no information was provided aside that it was denied ). 

I filed Claim # XXXX on XX/XX/XXXX for unauthorized recurring payments to XXXX XXXX that were already refunded back to me on XX/XX/XXXX. However the same Claim ( # XXXX ) filed that day for other subscriptions ( a few XXXX XXXX, XXXX XXXX, and XXXX  ) were not completely refunded. When I called to ask for the status on this earlier today XX/XX/XXXX, I spoke with a rude representative that did not intend to help me in this matter, and could not provide a solid explanation for why the claim is still unresolved. Per Wells Fargo Policy, claims are supposed to be dealt with within 10 business days, and if not resolved account holders are given temporary credit. However, I was only refunded for {$160.00} out of the total {$270.00}. 


For a company that mentions the term " Zero Liability '' in reference to unauthorized and fraud charges on their website, I feel I have been treated incredibly unfairly and pretty far from what I would expect from any customer service. Throughout the entire process, I felt like I was working with a third party outsourced call center with zero accountability to Wells Fargo customers. I never spoke to the same person twice and was unable to reach any individual to whom I had previously spoken to about my case. This is not the kind of service I expect from my bank, and not the kind of service any bank should be able to provide.
Consumer complaint received 2024-08-25
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)

This is NOT a duplicate report, and this is not filed by a XXXX party or XXXX, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX Funding Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and XXXX XXXX XXXX with Each Account XXXX. The XXXX XXXX with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these XXXX details, please delete these accounts from my credit report. Thank you in advance.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXXXXXX XXXX XXXX  and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several Fraudulent Inquiries that are being furnished to my credit report from transunion and XXXX, As well as some of my personal information is incorrect I will attached an FTC report to this complaint.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.