davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX  XXXX 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 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-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 2024-05-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX issued me an IRS form 1099C that was used to file my 2023 Tax return. Per the IRS rules and instructions ( attached ), the form is to be used to cancel a debt of over {$600.00} by a financial institution. 

However, XXXX is still trying to collect the debt from me and also reported the debt as owed to all Credit Bureaus. 

XXXX must be investigated by the CFPB since they were the only financial institution that issued me an IRS from 1099C even though I owe other credit cards issued by other banks that are late and are over {$600.00}.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Original ( vehicle XXXX loan was with HSBC in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with HSBC. HSBC was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to XXXX  XXXX. HSBC stated XXXX  XXXX adopted the loan account and would be responsible for the lien satisfaction statement. XXXX  XXXX title dept was contacted with all details, a fax request was sent per XXXX  XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. XXXX  XXXX XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold. New buyer needs this for title purposes. XXXX reflects the lien as still " XXXX ''. A lien satisfaction was never received by either HSBC or XXXX  XXXX.
Consumer complaint received 2024-05-17
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. (SC)

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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kovo (NJ)

Through the steady app, I opened the Kovo account and since then the account has been paid with a monthly fee of {$10.00}. Since account opening, Kovo has solicited more business from me by offering a personal line and credit, which in fact is not a personal line of credit. They offer a service to report a tradeline as a personal line of credit, though no money is disbursed or borrowed with identity theft monitoring. I do not like the transparency from either companies. I was not paid the incentive of {$20.00} from steady app to open the account as promised, after making necessary payments. Upon my dissatisfaction, I requested over five times that the kovol account be closed. I reached out to their customer support via virtual chat and email. I made sure that my payment method always had available funds. Ive never had a problem with payments before and now theyre saying that the payment method has been declined. I know for a fact the payment method has available funds on it. I requested that supervisor call me or reach out to resolve the issue. I never heard from the supervisor. To close the account without additional payment, would report as settled for less. However, I never borrowed money, so how is that? It is very misleading. The only way to report the account as paid in full, is to pay additional money, however theyre not authorizing my payment. My credit card company has confirmed there is no declined payments as well. I havent had a supervisor reach out to me nor any resolution.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-18
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: Experian Information Solutions 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 2024-05-11
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)

In account with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX. XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/2024 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 general, after any reinvestigation under paragraph ( XXXX ) 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have filed disputes to all XXXX credit bureaus since 2019 about my student loan, which is in good standing. They have my student loan listed as in good standing and in closed and default? How can that be? For 5 years I have been fighting these evil monsters to fix my credit report and yet nothing! As a single mom that is also a XXXX XXXX XXXX this is just another form of abuse towards me that is preventing me from buying a house for my daughter and I! I have filed disputes numerous times to get this fixed and they keep saying to call student loans which say it is in good standing. Please help me this Id evil!
Consumer complaint received 2024-05-11
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. (AZ)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-11
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. (GA)

I am reaching out to emphasize the urgent need for the removal of certain unauthorized inquiries from my credit report. Upon thorough examination, I have discovered XXXX inquiries that were conducted without my authorization, and I have no recollection of engaging with the respective creditors. 
The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/year> I want to bring to your attention that XXXX, a prominent credit bureau, promptly deleted these hard inquiries from my credit report. You may verify this action by contacting XXXX directly. Failure to rectify this issue promptly may result in legal action being taken against your bureau. 

It is imperative to address these unauthorized inquiries swiftly to ensure the acuracy and integrity of my credit report. Failure to do so may necessitate legal action to uphold my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust in your understanding of the significance of this matter and urge your imediate action to rectify it. By removing these unauthorized inquiries, your bureau will not only fulfill its obligation under the FCRA but also demonstrate its commitment to providing accurate and reliable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorzed inquiries from my credit report. Your cooperation in resolving this issue expediently is greatly appreciated.
Consumer complaint received 2024-01-13
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. (TX)

1st validation letter sent to Experian for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  ( it came back verified ) 2nd validation letter sent to Experian for XXXX XXXX XXXX on XXXX XXXX, XXXX  ( it came back verified )
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

This account XXXX XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX is Not showing up in my Transunion and Transunion and XXXX Aren't showing my XXXX card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, Transunion and XXXX Keep claiming its XX/XX/XXXX fault for not reporting and when I call XXXX they Claim that they Are reporting my XX/XX/XXXX and that is not true as my credit report reflects missing my XX/XX/XXXXin transunion and XXXX. When I called XXXX they told me that I requested my XX/XX/XXXX be removed and that is just not true why on earth would I want my oldest XXXX XXXX to be taken off my credit history!? XXXX claimed they don't report to transunion qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XX/XX/XXXX at XXXX point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages below XX/XX/XXXX % and pay my cc off to XX/XX/XXXX every months. still XXXX is refusing to cooperate with me in regards to their lack of XXXX my PERFECT credit history to Transunion And XXXX is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing XXXX credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.
Consumer complaint received 2024-05-11
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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. 
Please remove these account from my report. They are hurting my ability to obtain credit. I do not recognize these account and did not authorize them. They are reported by XXXX  party.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX...XX/XX/XXXXand credit collection service XXXX and XXXX at set XX/XX/XXXXaccount XXXX with these accounts I've been trying to get them off my credit report for the last couple of XX/XX/XXXX years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 : Home Loan XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (IL)

Robinhood bank restricted my account with my funds inside and they told me they will uplift the restrictions after 10days its over 10days now they never uplift the restrictions on my account and I need the money inside my Robinhood account for something important. They didnt allow me to transfer my money to my bank account.
Consumer complaint received 2024-05-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXXe of inquiry XX/XX/XXXX, IN XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXXXXXX XXXXF Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2024-05-11
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account : XXXX XXXX {$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following account. Block and remove it.