davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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)

These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.
Consumer complaint received 2024-08-29
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX  XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX - XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX - XXXX XX/XX/XXXX - Inquiry In Dispute XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX - XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX  - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX  - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX  - XXXX  XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX  days late XXXX time ( XXXX ). 
In Dispute XXXX  XXXX - - XXXX XXXX XXXX XXXX  days late XXXX time ( XXXX ). 
In Dispute has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/XXXX XXXX XXXX XXXX XXXX has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXXXXXX XXXX to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXXXXXX XXXX  and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXXXXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical matter.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One Quicksilver card due to the 15 month 0 % APR offer they had. I was approved for the card and the app said I had no offers at that time due to needing to have the card for 10-15 days. This morning the offer was for 29.99 % apr and I called and they said there was nothing they can do. I offered to send screen shots and they declined and said there was nothing they can do. The only reason I applied was because of the introductory offer.
Consumer complaint received 2023-08-25
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. (GA)

I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.
Consumer complaint received 2024-08-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AL)

In XXXX til XXXX I had XXXX  wifi and cable. XXXX I got new service For free because my phone was in school. Then I receive a over XXXX XXXX bill from XXXX  for the wifi and cable box. I call to let them know that I send the boxes off and email where I had send them off at XXXX. My balance became back to {$0.00} XXXX. In XXXX I had a collection on my credit report for att. I called The creditor I. C system For the original bill. The bill had XXXX different amounts The XXXX XXXX and something which someone scratched it out and put XXXX. It's not saying how I owe XXXX. I do not owe XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Roadrunner Account Services, LLC (AZ)

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 XXXXXXXX  **RE : Deficiency Notice for Incomplete or Inaccurate Reporting** XXXX XXXX To Whom It May Concern, I am writing to formally notify you of a deficiency in the information provided on my credit report. The report contains incomplete or inaccurate information that has not been addressed adequately, despite my previous requests for correction. 

" An account is listed as charged-off when it has been settled. '' I have previously submitted documentation to support my dispute, including However, the issue remains unresolved. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, complete, and verifiable. I am requesting that you : XXXX. Conduct a thorough review of the disputed items. 
XXXX. Correct or remove any inaccurate or incomplete information. 
XXXX. Provide written confirmation of the corrections made to my report. 

Please address this deficiency promptly, as it is adversely affecting my credit profile. I expect a response and resolution within 30 days of your receipt of this notice, in accordance with the FCRA. 

Failure to correct the deficiencies may result in further action, including filing complaints with regulatory agencies or pursuing legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CA)

First of all we all know when a business uses the term Mr. it is just a big front. Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my XXXX of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all XXXX, I have enclosed XXXX documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my XXXX amendment privileges which are freedom of speech and expression of what one believes.
Consumer complaint received 2023-09-19
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. (FL)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete these accounts immediately.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These are company 's that are giving false information because I applied for anything or know anything thing about these companies
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I didn't see the exact option listed for my complaint. But I've notices several unauthorized inquires on my XXXX credit report that wasn't made by me and here is the list with the dates attached and I need them removed. 

pentagon fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-28
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. (GA)

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 3rd party. They in fact did not come from a 3rd 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 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 2023-10-26
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. (NC)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from 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 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Received annual Experian Credit report via USPS on XX/XX/year> after having requested my credit report online @ https : //www.experian.com My personal information in my Experian.com account is correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, the Experian Credit Report I received shows my name incorrectly written as : XXXX " XXXX ''. 
My address and all other information within the report appear to be accurate. 

I called the ( off-shore ) Experian customer service number to report the misspelling of my last name as it appears on the Experian Credit Report that I received via USPS, on XX/XX/year>. The Experian phone contact/representative to whom I spoke told me that it would be my responsibility to confirm my correct name and to verify my identity by sending to Experian, via USPS, copies of documents containing personally identifiable information. Experian has made a sloppy mistake and I want nothing more to do with them. Experian is in the business of collecting information that is sold by Experian, for profit. The information is arbitrarily represented as being accurate, whether it is accurate or inaccurate. How do I know this? Because when I reported that my name is misspelled on my Experian Credit Report, Experian 's response was that I take on the responsibility of correcting THEIR ERROR. Experian does not cultivate trust by requiring the consumer to correct Experian errors; especially knowing that incorrect information may already have been sold by Experian to some inquiring entity. These companies have too much power and make too many mistakes. Credit reporting companies are not required to vet the information they sell, when at the same time, they require that the consumer self-vet when an error is made on the part of the credit reporting agency. It seems that these credit reporting companies are not required to meet clearly defined standards, such as taking responsibility for correcting simple errors. The verification of the spelling of a surname easily can be corrected by accessing public records. 

My Experian information access has been frozen, and I would recommend that other consumers take heed of Experian and the cavalier manner in which Experian regards the individual consumer, whose personal financial information is the source of their profit. I will not take on the burden of correcting the errors made by those responsible, i.e., Experian.
Consumer complaint received 2023-09-16
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. (LA)

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 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 has 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 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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.