davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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. (AR)

I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically XXXX, XXXX, and EQUIFAX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (PA)

XX/XX/2024, I went to an all-points ATM, which are within the ATM system designated for alliant, I asked to withdraw {$200.00} of the {$200.00} in the account, But was declined. I then asked for {$100.00}, was approved, I then tried to remove the last {$100.00} from the account, and was again declined. When I called the bank they said there was a fraud case open, but when speaking with the fraud department, that was confirmed inaccurate. So it would seem that my bank is refusing to allow me access to my funds, and has no explanation for why.
Consumer complaint received 2023-04-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

On XX/XX/23 I contacted Title max to try and reach a settlement. I was directed to my local store when I asked for my contract and payment ledger. XXXX said she could only retrieve the last contract since it was a monthly loan. When I asked for the payment ledger XXXX said it had been a while and corporate had taken over my accounts and she would print what was available. My payment ledger is inaccurate and only indicates one or two full payments. Since I am restricted from accessing my accounts on line I have no recollection of what Ive paid Title max.
Consumer complaint received 2024-04-28
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (RI)

I CALLED ON THIS LAST XXXX. CALLED XXXX FRAUD DEPT. WAS TOLD THIS WAS A SCAM AND.IT.WOULD BE STRAIGHTENED.OUT. I NOW.GOT A COLLECTION LETTER FROM IC.SYSTEMS. THIS.IS NOT MY BILL
Consumer complaint received 2024-04-29
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. (TX)

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (KS)

Account Resolution Corporation makes a habit of ruining consumers credit. This organization place NINE derogatory collection remarks on my credit report for the SAME utility account. I have paid almost XXXX XXXX dollars for this utility bill and ARC refuses to update the collection account ( S ). This company has single handedly destroyed my credit. 

I am working with a credit attorney, but so far, nobody ( not event ARC ) can explain to me how it is legal to operate this way. How can one person have NINE derogatory remarks for the same company and the same account?
Consumer complaint received 2024-09-01
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc. (NE)

On XX/XX/XXXX, i sent an email to climb credit regarding the cancellation of a loan for {$10000.00}. On XX/XX/XXXX, they sent me back an email saying Once your loan has been originated, the school must submit the request to Climb to initiate any necessary actions regarding it. I am with an online web academy called XXXX, whom i have contacted numerous times from the XXXX until now receiving no answer for my efforts. I have been requesting XXXX to submit the request to climb to initiate the cancellation of the loan but that has not happened and the loan amount keeps increasing with every passing day. The current amount of the loan is {$10000.00} and rising.
Consumer complaint received 2024-04-29
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. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Refer to previous complaints. I've had this issue ongoing for over a month. I submitted a police report pictures arrest logs and the first couple of times I mean this claim with Bank of America they got all the information wrong and when I called to correct it I don't think they even did that and it's since been denied when I have all sporting documentation proving that my card was used without my consent. I'm sick of this has been going on for 2 months and they denied my claim first they said it was because the card was in my possession which it clearly wasn't and I said that first time I talk to them. They consistently got the claim wrong and continue to deny me when I was completely taken advantage of stolen from and have records and documentation proving it. This is total garbage. I ended up with a stolen car, purse and other belongings, a brief XX/XX/XXXX, XXXXXX/XX/XXXX, and a drained bank account. I provided the arrest record and any other documents supporting this and yet I was still denied!!!
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This marks my initial attempt to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my document resulting from this crime. These entries pertain to transactions that neither involve nor reflect any purchases, services, or monetary authorizations on my part. If indifference reigns, I request the removal of any significant information stemming from an alleged fraudulent or extortionate activity in my credit record. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2024-04-26
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
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. (PA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-14
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)

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 XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681 all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy of a closed account. Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Consumer complaint received 2018-08-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am writing to request a correction of the following information that appears on my XXXX, Experian, and XXXX XXXX report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX  to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, Experian, and XXXX and filed disputes via email as well as certified mail with no help.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2018-08-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, and TransUnion consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, XXXX, and TransUnion and filed disputes via email as well as certified mail with no help.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2023-09-22
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)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Inaccurate Credit Reporting by TransUnion Dear Sir/Madam , I am writing to bring to your attention an alarming issue I encountered with my TransUnion credit report, which I accessed through AnnualCreditReport.com. Upon reviewing my report, I noticed that my rental payments for the months of XXXX, XXXX, and XXXX have not been updated. This discrepancy is concerning as it impacts my creditworthiness and financial standing. 

As outlined in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is essential for consumer reporting agencies to maintain accurate and fair credit reporting. The lack of updated rental payment information undermines this principle and can adversely affect my financial opportunities. 

I kindly request that your offices investigate this matter to ensure compliance with credit reporting laws and that TransUnion rectifies this situation promptly. Accurate reporting is crucial for maintaining consumer trust in the banking system and for the overall efficiency of financial operations. 

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

Sincerely,
Consumer complaint received 2023-04-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.
Consumer complaint received 2024-04-26
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/year>, I lodged a fraud claim with Bank of America prepaid cardholder services. Over the preceding year, I diligently furnished them with multiple documents substantiating my fraud allegations, including a police report, an identity theft report, detailed incident statements, and personal identification verifying my identity. Despite this, Bank of America summarily dismissed all three of my claims, failing to fulfill their legal obligation under Regulation XXXX to conduct a thorough investigation. I have also, opened a fraud appeal with the CA XXXXXXXX XXXX. I currently do not have a hearing date but I will attach the documentation. In contravention of the Electronic Funds Transfer Act and Regulation XXXX, Bank of America neglected to provide me with documentation delineating their investigative efforts, instead repeatedly furnishing me solely with a transaction history of the card, which is immaterial as I neither authorized nor engaged in those transactions. This pattern of behavior suggests a failure on the part of Bank of America prepaid cardholder services to fulfill their legal mandate to investigate fraud claims diligently. As a victim of identity theft, I have been subject to further distress due to the inadequacies of Bank of America prepaid cardholder services over the past XXXX months. Despite multiple complaints lodged with the Consumer Financial Protection Bureau ( CFPB ), no remedial action has been taken. I implore the CFPB to hold Bank of America prepaid cardholder services accountable for their egregious mishandling of my case. The legitimacy of my claims, identified by the following reference numbers : XXXX, XXXX, XXXX, warrants due consideration and approval.